K
Live
ACH: ONLINEPLAID: ONLINEUCC: SYNC 2h
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USER: CC-01│SYS OK
PORTFOLIO$12.47M▲ 0.84%·DEPLOYED MTD$3.21M▲ 1.12%·COLLECT RATE94.3%▲ 0.20pp·DEFAULT RATE3.8%▼ 0.15pp·AVG FACTOR1.34▲ 0.01·APPROVAL RATE51.2%▲ 1.80pp·PROSPECT DB46,208▲ 412.00·UCC FEED47 STATES■ 0.00·ACH RETURN2.1%▼ 0.10pp·RENEWAL $$842K▲ 4.10%·ISO PIPE$6.4M▼ 0.60%·DIRECT CAC$487▼ 3.20%·LTV/CAC8.4x▲ 0.30·DSCR AVG1.42▲ 0.02·PLAID CONN1,204▲ 18.00·PORTFOLIO$12.47M▲ 0.84%·DEPLOYED MTD$3.21M▲ 1.12%·COLLECT RATE94.3%▲ 0.20pp·DEFAULT RATE3.8%▼ 0.15pp·AVG FACTOR1.34▲ 0.01·APPROVAL RATE51.2%▲ 1.80pp·PROSPECT DB46,208▲ 412.00·UCC FEED47 STATES■ 0.00·ACH RETURN2.1%▼ 0.10pp·RENEWAL $$842K▲ 4.10%·ISO PIPE$6.4M▼ 0.60%·DIRECT CAC$487▼ 3.20%·LTV/CAC8.4x▲ 0.30·DSCR AVG1.42▲ 0.02·PLAID CONN1,204▲ 18.00·
ATOM // SETTINGS

Settings

Scoring weights · underwriting rules · integrations · access

Lead Scoring Weights

Changes apply to all prospects in real time
Total: 102/100
Time in business
Years operating · more history = lower risk
+25
Estimated revenue
Sweet spot $200K–$2M gets max points
+22
Industry risk tier
Restaurants/retail standard; construction/cannabis elevated
+15
UCC signal
Existing MCA approaching payoff = highest intent
+20
Geographic risk
State-level regulatory friction
+10
Data completeness
Phone + email + enriched profile
+10

Simulation Preview

Tier 1 (80–100)8,432(18%)
Tier 2 (60–79)14,786(32%)
Tier 3 (40–59)12,941(28%)
Tier 4 (< 40)10,049(22%)
Current outreach coverage: Tier 1 + 2
Projected funded/mo: 38 · +22%
● ATOM-01 · v1.4.2-demoRegion: US-EAST-1Runtime: Fluid Compute (Node 24)
Session: 02:14:0347 queries / 312ms avgMemory: 412 MB / 1 GB