Yes. Upgrades take effect immediately with prorated billing. Downgrades apply at the next renewal date. No penalty.
What happens after I subscribe?+
You'll receive an onboarding email within minutes. Starter and Pro are self-serve — log in immediately. Elite triggers a dedicated onboarding call within 1 business day.
Does the lender match engine use live data?+
Yes. The 500+ lender network is updated continuously via the canonical lender matrix. Eligibility is scored in real-time against your profile.
Is my candidate data kept private?+
Your data lives in an isolated tenant. We do not share, resell, or cross-reference data across accounts. Encryption at rest and in transit.
Do I need a credit pull to use the platform?+
No. Starter and Pro use self-reported profile data for scoring. Elite adds optional real 3-bureau pulls via IDCS for higher-confidence results.
What's the difference between the Stack Scenario Builder and the Simulator?+
The Simulator scores a single profile against our fundability model. The Stack Scenario Builder (Pro+) sequences multiple lenders optimally — recommending which positions to take first to maximize total funded amount.
Start with a score.
Run your fundability score free — no credit card. Upgrade when you're ready to route deals.