Outsourcing Underwriting

In the financial world, the word underwriter often flies under the radar. Yet, behind every approved loan, every issued insurance policy, and every merchant cash advance, there’s an underwriter making sure the numbers actually make sense.

That responsibility is no small thing — and in 2025, more companies are realizing they don’t need to do it alone.

At CapStonePlanet, we’ve worked with dozens of lenders and insurers across the USA and Canada who’ve hit the same wall: their in-house underwriters are overworked, timelines are tight, and growth is being throttled by simple capacity limits. That’s where underwriting outsourcing steps in — not as a cost-cutting move, but as a smarter, more scalable way to operate.

What an Underwriter Really Does (And Why It’s So Critical)

Underwriting isn’t just about checking boxes. A good underwriter digs into the details — the daily balances, the deposit trends, the red flags that software can miss. They’re the ones who say, “Hold on, this applicant looks strong on paper, but let’s look closer at last month’s activity.”

Whether you’re talking about an insurance underwriter reviewing liability risks or an MCA underwriter scrubbing statements, this work protects your business from avoidable losses. It’s not flashy. But it’s absolutely essential.

Why Outsource Your Underwriting?

Let’s be honest: the talent pool for qualified underwriters isn’t unlimited. Training takes time. Mistakes are expensive. And the hiring cycle in this economy? Even more unpredictable.

That’s exactly why so many lenders are turning to CapStonePlanet. We offer trained underwriters who already understand your vertical — whether you’re in alternative lending, insurance, or merchant cash advance.

You’re not starting from zero. You’re plugging into a team that knows what to look for and how to follow your exact criteria. The result? You clear files faster, catch more inconsistencies, and create a better overall client experience.

Underwriting, Done Smarter

Here’s a common example: a client of ours, a midsize MCA firm in the U.S., was losing deals due to slow turnaround times. Their internal team could only handle about 30 files per day. They onboarded three remote underwriters on our side. Within two weeks, their daily capacity doubled, and their approval rate improved — not because we said “yes” more, but because we flagged the right deals for closer review.

This isn’t theory. This is how smart outsourcing works.

Why CapStonePlanet?

We’re not a BPO firm trying to learn underwriting. We’re underwriting specialists who’ve built our process specifically for companies that need real financial insight — not fluff. We serve clients in the U.S. and Canada who can’t afford to slow down or slip up.

• Trained, audit-ready underwriters
• Custom SOPs to match your internal process
• Support for file scrubbing, decision logic, and reporting
• Data security that aligns with USA and Canada standards

Wrapping Up

The financial world moves fast — and you need underwriters who can keep up without cutting corners. Whether you’re growing your MCA book, scaling your insurance firm, or just tired of hiring headaches, outsourcing is no longer a fallback. It’s a strategy.

If you’re ready to take a smarter approach to underwriting, CapStonePlanet is built for you.

Let’s talk.