The InstitutionalUnderwriting Engine formodern brokers.
- DSCR 9.14 — strong cash cycle coverageAbove 1.5x threshold
- 1 NSF event in statement periodModerate frequency, narrows pool
- ADB is 19% of monthly revenueAbove 15% threshold for most lenders
From statement to renewal.
Four capabilities. One continuous workflow.
Automated underwriting
Statement → Profile → RiskUpload 3–6 months of bank statements. YieldStream extracts the full underwriting picture — deposit patterns, balance trends, overdraft history, counter-party risk, and stacking signals — and flags exactly what a lender will question. You get a structured brief you can defend, not a PDF you hope someone reads.
Lender recommendations
Signal → Score → FitEvery lender on your panel scored for this specific file. Not 'is it a good lender' — is it the right lender, today, for this deal. Ranked by probability of funding and expected commission, with a written underwriter's note on every match.
One deal, every lender, one click
Package → Submit → TrackGenerate a lender-ready package in one click. Submit to your entire panel in parallel and track every response, approval, and counter from one screen — not across twelve inbox threads.
Application to renewal
The system remembers so you don't have to.Every deal tracked from application to funding to renewal — automatically. The system knows when a merchant hits 50% paydown and surfaces the renewal before your competitor does. Stage transitions, document collection, and offer comparison happen along the way.
Time decay & model drift
Signals age. Our scores know it.A Meridian approval from 14 months ago is not evidence today. YieldStream weights historical outcomes by recency, regime, and lender policy changes, so the model reflects the market you're actually selling into.
Outcome ingestion
Every funded deal teaches the systemDeclines, counters, funded amounts, and default signals flow back into the model. Your panel gets sharper with every submission — and the edge compounds.
How it works
Generate Secure Portal
Create a unique, encrypted upload link for your merchant. Documents stay secure and organized from the start.
REQUESTED DOCUMENTS
Bank statements
Last 3 months
ID / License
Government-issued photo ID
Other documents
Signed application, voided check, etc.
Drop your documents here
or tap to browse from your device
Every lender, scored the moment a deal lands.
YieldStream learns each lender's buy-box from your submission history — FICO thresholds, revenue floors, industry preferences, funding velocity — then ranks them against every new deal in real time.
Composite scoring across 4 signal layers
Market signal, your pull-through history, risk match, and funding velocity — weighted by what actually predicts closes in your book.
Plain-English reasons, not black-box math
Every rank comes with the why: "Clears FICO and tenure · Revenue 10% below minimum." No opaque percentiles.
Shared-blocker detection
When your top matches all fail for the same reason, we surface it once — with a one-click path to clean up the file instead of submitting to a dead deal.
Learns from your funded deals
Your pull-through rates retrain the model weekly. Lenders that fund your deals climb. Lenders that decline drop. Compounds over time.
Why the gap widens every week you use it.
Every submitted deal makes the next one sharper. This is the part competitors can't copy.
Deals in
Bank statements, applications, panel history.
Ranked out
Lender scoring, expected EV, fit reasoning.
Outcomes captured
Approvals, declines, funded amounts, defaults.
Model retrained
Weights updated with recency-adjusted truth.
Sharper matches
Next file routes to the right desk, faster.
Every underwrite analysis
comes with a reason.
YieldStream generates human-readable Underwriter Notes for every file—explaining the structural logic behind the score. This provides strategic sales positioning for your reps, allowing them to defend offers with data and close with certainty. No black boxes.
Growing catering operation — $95K/mo with only 8.1% stacking. 1 NSF was a timing issue (vendor payment). Well within tolerance for most lenders. 93% confidence · Revenue: Growing