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Guide 5 min read
Funding Readiness Guide
Understand the key metrics and timelines our underwriting team uses to evaluate your application.
Understanding Our Key Metrics
- DSCR (Debt Service Coverage Ratio) — a measure of cash flow available to pay debt. Target: 1.20x–1.30x. Below 1.20x may require alternative options.
- LTV (Loan-to-Value) — how much of the property or equipment value is being financed. CRE range: typically 65%–80%.
Funding Process Timelines
- Working Capital — 1 to 3 weeks
- Equipment Financing — 1 to 4 weeks
- Bridge / Private Capital — 2 to 6 weeks
- Commercial Real Estate — 45 to 90 days
- SBA Financing — 60 to 180 days
- Business Acquisition — 45 to 120 days
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