Factor weights
Total weight: 10025
Match between requested loan type and lender programs
20
Fit within lender min/max loan size
20
Borrower credit vs lender minimum
15
Whether lender operates in borrower's state
15
Alignment with lender's asset focus
5
Income, liquidity, net worth signals
Tier thresholds
Anything below the secondary threshold appears under "Alternative funding sources".
Scaling notes
The matching engine ranks every active capital source against the borrower's application using these weights and returns the full distribution split into Top / Secondary / Alternative tiers. The pipeline is designed to scale to hundreds of matches per request and tens of thousands of lenders in the database.