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INV-1030
Coastal Logistics Co.
Originated by Lone Star Factoring · Trucking / Freight
C
75.8/100
Target yield
20.3%
Term
56d
Face value
$13,900
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)
3.36%
0.70% over term
LGD
5%
loss given default
Dilution
2.2%
disputes / short-pays
Exposure (EAD)
$12,510
advanced to originator
Expected loss
$252
2.01% of exposure
Reserve
10%
held back as buffer
How the 20.3% yield is priced
Funding cost+ 5.50%
Expected loss (annualized)+ 9.80%
Servicing+ 1.50%
Risk premium+ 3.50%
Investor target yield20.30%
Risk signals
The inputs behind the score of 75.8. Higher bars are safer.
Originator tenure92
Originator cash-flow stability86
Payor scale64
Debtor credit quality82
Debtor payment speed72
Invoice verification90
Invoice concentration100
Deal terms
Debtor
Coastal Logistics Co.
Debtor credit
Grade C
Avg days to pay
49 days
Issued
2026-06-07
Due
2026-08-21
SMB fee
3.75%
Amount advanced
$12,510
Originator monthly rev
$480,000