Glossary entry (derived from question below)
English term or phrase:
underwrite your business
Spanish translation:
asegurar el financiamiento de su negocio
Added to glossary by
patinba
Aug 26, 2022 07:54
1 yr ago
20 viewers *
English term
High-quality translator from Barcelona
Native in: Spanish 
Works in: English to Spanish, French to Spanish, English to Catalan, and 3 more.
underwrite your business
English to Spanish
Bus/Financial
Accounting
Thanks in advance for your reply. I am looking for a Spanish equivalent of this verb. The meaning is "Underwriting is the process by which the lender decides whether an applicant is creditworthy and should receive a loan. An effective underwriting and loan approval process is a key predecessor to favorable portfolio quality, and a main task of the function is to avoid as many undue risks as possible"
But the sentence would be "We will use your information to handle your application and underwrite your business".
But the sentence would be "We will use your information to handle your application and underwrite your business".
Proposed translations
(Spanish)
| 4 +1 | asegurar el financiamiento de su negocio |
patinba
|
| 4 +2 | suscripición de seguros // concesión de crédito // análisis de riesgo |
ezpz
|
Change log
Sep 4, 2022 20:04: patinba Created KOG entry
Proposed translations
+1
6 hrs
Selected
asegurar el financiamiento de su negocio
Sinónimo de apoyar con una acción concreta en este caso. Organizan crédito si necesariamente prestar el total.
Debenhams rejects higher Ashley offer, set for administration
By Reuters Staff
LONDON, April 9 (Reuters) - Debenhams said on Tuesday it had rejected a last-minute offer by shareholder Mike Ashley to underwrite an increased 200 million pound ($262 million) rights issue, meaning it is likely to fall into the hands of its lenders shortly.
Sports Direct boss Ashley increased his offer to underwrite the business to 200 million pounds from an earlier offer of 150 million pounds at around midnight on Monday. Debenhams said in a statement on Tuesday that offer was not sufficient for the lenders. ($1 = 0.7641 pounds) (Reporting by Kate Holton
Structured and Project Finance | Export Development Canadahttps://www.edc.ca › solutions › financing › structured-...
Step-by-step guidance. We act as a partner with international project sponsors to advise, arrange and underwrite financing.
Underwriting Financing For Energy Projects - Energypathhttps://energypath.org › uploads › sites › 2019/08PDF
WHAT DO LENDERS EXAMINE WHEN THEY UNDERWRITE FINANCING? ▫ Technology. ▫ Construction. ▫ Budget. ▫ Operational or. Performance. ▫ Regulatory or.
GCC-Based Disrupts Personal Banking Sectorhttps://www.codebtech.com › Case Studies
... and intelligent proprietary lending algorithms – that connects with the credit bureau, allowing us to underwrite financing using preconfigured rules.
--------------------------------------------------
Note added at 8 hrs (2022-08-26 16:14:55 GMT)
--------------------------------------------------
Aclaro que uso asegurar en el sentido de "ensure" y no "insure"
--------------------------------------------------
Note added at 9 hrs (2022-08-26 17:04:33 GMT)
--------------------------------------------------
Underwriting simply means that your lender verifies your income, assets, debt and property details in order to issue final approval for your loan. An underwriter is a financial expert who takes a look at your finances and assesses how much risk a lender will take on if they decide to give you a loan.
Underwriting: What It Is And Why You Need It | Rocket Mortgage
Debenhams rejects higher Ashley offer, set for administration
By Reuters Staff
LONDON, April 9 (Reuters) - Debenhams said on Tuesday it had rejected a last-minute offer by shareholder Mike Ashley to underwrite an increased 200 million pound ($262 million) rights issue, meaning it is likely to fall into the hands of its lenders shortly.
Sports Direct boss Ashley increased his offer to underwrite the business to 200 million pounds from an earlier offer of 150 million pounds at around midnight on Monday. Debenhams said in a statement on Tuesday that offer was not sufficient for the lenders. ($1 = 0.7641 pounds) (Reporting by Kate Holton
Structured and Project Finance | Export Development Canadahttps://www.edc.ca › solutions › financing › structured-...
Step-by-step guidance. We act as a partner with international project sponsors to advise, arrange and underwrite financing.
Underwriting Financing For Energy Projects - Energypathhttps://energypath.org › uploads › sites › 2019/08PDF
WHAT DO LENDERS EXAMINE WHEN THEY UNDERWRITE FINANCING? ▫ Technology. ▫ Construction. ▫ Budget. ▫ Operational or. Performance. ▫ Regulatory or.
GCC-Based Disrupts Personal Banking Sectorhttps://www.codebtech.com › Case Studies
... and intelligent proprietary lending algorithms – that connects with the credit bureau, allowing us to underwrite financing using preconfigured rules.
--------------------------------------------------
Note added at 8 hrs (2022-08-26 16:14:55 GMT)
--------------------------------------------------
Aclaro que uso asegurar en el sentido de "ensure" y no "insure"
--------------------------------------------------
Note added at 9 hrs (2022-08-26 17:04:33 GMT)
--------------------------------------------------
Underwriting simply means that your lender verifies your income, assets, debt and property details in order to issue final approval for your loan. An underwriter is a financial expert who takes a look at your finances and assesses how much risk a lender will take on if they decide to give you a loan.
Underwriting: What It Is And Why You Need It | Rocket Mortgage
Peer comment(s):
| agree |
ezpz
: Estás traduciendo "business loan approval support", que posiblemente sea el negocio de la peña esta; aunque no tiene nada que ver con underwriting. // El link de energypath no abre el pdf. Te estoy diciendo que esa definición no es la misma que la de Javi
2 hrs
|
|
Fijate bien en la cita mía que dice "WHAT DO LENDERS EXAMINE WHEN THEY UNDERWRITE FINANCING?" Los bancos prestan, no aseguran en ese sentido. Es otro uso de la palabra "underwriting"
|
2 KudoZ points awarded for this answer.
+2
2 hrs
suscripición de seguros // concesión de crédito // análisis de riesgo
underwriting = suscripición de seguros
loan approval = concesión de crédito
risk assessment = análisis de riesgo
La definición no es correcta, y está confundiendo underwriting, que trata de seguros, y lo relaciona con préstamos, que es approval / due diligence, que en si puede definirse como el requerimiento de collateral o de realizar un estudio de risk assessment.
En todo caso, hemos tenido esta palabra muchas veces en kudoz:
https://www.proz.com/?sp=gloss/term&id=16916945
https://www.proz.com/kudoz/english-to-spanish/insurance/4646...
https://www.proz.com/kudoz/english-to-spanish/insurance/3128...
https://www.proz.com/kudoz/english-to-spanish/bus-financial/...
Si eres valiente, cambiarías el source por "risk assessment" o "due diligence", traduciéndolo como "análisis de riesgo" o "auditoría / comprobaciones debidas".
Sino, deberías preguntarle si le vale una traducción igual de ambigua como "aseguramiento" o "cercioramiento" - que realmente no tienen ni pies ni cabeza en la industria financiera ni los círculos académicos de económicas.
https://es.wikipedia.org/wiki/Underwriting
loan approval = concesión de crédito
risk assessment = análisis de riesgo
La definición no es correcta, y está confundiendo underwriting, que trata de seguros, y lo relaciona con préstamos, que es approval / due diligence, que en si puede definirse como el requerimiento de collateral o de realizar un estudio de risk assessment.
En todo caso, hemos tenido esta palabra muchas veces en kudoz:
https://www.proz.com/?sp=gloss/term&id=16916945
https://www.proz.com/kudoz/english-to-spanish/insurance/4646...
https://www.proz.com/kudoz/english-to-spanish/insurance/3128...
https://www.proz.com/kudoz/english-to-spanish/bus-financial/...
Si eres valiente, cambiarías el source por "risk assessment" o "due diligence", traduciéndolo como "análisis de riesgo" o "auditoría / comprobaciones debidas".
Sino, deberías preguntarle si le vale una traducción igual de ambigua como "aseguramiento" o "cercioramiento" - que realmente no tienen ni pies ni cabeza en la industria financiera ni los círculos académicos de económicas.
https://es.wikipedia.org/wiki/Underwriting
Peer comment(s):
| agree |
Rodrigo Gomez Tregent
1 hr
|
| agree |
Luis M. Sosa
: Se refiere en este caso a 'underwriting' en banca comercial, entonces aplica 'concesión de crédito'. Ver también mi discussion post.
4 hrs
|
Discussion
Usage: open-source translation questions for meaningless internet points.
Es muy americano esto de violar las palabras para hacer uso marketing y vender algo que no es por el mismo nombre.
Pero en caso de decir "underwriting", es algo *codificado* en ley - hay *case law* que determina específicamente las funciones de este tipo de transacción.
El contexto de Javier, la empresa está vendiendo un risk assessment.
En ninguna frase admite que se va a poner a pagar las deudas pendientes si el negocio fracasa. (Guarantor / Collateral)
No dice que le va a garantizar al banco que le comprará el contrato de préstamos que firme con tu negocio. (Underwriting).
"An effective underwriting and loan approval process is a key predecessor to favorable portfolio quality, and a main task of the function is to avoid as many undue risks as possible"
- Esto es due diligence. Not underwriting. Sé que ha usado la palabra underwriting cuarenta veces, but that doesn't make it underwriting.
----
https://www.merriam-webster.com/dictionary/underwriting
https://dictionary.cambridge.org/dictionary/english-spanish/...
----
En ninguna de las definiciones verás alguna que ofrezca una explicacición alternativa como risk assessment.
Pero insisto - no es underwriting.
Underwriting es la compraventa de riesgo - como, por ejemplo, de préstamos.
Como declaras con el quote de Energylink - what do they consider when *underwriting **financing:
* = buying
** = financial contracts (risk)
Underwriting es como el mercado secundario una vez has firmado la hipoteca.
Si eres bueno y pagas a tiempo, tienes perfil de bajo riesgo, y tu contrato se vende caro.
Si eres como yo, perfil "sub-prime", ese riesgo de default es más alto, por lo que el contrato lo venderán por menos pasta.
- Hago hincapié en que TODOS los contratos se revenden casi al instante.
Al banco que te firma el préstamo la interesa un pepino quedarse esperando a que pagues el total - ni por tiempo (time value of money) ni por riesgo (diversification).
Como seguro sabrás del factoring de las empresas, especialmente las exportadoras - los bancos "adelantan" su cobro, mediante ese mercado de reventa.
Esto es underwriting.
Darte un sello y decir "yep this guy gonna pay you back for sure, I checked" - is not underwiting.
Ara Javier tiene que decidir si lo traduce mal a las bravas o se atreve a desafiar al cliente xD
Ver: https://www.investopedia.com/terms/u/underwriting.asp