Three layers of intelligence.
One compounding advantage.
YieldStream doesn't just store data — it thinks. Every lender recommendation is computed from three distinct signal layers, weighted by your organization's unique history.
Your Moat, Quantified
Your pull-through rate with each lender is your competitive edge. Two brokers submitting the same merchant get different scores based on their individual track records. Your relationships are your moat — YieldStream protects them.
Hard Buybox Fit
Merchant FICO, revenue, time in business, industry, position count — every attribute checked against each lender's current buybox. Hard disqualifications are enforced before scoring to eliminate wasted submissions.
Cross-Network Intelligence
Anonymized outcome data from across the platform reveals which lenders are actively funding deals in specific industries, revenue ranges, and risk profiles right now. Your data stays private; the insights benefit everyone.
Every outcome makes the system smarter.
This is the data flywheel: more outcomes → better predictions → higher pull-through → more commissions → more outcomes.
Deal Funded
Relationship score strengthens. Renewal tracking begins. Commission recorded. Pull-through rate adjusts upward.
Deal Declined
Temporary score penalty applied (-10% to -20%, 30-day expiry). Decline reason categorized. Future matches steered away.
Lender Appetite Stale
Warning badge appears on lender. Broker prompted to update buybox. Match confidence drops until refreshed.
Prediction Ages
Time-decay reduces weight automatically. 30d = full weight, 90d = 40%, 180d = 20%, >180d = 5%.
Data from 6 months ago shouldn't dictate today's submissions.
Lender appetites shift. A funder who was aggressively buying restaurant deals in Q1 might have pulled back by Q3. YieldStream automatically de-prioritizes old data to keep every recommendation fresh and current.
AI predictions earn trust before asking for it.
New organizations start with rule-based matching (attribute + global signals). The full AI Predictions view unlocks only after:
This builds broker confidence gradually and ensures the system never overpromises on thin data.