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INV-1024
Walmart Inc.
Originated by Summit Trade Finance · Manufacturing
A
94.6/100
Target yield
10.3%
Term
49d
Face value
$103,700
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)
0.13%
0.02% over term
LGD
4%
loss given default
Dilution
0.5%
disputes / short-pays
Exposure (EAD)
$93,330
advanced to originator
Expected loss
$421
0.45% of exposure
Reserve
10%
held back as buffer
How the 10.3% yield is priced
Funding cost+ 5.50%
Expected loss (annualized)+ 2.74%
Servicing+ 1.50%
Risk premium+ 0.60%
Investor target yield10.30%
Risk signals
The inputs behind the score of 94.6. Higher bars are safer.
Originator tenure100
Originator cash-flow stability90
Payor scale92
Debtor credit quality99
Debtor payment speed97
Invoice verification90
Invoice concentration100
Deal terms
Debtor
Walmart Inc.
Debtor credit
Grade A
Avg days to pay
32 days
Issued
2026-06-15
Due
2026-08-14
SMB fee
1.52%
Amount advanced
$93,330
Originator monthly rev
$910,000