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Revenue-Based Financing · Southeast Asia

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.

Read the methodology →

RF+LR risk modelrule-based integrity screendeterministic financing engineVietnam
ILLUSTRATIVE DEMO · ADJUST THE PROFILERF+LR ENSEMBLE v1.0
Thời Trang Linh Chi
Shopee · 680 days active
185,000,000₫
+22%
2.8%
4.9
1.8%
680d

Recommendation Low Risk
Illustrative tier: low risk
Demo score 2.4% — synthetic, not a validated default probability
Recommended advance
333,000,000₫

Remittance8% of revenue
Repayment cap382,950,000₫
Est. duration26 months
Cost (APR)
View full assessment →
Deterministic financing engine · move a slider — this card is scored by the live model
Why this exists

A different data source, not a proven better one.

01

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.

02

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.

03

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.

How it works

From revenue data to a financing structure.

1

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.

2

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.

3

Structure the financing

Recommended advance, remittance percentage, repayment cap, and downside scenarios — with the reasoning behind each. Response time is not benchmarked.

Operational signals
Feature normalization
RF + LR ensemble
Demo risk score
Integrity screen
Financing structure
Repayment scenarios
Explanation

Hover a step to see what it does.

For lenders

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.

Response

        
Pricing

Start with a pilot. Grow with us.

Pilot

Free

100 assessments monthly. For evaluation.

  • Full API access
  • Portfolio dashboard
  • Email support

Infrastructure

Custom

Unlimited volume. Custom models. SLA.

  • Dedicated model tuning
  • Private deployment
  • Enterprise support

Request access

We're onboarding financing teams in small cohorts.

next cohort · august 2026 · or email us directly
Step 1 of 3

Tell us about the merchant

Basic merchant and channel information.

Merchant name is required.
Enter monthly revenue.
Enter order volume.
RBF-
Decision
Merchant
Recommended advance
Remittance
Repayment cap
PD score

Structure the financing

Test downside scenarios

Remittance is a percentage of revenue, so a decline doesn't miss a payment — it extends the term. Duration is what moves.

ScenarioMonthly revenuePeriodic remittanceRepayment duration

Review the evidence

Integrity screen Clear

Why this decision?

Approval drivers

    Risk adjustments

      Assessment reasoning

      What this means
      Privacy

      How we handle your data

      What we collect

      When you apply for an assessment, we store the business metrics you submit — shop name, platform, revenue, orders, returns, ratings, and operating history — together with the resulting illustrative risk tier and the assessment record — this is a demonstration, not a credit decision our model produces. When you join the access list, we store your email address.

      How it is used

      Submitted metrics are used solely to generate your credit assessment and to display it to authenticated lenders in the portfolio dashboard. Waitlist emails are used only to contact you about access. We do not sell data, and we do not share it with third parties beyond the hosting infrastructure the service runs on.

      Retention and deletion

      Data is retained while the service operates. To have your records deleted, write to lehuuhoang1909@gmail.com from the address you signed up with and we will remove them.

      Status

      RBF is in pilot. The risk model is a baseline trained on synthetic data; the financing structure is computed deterministically from submitted revenue data. Neither is a lending commitment or an offer of credit, and results should be reviewed before any financing decision.

      Last updated July 2026 · lehuuhoang1909@gmail.com