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We evaluate every application on two independent factors: the quality of the business and the safety of the loan.
Our assessment process is divided into three parts to give lenders a complete picture without exposing sensitive merchant data.
Measures the quality and stability of the business.
Month-over-month consistency is the strongest predictor of repayment per FinRegLab research.
Steady transaction patterns indicate reliable demand.
Track record matters, but is weighted lower than cash flow.
Sustainable growth (10-30%) scores highest.
Measures whether this specific loan amount is appropriate for the business's revenue.
Ensures the business isn't over-leveraging itself. This assessment assigns a risk tier separate from the quality score, allowing lenders to decide their own risk tolerance.
We calculate these scores server-side and only display the Grade and Tier to the public. Raw financial data (exact revenue dollars) is never exposed, protecting the merchant's competitive advantage.
As an inclusive, mission-based fintech, we intentionally choose language and visuals that frame every business as being on a growth journey—not as passing or failing a test. Our terminology draws from research on inclusive fintech and alternative credit scoring.
How we name score tiers to avoid judgment
Traditional systems use A/B/C/D letter grades, which carry school-grade associations where "D" implies failure. We evaluated several alternatives:
| Score | Traditional | Journey-Based | Numeric Tiers |
|---|---|---|---|
| 75-100 | Grade A | Established | Tier 1 |
| 55-74 | Grade B | Growing | Tier 2 |
| 40-54 | Grade C | Building | Tier 3 |
| 0-39 | Grade D | Emerging | Tier 4 |
Our choice: Journey-based labels frame every tier as a stage in the business growth journey rather than a pass/fail judgment.
Accessible, non-judgmental color choices
Traditional "traffic light" colors (red/yellow/green) carry implicit judgment and are problematic for colorblind users (~8% of men). We evaluated alternatives:
Our choice: Gray for the lowest tier implies "needs more data" rather than "bad," removing the red "danger" signal.
The case for inclusive credit language
Traditional credit systems exclude 1.4 billion unbanked adults globally—often labeling them as "high risk" simply because they lack data. Inclusive fintech research suggests:
Our goal is to help every business grow, not to gatekeep who "deserves" credit.