Every minute spent on an unfundable borrower is revenue left on the table. Screen fast, route smart, close more.
01 / INSTANT FUNDABILITY SCORE
Know Before You Underwrite
47-second fundability score from a readiness signal framework — FICO band, revenue, time in business, utilization, DTI — returns a tier classification, approval probability, and funding range. Know in under a minute whether a deal is worth your team's time.
- 6-tier classification (Elite → Deep Subprime)
- Approval probability by lender type
- Funding range: single product + optimized stack
- Decline risk flags surfaced before submission
02 / LENDER ROUTING
Match Borrower to the Right Money
Not every borrower fits every lender. The stacking engine cross-references partner-defined lender-routing pathways — FICO minimums, TIB requirements, LTV thresholds, state restrictions, bureau preferences — and returns the optimal submission sequence by approval probability.
- Partner-defined lender-routing pathways with readiness scoring and routing intelligence
- Bureau optimization (route to strongest pull)
- State exclusion and industry restriction filtering
- Conservative / moderate / aggressive stack options
03 / HARD MONEY PRE-QUAL
Screen Fix & Flip Borrowers at Scale
Hard money and bridge lenders live and die by deal velocity. Deploy FUNDINGGAUG≡™ as a pre-qualification layer — borrowers self-score before your team touches them. Only fundable borrowers reach underwriting. Team capacity doubles without adding headcount.
- Embeddable widget on your website or referral portal
- Borrower self-scores in 47 seconds
- Only qualified leads routed to your pipeline
- Unqualified borrowers get a roadmap, not a dead end
04 / BUYING POWER STACK
Show the Full Capital Picture
A borrower thinking they have $75K for a fix & flip may actually qualify for $75K equity + $150K unsecured + $50K equipment line = $275K total capital. The Buying Power Report shows them — and their investors — the full stack, with monthly debt service calculated.
- Cash + all fundable products in one view
- Monthly debt service across the full stack
- Post-stack DTI calculation
- Shareable link for investor or partner review
05 / BROKER / AGENT PORTAL
Your Real Estate Network, Pre-Qualified
Give every agent and broker in your network a co-branded intake link. When their buyer or investor needs bridge financing, hard money, or a fix & flip loan, they run the score first. You get pre-qualified referrals, not raw leads.
- Co-branded portal per referring agent or broker
- Sub-link tracking and referral attribution
- HubSpot CRM push with full score data
- Commission tracking for referral network
06 / WHITE-LABEL API
Embed Into Your Existing Stack
For lending platforms and PropTech companies that want the engine inside their existing workflow — not a separate portal. API keys, webhook callbacks, custom data fields. Plug the fundability scoring layer into your LOS, CRM, or underwriting system.
- REST API with full scoring and stacking endpoints
- Webhook callbacks on score completion
- Custom fields for RE-specific criteria (LTV, ARV, rehab budget)
- Multi-tenant isolation for your broker network