Building the deal profile the matcher reads

Lender matching in Ferrylend never guesses. Before it checks a single rule, the CRM builds a deal profile: a snapshot of every fact a lender rule can ask about. A fact that is missing is unknown, not zero, and a hard rule on an unknown fact puts that lender in Needs data. So the quality of your matches is exactly the quality of the profile. Ten minutes spent here saves a day of submitting to lenders that were never going to fund the file.

The profile is saved with every match run, so you can always see what the deal looked like when a lender was ranked.

• True revenueTrue revenue is a merchant's real monthly sales on the bank statements: total deposits minus transfers, loan and MCA proceeds, refunds, reversals and owner money.
• Average daily balance (ADB)Average daily balance (ADB) is the mean of a bank account's end-of-day balances over a month. Funders use it to judge whether a merchant can carry daily payments.
• Negative daysNegative days are the days in a month when a merchant's bank account ends below zero. Funders cap them because each one risks a returned debit.
• PositionsA position is one open cash advance on a merchant's account, numbered in the order taken: first position, second position and so on.
• Time in business (TIB)Time in business (TIB) is how long a business has operated, usually counted in months from formation or start date. Funders set minimums by product.

• The deal's analysis wins. The CRM uses the current statement analysis on this deal; if there is none it falls back to the merchant's latest current analysis. Only when neither exists does it use Stated monthly revenue, and the matches card then says revenue is merchant-stated until a statement analysis is added.
• Owners and guarantors only. FICO and ownership come from contacts whose role is owner or guarantor, and the matcher takes the highest score on file.
• Payoffs do not count. A position switched to Pay off with the new advance is left out of the position count and the existing monthly payments, because the new funding retires it. Mark consolidations this way or every lender with a position limit will look stricter than it is.
• Positions entered beat the analysis. If you have entered active positions, they decide the count and payments. If you have not, the statement analysis figures are used. If the merchant truly has no advances, enter 0 positions in the analysis so the count is known.

Revenue-type rules can set a lookback (for example, the last 3 months), so the matcher averages or takes the worst month over that window from the analysis months. More months in the analysis means rules can be read the way the lender wrote them.

• Leaving Date established blank. Every time-in-business rule then reads No data, and most lenders have one.
• Entering the owner's score on a contact with a role other than owner or guarantor. The matcher does not read it.
• Counting a position you are consolidating. Switch on Pay off with the new advance instead of deleting it, so the history stays.
• Relying on stated revenue for a real submission. Lenders underwrite to the statements; so should the matches.
• Expecting a home-based rule to pass. The merchant form has no home-based field yet, so a lender marked Home-based OK off reads No data on that rule.