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INV-1007
Sysco Foods
Originated by Lone Star Factoring · Trucking / Freight
B
88.1/100
Target yield
14.9%
Term
54d
Face value
$85,700
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)
0.65%
0.11% over term
LGD
4%
loss given default
Dilution
1.1%
disputes / short-pays
Exposure (EAD)
$77,130
advanced to originator
Expected loss
$767
0.99% of exposure
Reserve
10%
held back as buffer
How the 14.9% yield is priced
Funding cost+ 5.50%
Expected loss (annualized)+ 6.05%
Servicing+ 1.50%
Risk premium+ 1.80%
Investor target yield14.90%
Risk signals
The inputs behind the score of 88.1. Higher bars are safer.
Originator tenure92
Originator cash-flow stability86
Payor scale92
Debtor credit quality94
Debtor payment speed88
Invoice verification90
Invoice concentration100
Deal terms
Debtor
Sysco Foods
Debtor credit
Grade B
Avg days to pay
38 days
Issued
2026-06-20
Due
2026-08-19
SMB fee
2.20%
Amount advanced
$77,130
Originator monthly rev
$480,000