Consented inquiries, compared with stated criteria.

Credit Orchard collects an initial business snapshot and records the applicant’s sharing authorization. Participating partners define their own product criteria, underwriting, disclosures, contact rules, and commercial terms in a written agreement.

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What the relationship can define

Structured inputs. Independent decisions.

Initial business snapshot

Business identity, industry, operating history, self-reported revenue, requested amount, intended use, location, and approximate credit range when supplied.

Stated product criteria

Product category, deal-size parameters, industry preferences, state coverage, operating-history expectations, and other criteria the partner provides.

Authorized data scope

The written relationship and applicant authorization define what can be shared, with whom, for what purpose, and through which delivery method.

Separate underwriting

The partner controls verification, fraud checks, credit authorization, underwriting, adverse-action obligations, disclosures, and the final decision.

Commercial terms

Compensation, reconciliation, applicant charges, permitted contact, data handling, termination, and nonexclusivity belong in the signed agreement.

Quality feedback

When permitted, structured decline or mismatch reasons can improve future criteria comparison without promising applicant flow or funded volume.

Product criteria

Describe the real product box.

Credit Orchard can discuss multiple commercial financing categories. Actual participation, amounts, costs, states, industries, and timing must come from current written partner criteria.

Term loans

Term, payment, collateral, guarantee, minimums, exclusions

Business lines of credit

Draw rules, renewal, fees, payment and availability

Equipment financing

Asset types, lien structure, advance and ownership terms

SBA-backed products

Program, lender, eligibility, documentation and use-of-funds rules

Receivables products

Eligible invoices, recourse, reserves, notices and concentration

Revenue-linked products

Payment mechanics, remittance frequency, reconciliation and total cost

How a relationship begins

Review before routing.

Fit and authority

Confirm entity, authority, products, states, industries, contact permissions, compliance ownership, and intended delivery workflow.

Agreement and security review

Document commercial terms, permitted use, privacy, security, retention, reconciliation, termination, and incident responsibilities. Timing depends on review.

Criteria configuration

Record approved criteria and delivery rules. A comparison flags possible fit; it does not replace underwriting or promise a routed inquiry.

Measured review

Evaluate fit, handling, applicant experience, and authorized outcome feedback. Any changes follow the written relationship and current criteria.

Start with the product box and data boundaries.

Describe products, jurisdictions, underwriting fit, delivery, consent, security, and the commercial questions that need written answers.

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