Every lender scored across three signal layers.
Relationship intelligence, attribute matching, and global market signals — weighted by your funded history, recomputed on every deal.
Lender Signal Comparison
Top matches plotted across four scoring axes
How every score is composed.
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 next score sharper.
Every funded deal, declined offer, and stale buybox feeds back into the model.
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 quarterly. YieldStream de-prioritizes old data to keep every recommendation current.