Underwriter
Capchase is on a mission to transform how hardware and software companies sell and get paid, revolutionizing the equipment financing space. Recently named a 2026 Monitor Best Company in Innovation, we're recognized for embedding flexible payment terms directly into the sales workflow, helping teams close faster without the friction of a separate financing system.
We're the modern platform for financing leading enterprise solutions: built for direct and channel sales motions, with $2B+ funded, approvals in seconds, and a seamless experience for both sellers and buyers. Backed by leading fintech investors including 01A, Thomvest, QED, SciFi, and Invesco, we've raised $700M+ in equity and debt to fuel our growth.
In just over five years, we've scaled from four co-founders to 80+ Capchasers across 10 markets, supporting thousands of companies globally and processing billions in payment volume.
Since our launch in 2020, we've achieved several milestones:
10K+ active vendors, channel partners and buyers
Built a team representing over 15 nationalities
Active in 10 markets
Top decile YoY growth
Built an awesomeculture.
In December 2024 we reached the top of the Installment Payment, BNPL category on G2, #1 in B2B.
Why work with us?
Help accelerate an industry!
At Capchase, we are transforming how software and tech-enabled hardware equipment gets financed, we move and innovate fast. We’re always looking for the brightest minds to join us. We’re a diverse team of 15+ nationalities with a shared passion for helping innovative companies thrive. Join the climb with us!
About the Role
Our Credit team is looking for a detail-oriented, decisive credit professional to join as an Underwriter. You'll review the credit profile of potential borrowers, apply our proprietary credit policy to approve credit, and help vendor and channel partners close more deals by delivering an industry-best response time on credit decisions. This is a foundational role for anyone who wants hands-on exposure to how commercial credit risk is assessed and managed at a fast-growing fintech.
What You'll Do
Performing risk assessments on potential commercial borrowers based on commercial credit bureau information, internal borrowing history, and other firmographic and risk factors
Evaluating compliance requirements (including OFAC and KYC screening)
Efficiently and accurately employing a proprietary credit policy to assign borrower ratings, credit limits, and specific loan features
Clearly articulating when and why additional details or financial documents are required
Evaluating borrower documents to ensure accuracy and completeness
Spreading customer financial information and analyzing standard financial ratios
Supporting colleagues and leaders in large, complex transactions
Recording loan application decisions and the specific basis for decision
Performing all duties with a focus on client relationships and superior customer service
What You'll Need
3-5 years experience in commercial financial services, credit risk preferred
3+ years underwriting commercial borrowers
2+ years in a transactional operations environment with high-volume processing
Bachelor's degree in finance, engineering, computer science, or related discipline
Strong analytical capabilities with excellent attention to detail
Experience with US commercial lending practices
Ability to maintain US working hours and holiday schedule
Nice to Haves
Prior experience underwriting vendor- or channel-financed transactions
Familiarity with equipment leasing/financing concepts (ELFA-adjacent) as applied to tech
Experience with Salesforce or a comparable loan origination/CRM system
Exposure to fintech, SaaS, or B2B lending environments
Experience at a high-growth startup
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.