ABLESAI PRO

Alternative Offer Scenarios

Conservative Safe
$0
0 months
$0/day
Factor Rate 1.00x
Total Payback $0
Est. Holdback 0%
Risk Level Low
Aggressive Risk
$0
0 months
$0/day
Factor Rate 1.00x
Total Payback $0
Est. Holdback 0%
Risk Level Higher

ABLESAI PRO Credit Engine

ABLESAI Score
62/100
C
Mid-Prime
Score Breakdown
Credit Score
15/30
Behavior (3 events)
21/30
Revenue
9/20
Stability
7/10
Buffer (16%)
10/10
Collectibility
15/15
A 80+
B 65+
C 50+
D 35+
E <35
Tier
C
ABLESAI Score
62/100
E D C B A
Funding
$17,500
Factor
1.32x
Term
9 mo
Risk Impact
10.0%
PD
1.85x
DSCR
Low
Risk
Probability of Default
10.0%
Est. PD
Low Med High Severe
Debt Service Coverage
0x
1.85x
3x
$50,000
Monthly Rev
$2,574
Monthly Debt
1.85x
DSCR

Input Parameters

450 850
$5,000 $500,000
$500 $100,000
mo
3 mo 120 mo
0 15
days
0 15
paid
/day
$0 $15,000

Offer Preview

ABLESAI Tier C - Approved
$17,500
Factor Rate 1.32x
Term 9 Months
Total Payback $23,100
Daily Payment $117
Holdback
4.91%
Est. APR
42.7%
Closing Breakdown
Gross Funding $17,500
Origination Fee (3%) -$525
Admin Fee -$995
Wire Fee -$50
Net Wire Amount $15,930
Required Documentation
Driver's License
Voided Check
3 Months Bank Statements
Proof of Ownership
Landlord Contact
Decision
✓ APPROVED

Score Analysis

PRO

Settings

Appearance
Light Theme
Switch to light mode for better visibility
Credit Model Tuning
Simple
Advanced
Choose a preset risk profile or adjust the overall model aggressiveness
Model Aggressiveness 50%
Overall risk tolerance (0% = Very Conservative, 100% = Very Aggressive)
Revenue Emphasis Medium
How much weight to place on monthly revenue
Credit Score Emphasis Medium
How much weight to place on personal credit
Underwriting Criteria
Minimum Requirements
Min Monthly Revenue $10,000
Minimum monthly revenue required for approval
Min Time in Business 6 months
Minimum months in business required
Min Credit Score 500
Minimum personal credit score required
Min ABLESCORE 450
Minimum ABLESCORE for auto-approval consideration
Maximum Limits
Max Funding Amount $500,000
Maximum single funding amount allowed
Max Negative Days 15 days
Maximum negative balance days allowed per month
Max NSF Count 5
Maximum NSF occurrences allowed in 90 days
Max Daily Payment % 15%
Max daily payment as % of avg daily balance
Factor Rate Boundaries
Min Factor Rate 1.15
Lowest factor rate offered (Tier A best)
Max Factor Rate 1.49
Highest factor rate offered (Tier E worst)
Term Boundaries
Min Term Length 3 months
Shortest term offered
Max Term Length 18 months
Longest term offered
Position Stacking Rules
Max Stacking Positions 3
Maximum existing MCA positions allowed
Max Total Balance % 200%
Max existing balance as % of monthly revenue