Credit signal for business lenders

Signal
lenders can act on.

We turn raw data into the complete credit story. Every file read, analyzed, enriched and routed before your analyst opens it.

Book a demo See how it works

True revenue21.5% below stated

Hidden debt2 lenders not declared

LocationPrior shop closed 2015

Owner behaviorOnline gambling, rising

Holdback25.9% of true revenue

NSF daysOver your limit

Revenue padding$50,200 from affiliates

Learned ruleRestaurants, 3+ positions

Global DSCR1.38x with guarantors

Stress1.21x if revenue drops 10%

Lease paymentNot on debt schedule

ConcentrationFreight at 13.1% of book

Foot trafficBusier than most nearby

ReviewsLanguage turning aggressive

Connected entityNot on the application

UCC lienBSD Capital, not declared

The problem

Business lending runs on half the story.

Lenders underwrite the paperwork, not the business, because getting to the rest takes hours no one has.

01 · Digitize

We read every page so your analysts don't have to.

Learn more Learn more Learn more

INBOX

Harbor Funding9:02

New submission: Cow Bay Diner LLC

4 attachments

Bayline ISO8:44

Re: Pier 9 Seafood, September

Harbor Funding8:41

Renewal: North Shore Auto

FROM HARBOR FUNDING · 9:02 AMNew submission: Cow Bay Diner LLC

Statements_Jun-Aug.pdfApplication.pdfOwner_ID.jpgNotes.txt

PROVIDR · SUBMISSION 4471Cow Bay Diner LLC

Read 4 attachments9:03

Statements_Jun-Aug.pdfBank statements · 3 months

Application.pdfApplication

Owner_ID.jpgOwner ID

Notes.txtBroker notes

MissingSeptember statement

REPLY TO HARBOR FUNDINGRe: New submission: Cow Bay Diner LLC

Received Cow Bay Diner. Statements are read and the file is in review.

One thing missing: the September statement. Send it and we'll finish today.

SendSent 9:04 AM

Drop statementsEmail, portal or upload

Transactions labeled04121,2082,0362,7443,286AI checked every label

FIRST HARBOR BANK · CHECKING ···8812Cow Bay Diner LLC · September 2026

09/08TOAST DEP SETTLEMENT6,412.80Revenue

09/09ACH DEBIT BSD CAP−3,600.00Position · not declared

09/09TRANSFER FROM SAV 881215,000.00Transfer · not revenue

09/11ADP PAYROLL−9,214.66Payroll

09/22ZELLE FROM M REYES6,200.00Owner injection · AI

Diner_Sep_2026.pdf

FORM 1120-S · 2025 · PAGE 1Cow Bay Trucking LLC

1aGross receipts or sales2,410,377

2Cost of goods sold1,391,200

3Gross profit1,019,177

13Interest96,400

14Depreciation212,600

YOUR SPREAD · FY2025

Revenuep1 · line 1a2,410,377

Cost of goods soldp1 · line 21,391,200

Gross profitp1 · line 31,019,177

Interest · added backp1 · line 1396,400

Depreciation · added backp1 · line 14212,600

Every figure sourced to the line

02 · Analyze

Capacity from the numbers. Character from the transactions.

Learn more Learn more Learn more

CREDIT MEMO · YOUR TEMPLATECow Bay Trucking LLC$750,000 term loan

Global DSCR1.38x

Debt to EBITDA2.1x

Collateral82%

Guarantors2

1Request and proposed structureDrafted

2Business and managementDrafted

3Industry and marketDrafted

4Repayment capacityDrafted

5CollateralDrafted

6Guarantors and affiliatesDrafted

7Policy exceptionsReview

8Risk rating and recommendationYour analyst

CITED

Form 1120-S · 2025, p1

Statements · 12 months

Debt schedule · line 3

Guarantor returns · 2

UCC search · state

Local news · Sep 12

INVESTOR CRE · $7,200,000 · REFINANCERiverside Commons · 42-unit mixed use

LineAppraisalT12Underwritten

Gross potential rent$1,262,000$1,236,500$1,248,000

Vacancy and credit loss3%−$62,2008% observed

Effective gross income$1,224,140$1,174,300$1,148,160

Operating expenses−$443,140−$432,000−$438,600

Net operating income$781,000$742,300$709,560

The appraisal assumes 3% vacancy. Collections show 8%.

DSCR · observed1.30x

Loan to value76.1% · over 75%

Lease rollsPharmacy · Mar 2027

03 · Enrich

Know every borrower like the shop on your corner.

Learn more Learn more Learn more

SECRETARY OF STATE · NYCow Bay Diner LLC

StatusActive

FormedMarch 2017

AddressMatches statements

Managing memberM. Reyes

CONNECTED ENTITIES

Cow Bay Diner LLCCow Bay Catering LLCNot on applicationCow Bay on Wheels LLC · dissolved 2022

Checking the business and owner0123456 of 6

Identity · KYCCheckingMatch

Business identity · KYBCheckingMatch

OFAC and sanctionsCheckingClear

Court recordsChecking1 small claim · resolved

Tax liens and judgmentsCheckingNone

UCC liensChecking1 not declared

BSD Capital · filed Aug 2026Ties to the weekly $3,600 debit in the account

04 · Decide

How well does it fit your book?

Learn more Learn more Learn more

SUBMISSION 4471 · 9:02 AMYour rules

Time in business9 yearsPass

Revenue minimum$188,400Pass

NSF days6 of 5Watch

Open positions3 of 2Watch

Hard stopsNone hitPass

Learned ruleRestaurants, 3+ positionsApplies

Decline744 this week

Fails a rule. The reasons go to the broker.

Review372 this week

On watch, with the work already doneNSF days over your limitLearned rule applies

Fast track124 this week

Clean files, analysis attached

Cow Bay Diner

Delivered

Signal, delivered however you already work.

By API into your LOS, CRM or core, or on our platform. Nothing changes for your borrowers.

What we do differently

Speed is table stakes. Signal is the edge.

Who it's for

One signal for every business lender.

Every capability is sold on its own, or packaged for how you lend.

ForBanks and credit unionsFollow a commercial file from the first document to the memo.Follow the file ForSpecialty lendersFollow a broker submission from the inbox to a supported offer.Follow the file

ForPlatformsSoonLending inside your product, decided by API.

See the story your files are telling.

Send us three recent files. We'll send back the complete credit file for each.

Book a demo

Priced per capability. Use one, or the whole file.

Signallenders can act on.

Business lending runs on half the story.

We read every page so your analysts don't have to.

Capacity from the numbers. Character from the transactions.

Know every borrower like the shop on your corner.

How well does it fit your book?

Signal, delivered however you already work.

Speed is table stakes. Signal is the edge.

One signal for every business lender.

See the story your files are telling.

Signal
lenders can act on.