CREDEX

Why Credex

Software can decline you before anyone reads your file.We read it.

Credex reviews the full business. An underwriter checks the numbers, asks what changed, and makes the decision.

Start an application See what we fund

What gets reviewed

What software sees

  • A score below its cutoff
  • One month with lower deposits
  • A bank balance without an explanation

What an underwriter checks

  • Why a customer paid late
  • Whether completed work is waiting on payment
  • Whether sales are growing

Credit score

Many lenders start at 650. Credex starts at 550.

How we review a file

A person checks the full application.

01

Review the numbers.

We check deposits, balances, current obligations, time in business, and credit.

02

Find the question.

If sales or balances changed, the underwriter checks why.

03

Call the business.

You can explain a late customer payment, a completed job, or another unusual item.

04

Make the decision.

The underwriter uses the application and your answers to decide.

Repeat funding

A good payment record can improve the next offer.

Better terms

On-time payments give us more information about how your business handles funding.

Longer terms

A proven payment record may support more time to repay.

Larger amounts

Higher deposits and a strong payment record may support more funding.

Same-day decisions

One underwriter handles the review.

Most applicants get a decision the same day because the person reviewing the file can ask you a question directly.

Example · Underwriter conversation

I saw the deposit change in March. Was that timing from one customer, or a change in the business?
One customer paid two invoices together in April. The work stayed steady.
Reply to your underwriter

After a decline

Common reasons for a decline

  • Credit below a fixed cutoff
  • Sales that change by season
  • A recent drop in the bank balance
  • A business the lender does not understand

What Credex does

  • Starts reviewing at 550
  • Checks sales across several months
  • Asks why the balance changed
  • Reviews how the business earns and gets paid

Questions

Questions about our review.

A review by a person

Get a real answer today.

An underwriter reads your file and calls if one question could change the outcome.

Check your estimate Three questions. No contact details.

Check your estimate

See what your business could qualify for.

Answer three questions. No contact details are needed to see an estimated range.

A little context. A clearer starting point.

  1. 01Your typical monthly deposits
  2. 02Your time in business
  3. 03Your approximate credit score
Check how much you could
qualify for

See your estimate first. Call us for actual amounts and terms.