Financing Intelligence

Financing Intelligence is in MVP. Enter the terms of a financing offer (MCA, term loan, line of credit, or SBA) and the platform scores it against per-product reference rates set by the platform operator. As more distributors submit real offers, those reference rates will be replaced by benchmarks derived from peer contributions. Each offer receives a Borrower Value Score (0–100) for relative comparison across the offers you submit — it is not an absolute market position.

Submit a Financing Offer

Example data

All rates are normalized to a common annual cost basis for fair comparison across offer types.

Borrower Value Score
72.4
Out of 100 · Above average for MCA offers
Confidence Rating
4σ
Score Distribution
0 — Poor 100 — Excellent
Effective Annual Rate
28.4%
Normalized from offer rate / factor
Market Average
32.1%
Based on offer-type historical data
Cost Savings vs. Market
−3.7%
Negative = below market (favorable)
Total Cost of Capital
$95,000
Payback − Principal
How This Score Works

Your rate is normalized to an effective annual cost (the APR-equivalent for MCAs, the stated APR for term loans and lines of credit) and compared against per-product reference rates currently set by the platform operator. The Borrower Value Score (0–100) measures how favorable your terms are relative to those references — higher is better. As real distributor offers accumulate, peer-derived benchmarks will replace the operator-set references. Use the score for relative comparison across offers you submit; it is not an absolute market position.

Illustrative scoring — submit your own offer for real results

Offer History

Sample data
Date Lender Type Amount Rate / Factor Term Payback Eff. Annual Rate Rating BVS
2026-01-15 Apex Capital Partners MCA $250,000 1.38 18 mo $345,000 28.4% 4σ 72.4
2026-01-10 Summit Lending Group Term $500,000 9.25% 36 mo $582,400 9.25% 5σ 84.1
2026-01-05 Meridian Business Finance LOC $150,000 12.0% 12 mo $168,000 12.0% 3σ 58.3
2025-12-20 National SBA Direct SBA $750,000 6.5% 120 mo $1,012,500 6.5% 6σ 91.7
2025-12-12 QuickFund Capital MCA $100,000 1.49 12 mo $149,000 49.0% 1σ 22.8
Showing 5 sample offers

Market Rate Benchmarks

Illustrative data

Reference rates used to score your offers. Values shown are operator-set MVP constants; live SOFR / Prime / MCA market-data feeds are on the roadmap. MCA factor rates are converted to effective annual rates for comparison.

SOFR (Reference)
5.33%
Secured Overnight Financing Rate
Prime Rate
8.50%
WSJ Prime Rate
MCA Avg. Eff. Rate
32.1%
Historical MCA average
Loading benchmarks…

How Financing Scoring Works

1
Submit Your Offer
Enter the lender, type, amount, rate or factor, term, and total payback for any financing offer you've received.
2
Rate Normalization
MCA factor rates, term APRs, and LOC rates are converted to a common annual cost basis so you can compare apples to apples.
3
Benchmark Comparison
Your normalized rate is scored against per-product reference rates (currently operator-set constants; live feeds on the roadmap). You receive a Borrower Value Score (0–100) for relative comparison.

Coming next

We're building a way to upload your financing documents directly. The deal terms will be extracted automatically and your data will never leave your browser — only the structured terms cross the network. We'll let you know when this ships.