Underwriting In Plain English

[Verse 1]
You slide your tax returns
In that banker’s folder
Three thick years
Stacked shoulder to shoulder
They flip to Schedule C
Or line that shows your shop
“Net profit here”
But that’s just the start
Not the top
[Chorus]
It’s that 1.25
Keeps your deal alive (uh-huh)
Cash to cover every bill
With a little left to survive
We add it up
Take debts away
See if the numbers stay
If you’ve got one twenty-five or more
That’s when underwriters say
“You’re okay
You’re okay”
[Verse 2]
On a partnership return
They mark down K-1 pay
Net income on the bottom lines
Plus what you took away
Depreciation
Interest
Those get added back
Cash that stayed in the engine
Not gone off the track
[Chorus]
It’s that 1.25
Keeps your deal alive (hey)
Cash to cover every bill
With a little left to survive
We add it up
Take debts away
See if the numbers stay
If you’ve got one twenty-five or more
That’s when underwriters say
“You’re okay
You’re okay”
[Bridge]
Then they zoom out wide
Global cash flow ride
Your shop
Your side gigs
All stacked side by side
Personal return in the mix
W-2 and page one tricks
Schedule E
Rentals too
Can your whole world pay it through?
[Verse 3]
They total every business
Each line that shows your gain
Back out one-time hits
Add back the paper pain
Then all your monthly payments
Old loans
Cars
And cards
Run it through the spread sheet
See if life gets hard
[Chorus]
It’s that 1.25
Keeps your deal alive
Cash to cover every bill
With a little left to survive
We add it up
Take debts away
See if the numbers stay
If your global cash can pay it all
That’s when underwriters say
“You’re okay
You’re okay”

Bouncy acoustic-pop with male vocals; tight four-chord loop on acoustic guitar, light upright bass, and brushed drums. Verses stay conversational and rhythmic, almost like a half-rap, then chorus blooms with stacked harmonies and a bright shaker. Bridge drops to just guitar and vocal for clarity, then full band returns with a confident backbeat. Clean, upfront vocal so every teaching line lands., clever