Mastering The
Capital Desk
"Real brokering is intelligent routing, not application roulette."
01 Underwriting Pillars
Credit (FICO) Tier 1: 680+
Required for unsecured line stacking and term loans. If credit is sub-600, pivot immediately to revenue-based or asset-backed paths.
Cash Flow $15k+/mo
Daily/Weekly bank deposits are the primary health metric. Excessive NSFs (5+ in 30 days) are a "Hard Kill" for most lenders.
Collateral Asset Path
Real Estate, Equipment, or Invoices. Use collateral to rescue files that fail on Credit or Cash Flow. APRs drop significantly here.
Character (TIB) 24mo+
Time in Business (TIB) dictates the pool of lenders. For startups under 6 months, focus strictly on the "Startup Funding Program."
02 Tactical Routing
Identify the Pain Point $\rightarrow$ Route to Solution
Client needs inventory for Q4/Holiday... ↓
Primary Route: Revenue Based Advance (MCA) or Working Capital Term Loan.
The Pivot: If they are an E-com seller, use the Seller Growth Plan (24-48 hour funding).
Client is acquiring a rental property... ↓
Primary Route: DSCR Rental Loan (30 Year Term).
Strategy: Underwrite the property's potential rent, not the borrower's personal income. Ideal for investors.
Client needs to bridge a payroll gap... ↓
Primary Route: AR Factoring or Short-Term Working Capital.
Speed: Use paths like Uplyft Capital for <24 hour deployment.
"The bank just told me no." ↓
Primary Route: Alternative Revenue Advance.
The Script: "Banks follow a hard-box audit. We fund based on cash-flow reality. Let's look at your last 6 months of deposits instead of your FICO."
03. Hard Disqualifiers
Save your reputation and our time. Do not submit files containing the following:
- ✕ Active Bankruptcy (must be discharged for 12+ months)
- ✕ Open Tax Liens over $50k (without a payment plan)
- ✕ Excessive NSFs (5+ in 30 days)
- ✕ Restricted Industries (Gambling, Cannabis, Firearms)
- ✕ Sole Props (No EIN / Personal accounts only)
- ✕ Less than $10k in Monthly Revenue
04 Onboarding Roadmap
Step 1: Application
Complete the Official Application to secure your seat and Partner ID.
Step 2: Training & Tools
Access the Product Matrix and run your first lead through the Qualifier.
Step 3: First Deal Deployment
Submit your first qualified 'A' or 'B' grade file to the Deal Desk for priority underwriting.
Ready to originate?
Don't guess. Use the official Lead Qualifier to see if your file is fundable before you call the client.