The Funded MethodUnderwriting in 60 Seconds · 2026
Underwriting in 60 Seconds · $47

Read a deal in 90 seconds.
Call the tier. Route the lane.

33 sanitized bank statements. The five-number scan against a 90-second timer. Worked tier calls and routing decisions on every drill. The skill that separates a 5% pull-through broker from a 40% pull-through broker, built through reps, not theory.

Buy now · $47 Try a drill first
01The skill

Five numbers. One tier call. The right two funder lanes.

A merchant sends four months of statements. You have 90 seconds to form a view: real revenue, daily balance, NSF count, existing advances, deposit consistency. Brokers who run that scan reliably fund deals in their first quarter. Brokers who cannot blast files to twelve funders, get flagged for shopping, and spend nine months wondering why nobody answers.

Every veteran built this skill through reps on real files. This product compresses the rep curve from 200 statements over six months into 33 statements over a weekend.

The framework is Chapter 2 of the free 2026 Broker Stack. The framework is there. The reps are here.

02What’s inside

33 drills. Four modules. From pattern recognition to full routing.

  1. Module 0

    The shape of a deal

    3 drills · no timer

    Three warmup statements: Clean, Risky, Stacked. The eye gets calibrated before the timer turns on.

  2. Module 1

    The five numbers

    10 drills · 90s

    One focus number per drill, each with its trap: the owner-transfer trap, the thin-balance trap, the disguised-NSF trap, the subsidiary-originator trap, the seasonal-looks-risky trap.

  3. Module 2

    The tier call

    12 drills · 90s

    Run the full scan and call Tier 1, Tier 2, specialty, or hard pass across clean files, priced-for-risk files, disguised stacks, and restricted industries.

  4. Module 3 + Final Exam

    The routing call

    8 drills · 90s + 60s final

    Now the lane enters: equipment on the trucking owner-op, factoring on the staffing agency, SBA on the manufacturer. Then three mixed exam files at 60 seconds, cold.

Every drill includes:

  • A four-month bank statement in a clean fintech-grade view
  • A 90-second timer (60 seconds for the final exam)
  • A submit-your-call interface: five numbers, tier call, routing call
  • An answer key with the numbers calculated, the calls reasoned, the mis-reads named, and the probable offer
03Drill preview

This is what one drill looks like.

statement · sanitized · preview

Lone Star Auto Glass LLC

Auto glass repair and replacement (mobile + shop) · TX · 22 mo TIB · FICO 640-679

Continental Business Bank · ****-****-6428

Jan 1, 2026 · Apr 30, 2026

January 2026
Deposits$45,798
Withdrawals$47,330
Avg daily bal$7,375
NSFs0
Deposit days20
February 2026
Deposits$44,002
Withdrawals$45,174
Avg daily bal$8,203
NSFs0
Deposit days20
March 2026
Deposits$46,696
Withdrawals$47,927
Avg daily bal$7,417
NSFs0
Deposit days20
April 2026
Deposits$43,104
Withdrawals$45,539
Avg daily bal$4,224
NSFs0
Deposit days20
January 2026 · first 8 transactionsscroll →
DateDescriptionAmountBalance
01/01VEHICLE INSURANCE - PROGRESSIVE COMM−$780$6,400
01/01DAILY ACH DEBIT - MERIDPAY*4271−$287$6,113
01/01DAILY ACH DEBIT - ZENCAP ID:8842−$194$5,919
01/01ACH DEPOSIT - PROGRESSIVE INS CLAIMS+$2,489$8,408
01/02INTERNET/PHONE - SPECTRUM BUSINESS−$218$8,190
01/02DAILY ACH DEBIT - MERIDPAY*4271−$287$7,903
01/02DAILY ACH DEBIT - ZENCAP ID:8842−$194$7,709
01/03CARD SETTLEMENT - SQUARE INC+$898$8,607

Statement continues across February, March, April · full 4-month drill in the course.

Statement loads. Timer starts. You extract five numbers, call the tier, pick the lane. Submit, and the answer key reveals what every signal meant. Run that loop 33 times and the scan becomes automatic.

04Fit check

Who this is for, and who it is not for.

This is for

  • Career switchers who need statement fluency before working a real deal
  • 1099 reps going independent who want to upgrade from submit-and-hope to real underwriting judgment
  • Brokers in their first six months who keep getting outbid on clean deals and do not know why

This is not for

  • Anyone looking for a magic-bullet course that promises six-figure months in 90 days
  • Brokers who have already funded 50+ deals. This skill is already calibrated
  • Anyone who wants AI to do the underwriting for them. AI runs this scan in 0.3 seconds; the broker still runs it to catch when the model is wrong. Skip the skill, get replaced by it
05The honest scope

What the $47 teaches. And what it deliberately does not.

What the $47 teaches

The five-number scan. Reading a statement against the framework. Calling the right tier. Routing to the right two lanes from the eight lender categories. Catching the most common mis-reads before the submission goes out.

What it does not teach

Pricing. Factor rate versus APR, buy rate versus sell rate, broker markup, and live rate-sheet reading need live rate sheets and 1:1 walkthroughs. That is taught in the Accelerator, alongside the Lender Matrix of 200+ funders. The operational layer between the two, the intake, submission, and follow-up templates, is the Submission Vault at $297.

This $47 is the first step in a system: the drill that builds the foundation skill.

06The deliverable

What you walk away with after 33 drills.

  • The scan is automatic. Four months of statements, five numbers, 90 seconds, no framework in front of you.
  • The tier call is calibrated. Tier 1, Tier 2, specialty, or hard pass becomes a reflex, not a guess.
  • The lane is obvious. Equipment with an invoice, factoring with commercial A/R, SBA on the slow-money fit, MCA on the rest.
  • The mis-reads are visible. Owner transfers, loan proceeds, disguised NSFs, subsidiary-named debits, each with the data point that gives it away.
  • The AE conversation changes. “Clean Tier 2, $42K a month, NSFs cluster around rent but recovered, first position, equipment backup” reads as a broker who knows the file.

That is the deliverable: a skill, built through reps.

07The price

Underwriting in 60 Seconds · $47

  • 33 sanitized bank statements with worked tier calls
  • Four gated modules: warmup, five-number drills, tier-call drills, routing drills plus the 60-second final
  • Lifetime access: rerun any drill whenever the rep needs refreshing
  • A clear next step when you finish: the Submission Vault ($297) and the Accelerator
Buy now · $47

Magic-link login on first access. No password to remember.

08Path Finder

Not sure the drill is your first step?

Four questions, sixty seconds. You get the one product to start with, not all three.

09FAQ

Common questions.

How long does the course take?

Roughly 90 minutes straight through. Most buyers take it across two or three sessions over a weekend. Lifetime access means you can rerun the drills whenever the skill needs sharpening.

Are the bank statements real?

No. Every merchant is fictional. The transactions are generated to be realistic, with believable descriptions, accurate MCC codes, and coherent cash-flow patterns, but no real businesses, funders, or account numbers appear.

Is this enough to start brokering deals?

Statement fluency is one of three foundational skills. The other two are funder relationships and a working submission process. The $47 builds the first. The Vault and the Accelerator build the other two.

What is the difference between this and the Broker Stack?

The Broker Stack is the free framework: the buy box, the eight lender categories, the five-number scan, the 90-day path. This product is the reps. Reading about the scan does not build the scan. Running it against 33 timed drills with worked answer keys does.

Can I share my login?

Two sessions per account, so your phone and your laptop are fine. Seed it across a group chat and the system kicks the older sessions until access disappears for everyone.