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INV-1044
The Home Depot
Originated by Gulf Coast AR Capital · Staffing
A
94.6/100
Target yield
9.8%
Term
63d
Face value
$71,000
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)
0.13%
0.03% over term
LGD
7%
loss given default
Dilution
0.5%
disputes / short-pays
Exposure (EAD)
$63,900
advanced to originator
Expected loss
$289
0.45% of exposure
Reserve
10%
held back as buffer
How the 9.8% yield is priced
Funding cost+ 5.50%
Expected loss (annualized)+ 2.20%
Servicing+ 1.50%
Risk premium+ 0.60%
Investor target yield9.80%
Risk signals
The inputs behind the score of 94.6. Higher bars are safer.
Originator tenure75
Originator cash-flow stability78
Payor scale92
Debtor credit quality99
Debtor payment speed93
Invoice verification90
Invoice concentration98
Deal terms
Debtor
The Home Depot
Debtor credit
Grade A
Avg days to pay
35 days
Issued
2026-06-14
Due
2026-08-28
SMB fee
1.81%
Amount advanced
$63,900
Originator monthly rev
$320,000