Cash-Flow Underwriting
Business and guarantor returns spread into one global cash flow in under an hour, every number cited.
Why it matters
Global cash flow means spreading three years of business returns plus every 20%+ owner’s 1040 by hand, then finding out the IRS transcripts don’t match.
How the solution handles it
Agents read every return, match figures to IRS transcripts, spread the business with documented add-backs, build each guarantor’s personal cash flow and combine all entities into global coverage against the new debt. The underwriter settles add-backs; a credit officer approves.
How a borrower file moves
Six specialist agents read the returns, match IRS transcripts, spread every entity and guarantor, and draft the memo; a credit officer approves.
What it reads, and what it hands back.
What goes in
- Business returns (1120-S, 1065, Schedule C)
- Owner 1040s and SBA Form 413
- IRS transcripts (Form 4506-C)
- Interim P&L, debt schedule
- Bank statements; GST returns (India)
What comes out
- Global cash flow and DSCR, every number cited
- Business and personal spreads
- Transcript match report
- Draft memo cash-flow section
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Rules: SBA SOP 50 10 8 · SBA Procedural Notice 5000-875701 (7(a) Small Loans, DSCR ≥ 1.1:1) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate
6 specialist agents. One person decides.
More in this division.
Every SBA applicant screened against SOP 50 10 8 on day one, each finding cited to the rule.
Package BuilderEvery 7(a) and 504 package complete and consistent before E-Tran, so it goes through on the first pass.
Document ChaserEvery missing page tracked and chased in plain words, so files stop waiting on the borrower.
Build this
for your team.
We’ll show Cash-Flow Underwriting running on your own documents.