Every tool a broker needs.
Nothing they don't.
Six core capabilities that replace spreadsheets, gut feel, and manual underwriting with data-driven intelligence that compounds with every deal.
Every lender scored. Every match explained.
The three-layer scoring engine weighs global performance data, your relationship history, and merchant-to-buybox attribute matching — then ranks every lender by expected commission, not just approval probability.
- ✓Composite scores from 0–100 with confidence intervals
- ✓Relationship history weighted at 50% — your moat, quantified
- ✓Time-decay ensures stale data never pollutes matches
- ✓Sort by best match, best yield, or fastest funding speed
Compare every offer. Recommend the best one.
When offers come back, YieldStream scores each one across advance amount, factor rate, term, daily remittance, total payback, net funding, commission, and buy rate.
- ✓Side-by-side comparison across all economic terms
- ✓Automated offer scoring with transparent reasoning breakdown
- ✓Color-coded indicators highlight best-in-class metrics
- ✓One-click "Send to Merchant" with formatted comparison
Upload a PDF. Get an underwrite in minutes.
Drop a bank statement — the OCR pipeline extracts revenue, NSF patterns, stacking signals, daily balances, and 20+ risk indicators. Every signal feeds directly into lender matching.
- ✓OCR with 97%+ extraction accuracy
- ✓AI enrichment for risk signal detection
- ✓Automatic revenue trend and NSF pattern analysis
- ✓Merchant upload portal for direct document collection
See every deal. Know exactly where it stands.
Kanban board or table view — your choice. Every deal flows through Intake → Underwriting → Ready to Submit → Out to Lenders → Offers Received → Contract Sent → Funded.
- ✓Drag-and-drop Kanban with running dollar totals per stage
- ✓Underwriter's Notes visible at a glance in table view
- ✓Stale deal alerts flag merchants stuck in pipeline
- ✓Commission estimates update in real-time as offers arrive
Every action logged. Every decision traceable.
Notes, calls, lender responses, system events — everything that happens on a deal is timestamped and attributed. The audit log is append-only and tamper-proof.
- ✓Filterable by type: submissions, lender responses, notes, calls
- ✓System events track AI scoring, OCR, and enrichment
- ✓Append-only log that cannot be edited or deleted
- ✓Export-ready for GDPR/CCPA compliance requests
Your entire lender network. Always current.
Track every lender's minimum FICO, revenue requirements, max positions, and state restrictions in one place. Status indicators show when buybox data needs refreshing.
- ✓13+ lender fields including FICO, revenue, position limits
- ✓"Fresh" / "Needs Update" status badges per lender
- ✓State restriction tracking with badge indicators
- ✓One-click add new lenders as your network grows
And everything else you'd expect.
Renewal Forecasting
Daily alerts 60 days before 50% paydown — the optimal renewal window.
Deal Package Generation
PDF deal packages with mailto drafts for lender submission.
Merchant Upload Portal
Token-gated upload links for merchants to submit docs directly.
Analytics Dashboard
Portfolio, Industry, Lender Intel, and AI Predictions — four purpose-built views.
Team Management
Owner, Admin, Rep roles with granular permission controls.
Smart Notifications
Real-time alerts for offers, expirations, and status changes.
Daily Queue
Smart follow-up routing with LRU sorting. No merchant falls through the cracks.
Onboarding Wizard
Guided setup reduces time-to-value. Upload lenders, invite team, run first deal.