u/SelectionInformal826

Hey everyone!

I'll make this short and to the point.

When businesses need capital quickly, they have two options.

Go to the bank, which requires a ton of paper work and good credit. Usually isn't quick.
Use a merchant cash advance, which on average cost 20-30%.

We are building the first platform that allows businesses to sell future receivables at a fixed 10% discount, which investors can then purchase. Businesses pay back in ~3-9 months, giving investors high APR's.

Our underwriting looks at 3 years of POS transaction data on these businesses. (Guidelines are 50 pages long, won't post the full the risk analysis and matrix here)

We are looking for feedback and opinions, it would be greatly appreciated.

View our product demo if you'd like - https://fundrascal.com/

Thanks in advance!

Rates Drift Lower Amid Fed Aftermath and Economic Data Focus (05/01/26)

Bond pricing is improved in early trading as treasury yields move lower. The U.S. 10-Year Treasury yield is currently 4.402%, above opening levels near 4.39%. Yields remain relatively flat over the week after the Fed’s interest rate decision, GDP coming in below expectations and PCE printing in line with forecasts. The Iran conflict is reaching a new timeline where a president must withdraw troops within 60 days of notifying Congress of their deployment unless Congress authorizes the initiative. The administration is countering that the ceasefire has “terminated” hostilities making the rule currently obsolete.

S&P manufacturing PMI and ISM manufacturing data are both due out this morning to wrap up the week. Jobs will be the focus next week with ADP employment, initial jobless claims, and the latest Unemployment report on Friday.

Looking for feedback on an investment instrument

Rates Drift Lower Amid Fed Aftermath and Economic Data Focus (05/01/26)