Credit checks
Credit, background, and identity checks run as part of the application, so you verify the business and the borrower before you open the file.
Automated underwritingUnderwriting software for commercial lenders and factors
Underwriting software automates how you decide whether to fund a business: it collects applicant data, runs credit, KYB, UCC, and bank checks, builds the credit memo, and monitors the client after funding. This page covers commercial underwriting for factoring, lending, MCA, and trade credit, not insurance or mortgage underwriting.
WHAT IT AUTOMATES
What underwriting software automates
From the first application to monitoring after funding, each step runs in one platform.
KYB and third-party data
Business verification, credit checks, and fraud detection from FMCSA, LexisNexis, Plaid, and Cobalt data, in one view.
KYB and 3rd-party dataBank data
Connect directly to applicant bank accounts for tamper-proof statements, balance checks, and transaction history.
Bank data integrationsUCC search and filing
Search, file, and monitor UCCs without leaving ROX. Secure your position before you fund.
UCC search and filingCredit memos
Turn raw application data into a decision-ready credit memo in minutes, so your underwriters review instead of assemble.
Credit memo generationMonitoring after funding
Real-time alerts on UCC changes, credit events, bank deltas, and portfolio risk. The relationship does not go dark after funding.
Continuous monitoringApplicant intake
A secure, branded portal where applicants submit and lenders track every file from first touch to final decision.
Client portalPipeline and workflow
Track every application from submission to funding in one pipeline. See stalled deals, missing documents, and team activity in real time.
Workflow managementWHO IT IS FOR
Who underwriting software is for
ROX adapts to your specific workflow and risk tolerance.
Commercial lenders
Ingest and verify applicant data, build a standardized credit memo, and monitor the borrower after close, so underwriters spend their time on credit strategy, not data entry.
Underwriting software for lendersFactoring companies
Collect documents, verify the invoice and the debtor, file and monitor UCCs, and keep every decision in one audit-ready file.
Underwriting software for factorsMCA funders
Connect to bank data to score cash flow, flag stacking, and fund fast without buying bad debt.
MCA underwriting softwareBrokers
Collect documents with one link and hand lenders, factors, and MCA funders a clean, complete package.
Deal packaging for brokersB2B and trade credit
Get an instant green-light / red-light credit decision on new customers, so credit keeps pace with sales.
Trade credit decisioningHOW TO EVALUATE
How to evaluate underwriting software
Seven questions to put to any vendor, including us. The answers show whether a tool fits how you fund.
Run three free applicationsData coverage
Does it pull the credit, background, KYB, UCC, and bank data your credit policy requires, or does your team still open separate tools?
Fit with your credit policy
Can you run your own risk scorecard and rules, or are you adapting your policy to the software?
Monitoring after funding
Does it keep watching clients after approval, with alerts when UCCs, credit, or bank activity change, or only at the door?
Audit trail
Is every decision kept with its supporting data in one file you can show an auditor or a funding partner?
Integrations and API
Does it connect to your servicing platform, CRM, and bank data providers, and can your developers reach it through an API?
Workflow for your team
Can underwriters, sales, brokers, and applicants each work in the same system with the right access?
A real test
Can you run real applications through it before you commit?
FAQ
Underwriting software, answered
Underwriting software automates how a business decides whether to fund an applicant. It collects applicant data, runs credit, KYB, UCC, and bank checks, builds the credit memo, and monitors the client after funding. This page is about commercial underwriting for factoring, lending, MCA, and trade credit.
ROX automates data collection and verification from every provider, UCC search and filing, credit memo generation, pipeline tracking, and continuous monitoring after funding, so underwriters review instead of assemble.
This page is about commercial underwriting: factoring, commercial lending, MCA, and trade credit. ROX is built for factors, lenders, MCA funders, and brokers.
Commercial lenders, factoring companies, MCA funders, brokers, and B2B sellers who extend trade credit. Each has a different workflow, so ROX has a page for each one.
See ROX by industryROX does. It monitors your portfolio around the clock and sends real-time alerts on UCC changes, credit events, bank deltas, and portfolio risk.
See continuous monitoringYes. ROX gives you three free applications to start, with no credit card required and no long-term commitment.
Get started free
Underwrite faster. Keep watching after you fund.
Get started free with three free applications. No credit card required, no long-term commitment.