Pulse Podcast #18: Speed vs. Structure: The Case for High-Velocity Underwriting in Middle Market and SME Deals

What's actually being evaluated when a lender can close a deal in days instead of weeks — and what's the trade-off in risk?In this episode of ABF Journal's Thought Leadership Podcast, Joe Camberato, founder and CEO of National Business Capital, breaks down how his firm has built its entire underwriting process around speed, without giving up discipline.We get into:• Why speed is the core value proposition — and when it isn't• What's actually being reviewed inside a days-long underwriting process• The risk theory behind fast lending, and how it differs from traditional ABL• Where human judgment still beats automation• The borrower profile this model is built for — and who gets declined• When speed is the wrong answer, and a slower deal is the safer one• What loss data and the current credit cycle reveal about high-velocity lending• The one structural blind spot Joe thinks the ABL industry still hasSubscribe to ABF Journal's Thought Leadership Podcast for more conversations with leaders across asset-based lending, private credit, and specialty finance.