Manual Underwriting

Manual underwriting isn’t glamorous. It’s not fast. It’s not automated. But it’s still one of the most powerful tools in lending.

Why? Because life doesn’t fit into a formula. People lose jobs. They freelance. They recover from bankruptcy. Try explaining that to a machine. That’s where manual underwriting earns its stripes—when there’s more to the story than what’s on paper.

At CapStonePlanet, we work with lenders who care about more than just algorithms. They care about people. And they trust us to do the heavy lifting—reviewing files by hand, analyzing patterns, spotting red flags, and looking for real potential.

This isn’t some button-clicking job. It’s thinking work. Human work. And it’s what we’re best at.

Our manual underwriting teams are made up of sharp, detail-obsessed professionals who’ve seen it all. We know the difference between a risky file and a misunderstood borrower. That kind of judgment? You can’t automate it. But you can outsource it.

If you’re still stuck with internal staff drowning in files—or worse, turning away decent borrowers because the system said “no”—then it’s time to shift gears.

Let CapStonePlanet handle your manual underwriting. We’ll move fast, stay accurate, and most importantly, protect your reputation while helping you close more deals.

No gimmicks. Just real underwriting, done right.