Feature
Lender matching that shows its work
Put each lender's box in once, by program. Every deal then gets a ranked shortlist of the lenders it fits, and a matrix that says exactly why each one passed, warned or failed.
- Lender matching: Core and up
Plans from
$69/ user / month
Billed monthly, or less billed annually. No seat minimum.
- Setup fee
- $0 (introductory offer)
- Data migration
- Free (introductory offer)
Introductory offer, for a limited time.
- We import your data from your current CRM or spreadsheets.
- Month to month. Export your data any time.
Programs and rules per lender
A lender can have several programs (A paper, renewals, sole prop), each with its own amount range and rules marked hard, soft or informational.
27 metrics to match on
Revenue, deposits, ADB, NSFs, negative days, trend, positions, holdback, time in business, credit, state, industry, entity type and more.
Four clear outcomes
Eligible, Eligible with warnings, Needs data or Ineligible, plus a score to rank lenders within each group.
A matrix with reasons
Lenders down the side, criteria across the top, green, amber and red cells with the deciding rule in a tooltip.
Near misses flagged
When a deal misses a hard rule by a little, a chip says so, so you know when to ask the lender for an exception.
Always current
Matches re-run when the deal, its statements or its positions change. No stale shortlists.
Storing a lender's box
Every lender in the directory has a type (MCA, loan, line of credit, SBA, equipment or factoring), a status, a submission email, contacts, commission defaults and a renewal threshold. Under it sit programs, each with a paper grade, a product, a minimum and maximum amount and the factor, term and commission ranges the lender offers.
Rules attach to programs. Each rule is a metric, an operator and a value: monthly true revenue at least $15,000, time in business at least 12 months, existing positions at most 2, state not in a list, industry not restricted. The quick criteria form covers the common limits in one screen; the rule builder handles everything else. You can also upload lenders from a CSV.
| Group | Metrics |
|---|---|
| Cash flow | Monthly true revenue, monthly gross deposits, average daily balance, deposits per month, NSFs in a month (max), NSFs (total), negative days in a month (max), negative days (total), revenue trend %, bank statements on file |
| Existing debt | Existing positions, existing MCA payments per month, current holdback %, open position with this lender |
| The request | Requested amount, requested ÷ monthly revenue, deal type |
| The business | Time in business (months), state, industry, NAICS code prefix, entity type, sole proprietor, home-based business, DataMerch hit |
| The owners | Owner FICO (highest), owner ownership % (highest) |
Hard, soft and informational rules
Funder guidelines are rarely absolute. A hard rule disqualifies the program when it fails. A soft rule only warns and lowers the score, which suits limits the lender bends for the right file. An informational rule is shown but never decides anything.
When the deal is missing the data a hard rule needs (no credit score yet, no statements entered), the result is Needs data instead of a guess. The matrix tells you which field to fill in.
How results are ranked
- Eligible: every hard and soft rule passes.
- Eligible with warnings: every hard rule passes, some soft rules fail.
- Needs data: no hard rule fails, but at least one cannot be checked yet.
- Ineligible: at least one hard rule fails.
Within each group, programs are ordered by score. The tooltip on every cell reads like "Requires $20,000+ revenue; this merchant has $17,450", so a processor can explain a decision without opening the lender's guidelines. Read more in how lender matching works.
From shortlist to submission
Pick lenders straight from the matrix and build the submission. If you know something the rules do not, you can still submit to an ineligible lender. That choice is recorded in the audit log with who made it.
Decline reasons that come back on submissions are kept per lender, so when a lender keeps declining deals your rules say are eligible, you can see it and update the rules.
Questions
What data does matching use?
A profile built from the merchant, its owners, the statement figures entered on the deal, existing positions and the request itself. Change any of those and the matches re-run.
Can a lender have different criteria for different products?
Yes. Each lender can have several programs, each with its own product type, amount range and rules.
Can I submit to a lender the deal does not match?
Yes. Submit anyway is allowed and written to the audit log, so managers can review it.
Does it check DataMerch or pull credit?
No. DataMerch hit and owner FICO are fields you record on the deal; matching uses them, but there is no DataMerch integration or credit pull.
Which plan includes matching?
Lender matching is included in every plan. See the pricing page.
Related
- FeatureSubmissions to lendersBuild a submission package once, send it to the lenders you pick from your own email, and track every status, stip request, decline reason and offer per lender.Read
- FeatureBank statement analysisEnter each month's deposits, ADB, NSFs and negative days per bank account and get averages, revenue trend, holdback and an affordability check on the deal.Read
- SolutionMCA brokers and ISOsA merchant cash advance CRM for ISOs and brokers: lead import, bank statement figures, lender matching, submissions, offers, commissions and renewals in one place.Read
- SolutionBusiness loan brokersA CRM for business loan brokers: leads, applications, statements, lender criteria and matching, submissions, offers, commissions and follow-up for term loans and more.Read
- SolutionLine of credit brokersA CRM for brokers placing business lines of credit: lender criteria, statements, matching, submissions, offers, commissions and renewal follow-up.Read
- Free toolStacking and positions calculatorAdd up a merchant's existing MCA positions and a proposed advance to see combined holdback, the risk band, and the largest new payment and advance that still fit.Read
- GuideHow lender matching worksHow a lender matching engine decides which lenders a deal qualifies for: hard and soft rules, missing data, eligibility tiers, scores, near misses and a worked example.Read
- GlossaryPaper gradePaper grade is shorthand for deal quality, A through D. A paper has strong revenue, credit and statements and gets the lowest factors; D paper is the riskiest.Read
- GlossaryPositionsA position is one open cash advance on a merchant's account, numbered in the order taken: first position, second position and so on.Read
See it on your own deals.
Tell us about your shop. We set up your workspace and import your data from your current CRM.