SMB Debt Capacity Signal Finder
Pricing
from $5.00 / 1,000 business debt assessments
SMB Debt Capacity Signal Finder
Assess SMB debt capacity from public records: entity age, type, status, and financial health signals. Computes RefinanceScore (0-100) for commercial lenders and MCA brokers.
Pricing
from $5.00 / 1,000 business debt assessments
Rating
0.0
(0)
Developer
Vaibhav Veerwaal
Maintained by CommunityActor stats
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Bookmarked
2
Total users
1
Monthly active users
6 days ago
Last modified
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Assess SMB debt capacity from public records: entity age, type, status, and financial health signals. Computes RefinanceScore (0-100) for commercial lenders and MCA brokers.
Target: MCA brokers, commercial lenders, equipment financing ($100B+ industry).
Features
- Queries OpenCorporates API for entity filing data (incorporation date, type, status, jurisdiction)
- Discovers business website via search and extracts contact signals
- RefinanceScore (0-100) with full breakdown
- Filter by minimum refinance score
Scoring Model
| Component | Max | What It Measures |
|---|---|---|
| Entity Age | 25 | >20yr (25), >10yr (20), >5yr (15), >2yr (10), <2yr (5) |
| Entity Status | 25 | Active (25), unknown (15), dissolved/inactive (0) |
| Entity Type | 15 | Corporation (15), LLC (12), Nonprofit (8) |
| Jurisdiction | 10 | DE/NV/FL/WY (10), other state (5) |
| Web Presence | 25 | Website (10), email (8), phone (5), social ≥2 (2) |
Risk Levels
| Score | Level | Meaning |
|---|---|---|
| 65-100 | LOW | Established entity, good debt capacity |
| 40-64 | MEDIUM | Moderate risk, further verification needed |
| 0-39 | HIGH | Young/unknown entity, high risk |
Input
| Field | Type | Description |
|---|---|---|
| businesses | array | [{"name": "Acme Corp", "state": "CA"}] |
| computeRefinanceScore | boolean | Enable scoring (default: true) |
| minRefinanceScore | integer | Filter threshold (0-100, default: 0) |
Pricing
$5.00/1000 businesses. Multi-source data fusion + scoring justifies premium.
