Evaluate revenue-based financing with evidence, not guesswork.
RBF analyzes merchant revenue, tests repayment scenarios, and surfaces the risks and assumptions behind every financing recommendation — for merchants without a bank credit file, and the capital providers evaluating them.
A different data source, not a proven better one.
A thin bureau file is not no signal
Where a seller's bureau history is thin, order data, customer ratings and delivery performance still accumulate continuously. Whether those predict repayment is not a claim this project tests — it has no seller outcomes to test against, and no comparison against bureau data was performed.
Revenue data, as submitted
The shipped prototype takes merchant-submitted figures and does not connect to any platform API. Reading revenue directly from platforms is the design intent, not the current behaviour — so today these values are self-reported, which is exactly what the integrity screen exists to test.
Structure that flexes with revenue
Repayment is a percentage of revenue, not a fixed installment — a slow month lengthens the term rather than raising the payment. It does not remove the risk: permanent revenue cessation before completion, while a balance is still outstanding, can prevent the cap from ever being reached.
From revenue data to a financing structure.
Assess merchant revenue
Operational metrics as submitted by the merchant. The shipped prototype does not connect to any platform API, so these figures are self-reported and unverified.
The model scores risk
A Random Forest and Logistic Regression ensemble produces an unvalidated demo risk score and per-signal flags. It is trained on synthetic data whose label is a formula over the same features, so the score carries no predictive claim.
Structure the financing
Recommended advance, remittance percentage, repayment cap, and downside scenarios — with the reasoning behind each. Response time is not benchmarked.
Hover a step to see what it does.
An underwriting layer for your existing stack.
Assess merchant revenue, structure financing terms, and document every recommendation for risk review.
Direct API
One endpoint. Submit merchant data, receive a structured financing analysis.
Your capital, your license
RBF analyzes. You finance.
Portfolio view
Every assessment, searchable, exportable.
Retro-validation
Record repayment outcomes; the model reports its real-world AUC as they accumulate. No accuracy figure is claimed until then — the earlier synthetic benchmark was withdrawn as circular.
Start with a pilot. Grow with us.
Pilot
100 assessments monthly. For evaluation.
- Full API access
- Portfolio dashboard
- Email support
Design partner
Priority onboarding for early design partners — higher limits, webhooks, and a direct line to shape the roadmap. No pricing locked in yet.
- Priority access & higher limits
- Webhook delivery
- Direct line to the founder
Infrastructure
Unlimited volume. Custom models. SLA.
- Dedicated model tuning
- Private deployment
- Enterprise support
Request access
We're onboarding financing teams in small cohorts.