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Funder Reliability Scorer

Score funders on operational reliability metrics including funding speed, approval rate, and support.

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Why Score Funder Reliability?

Funder reliability directly impacts your income, reputation, and merchant relationships. A funder who promises 24-hour funding but consistently takes 72 hours makes you look bad to merchants. A funder with a 20% clawback rate (versus the industry average of 5-8%) eats your commission. A funder with no weekend support leaves you stranded on Monday mornings. This scorer quantifies funder operational quality across four dimensions: funding speed consistency, approval rate (how often submissions result in funding), historical clawback rate (how often you lose commission), and support availability. Use it to compare funders objectively and allocate more volume to reliable partners.

How to Use This Calculator

Enter funder performance data

Track these metrics from your deal history. Average funding time, approval rate, and clawback rate should come from at least 20+ deals with the funder for meaningful data.

Rate their support availability

How many hours per week is the funder's underwriting/support team available? Standard business hours is 50 hrs/wk. Extended hours or weekend coverage increases the score.

Compare across funders

Run this for each funder relationship and compare scores. Redirect volume from low-reliability funders to high-reliability ones. Share the results with underperforming funders as negotiation leverage.

Key Concepts

Funding Speed Consistency

Not just average speed, but consistency. A funder that funds in 24 hours 80% of the time and 96 hours 20% of the time is less reliable than one that consistently funds in 48 hours.

Approval Rate

The percentage of your submissions that result in funded deals. Higher rates indicate good alignment between your deal flow and the funder's credit box. Low rates mean wasted time on both sides.

Clawback Frequency

How often the funder claws back commission. High clawback rates may indicate the funder is approving deals they should decline (aggressive underwriting that leads to defaults) or has unreasonable clawback terms.

Expert Insights

Track Data Religiously: Most brokers have a "gut feel" about which funders are reliable but never track the data. Start a simple spreadsheet: for every submission, record the funder, submission date, approval date, funding date, and any clawback. After 50-100 deals, patterns emerge that gut feel misses. You may discover that the funder you think is fast is actually average, and the one you underuse is consistently fastest.

Share Scorecards With Funders: Funders want to know how they compare. Sharing your reliability scorecard (anonymized competitor data) with a low-scoring funder creates constructive pressure to improve. A funder who sees they rank 5th out of 6 on funding speed will often expedite your deals. This is professional, data-driven negotiation.

Frequently Asked Questions

Above 50% indicates good alignment. 40-50% is acceptable. Below 40% means you are submitting deals outside the funder's credit box, wasting time. Either refine your deal selection for that funder or find a funder that fits your deal flow better.

Submit better-quality deals. If your clawback rate with a specific funder exceeds 8%, analyze which deals were clawed back and look for patterns (industry, deal size, merchant profile). Exclude that pattern from future submissions to that funder. Also, ensure you are not over-stacking merchants.

Not necessarily. If the funder fills a niche (e.g., startup funding, specific industries, very large deals) that no other funder covers, low reliability may be acceptable for those specific deals. But do not make them a primary funder. Restrict low-reliability funders to niche-specific submissions.

Results are estimates for educational purposes only. Actual amounts may vary based on your specific financial situation, market conditions, and other factors. This calculator does not constitute financial advice.