How the math works (plain text)
This is the same logic the interactive tool runs, stated in plain text.
The qualifier screens a file the way a placement desk triages an inbound: kill-switches first, then a weighted read of the basics. Three combinations stop the read outright:
| Kill-switch | Why it ends the read |
|---|---|
| Open bankruptcy | An open bankruptcy stops nearly every revenue-based program until it is discharged or dismissed. |
| Under $10K/month and under 6 months in business | That combination rarely clears any program’s floor yet. |
| Default on an active advance + 2 or more positions | Reads as unserviceable to most desks. |
If no kill-switch fires, the read is a weighted score: revenue band adds 0–4 points (higher deposits, stronger read) and time in business adds 0–3. Credit band adds up to 1.5 at half weight, because revenue-based products are deposit-driven — credit shifts product fit and pricing more than yes/no. Each existing advance position subtracts 1.2. Flags subtract further: frequent NSFs or negative days −1.5, a default on an active advance −2, a restricted industry −1.5. A score of 4 or more reads fundable, 1.5 to 4 reads tough but placeable, and below 1.5 is a long shot as-is. Product lanes follow the same inputs: $10K+/month deposits opens the revenue-based lane, 2+ years plus fair-or-better credit with at most one position opens term/LOC lanes, and $20K+/month with two or more positions points to consolidation-style options.
Worked example: $35K/month in deposits, 18 months in business, one clean existing position, owner credit in the 600s. That scores 2 (revenue band) + 1 (time band) + 0.5 (credit) − 1.2 (one position) = 2.3 — tough but placeable. Second position means pricing tightens, and clean payment history on position 1 is the file’s strongest card.
How the read works
The tool screens the same way a placement desk triages an inbound file: revenue floor first, then time in business, then position count and payment burden, then the kill-switches (open BK, active defaults, restricted industries). Credit shifts product fit and pricing more than it decides yes/no — revenue-based products are deposit-driven. For what each product lane looks like in practice, see where to place business loan deals; for packaging a file that screens tough, see the submission checklist and the second-position guide.
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