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INV-1026
Kaiser Permanente
Originated by Lone Star Factoring · Trucking / Freight
A
94.6/100
Target yield
11.3%
Term
25d
Face value
$106,800
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)
$96,120
advanced to originator
Expected loss
$433
0.45% of exposure
Reserve
10%
held back as buffer
How the 11.3% yield is priced
Funding cost+ 5.50%
Expected loss (annualized)+ 3.65%
Servicing+ 1.50%
Risk premium+ 0.60%
Investor target yield11.30%
Risk signals
The inputs behind the score of 94.6. Higher bars are safer.
Originator tenure92
Originator cash-flow stability86
Payor scale92
Debtor credit quality99
Debtor payment speed84
Invoice verification90
Invoice concentration98
Deal terms
Debtor
Kaiser Permanente
Debtor credit
Grade A
Avg days to pay
41 days
Issued
2026-06-06
Due
2026-07-21
SMB fee
1.25%
Amount advanced
$96,120
Originator monthly rev
$480,000