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INV-1005
Coastal Logistics Co.
Originated by Gulf Coast AR Capital · Staffing
C
75.6/100
Target yield
22.9%
Term
57d
Face value
$64,000
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%
0.56% over term
LGD
9%
loss given default
Dilution
2.2%
disputes / short-pays
Exposure (EAD)
$57,600
advanced to originator
Expected loss
$1,170
2.03% of exposure
Reserve
10%
held back as buffer
How the 22.9% yield is priced
Funding cost+ 5.50%
Expected loss (annualized)+ 12.36%
Servicing+ 1.50%
Risk premium+ 3.50%
Investor target yield22.90%
Risk signals
The inputs behind the score of 75.6. Higher bars are safer.
Originator tenure75
Originator cash-flow stability78
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
2026-06-23
Due
2026-08-22
SMB fee
3.39%
Amount advanced
$57,600
Originator monthly rev
$320,000