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INV-1019
Regional Health Network
Originated by Gulf Coast AR Capital · Staffing
B
88/100
Target yield
20.9%
Term
23d
Face value
$85,600
Advance
90%
Credit model
Expected loss = PD × LGD × EAD, sized to a stressed reserve. The advance and yield fall out of the loss math.
PD (annualized)
1.00%
0.08% over term
LGD
8%
loss given default
Dilution
1.1%
disputes / short-pays
Exposure (EAD)
$77,040
advanced to originator
Expected loss
$768
1.00% of exposure
Reserve
10%
held back as buffer
How the 20.9% yield is priced
Funding cost+ 5.50%
Expected loss (annualized)+ 12.13%
Servicing+ 1.50%
Risk premium+ 1.80%
Investor target yield20.90%
Risk signals
The inputs behind the score of 88. Higher bars are safer.
Originator tenure75
Originator cash-flow stability78
Payor scale64
Debtor credit quality94
Debtor payment speed78
Invoice verification90
Invoice concentration95
Deal terms
Debtor
Regional Health Network
Debtor credit
Grade B
Avg days to pay
45 days
Issued
2026-06-19
Due
2026-07-19
SMB fee
1.55%
Amount advanced
$77,040
Originator monthly rev
$320,000