LeadFinder

Public records

State UCC public records, as of 2026-11-12.

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Fictional role (demo only, not real authentication):

Read only. Switch to Analyst or Partner to review or change leads.

Scoring settings

The standard formula (demo-rules-v1) is in use. These numbers decide how liens are rated and companies are scored.

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Prototype. Filings are real public records from state UCC open-data portals. Scores and MCA labels are unverified signals from public records, not findings of distress; verify before any external use.
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Only a partner can change the scoring formula. Switch role in the sidebar to try it.

Lien MCA rating

Each lien filing gets points for who filed it and what its collateral wording says. The total, from 0 to 100, rates how likely the lien is a merchant cash advance.

Default 55. Added when a partner has checked the lender and marked it as an MCA lender.
Default 40. Added when the lender looks like an MCA provider but no partner has confirmed it yet.
Default 35. The collateral describes a purchase of future receivables, the usual MCA contract.
Default 25. The collateral mentions daily or weekly remittance or bank debits.
Default 20. The collateral mentions future receivables in some other way.
Default 60. The three wording rules together never add more than this.
Default -45. For a specific machine or vehicle with a serial number. Usually a negative number, so it lowers the rating.
Default -45. For fixtures or property rather than sales. Usually a negative number, so it lowers the rating.

Company score

Each company gets points from all of its liens. The total, from 0 to 100, sets its priority band in the inbox.

Default 35. Added once when at least one of the company's liens reaches the likely MCA cut-off.
Default 20. Added instead when the company's best lien only reaches the possible MCA cut-off.
Default 25. Several lenders filing in a short time suggests stacked advances.
Default 15. Used only when the 90-day rule does not apply.
Default 10. Used only when neither of the two rules above applies.
Default 15. Added when at least three of the company's liens have not ended.
Default 10. Added when a bank's lien is followed by a lien rated likely MCA.
Default -20. Any lien was terminated, often a sign a debt was paid off. Usually a negative number.

Cut-offs

Where a total moves up to the next rating or band. Each cut-off must be higher than the one below it.

Default 70. A lien with at least this many points is rated likely MCA.
Default 40. Below the likely cut-off, at least this many points is possible MCA; fewer is unknown.
Default 80. A company score of at least this is Critical.
Default 60. Below Critical, at least this is High.
Default 40. Below High, at least this is Medium; lower scores are Low.
Default 40. A company that first becomes a lead with a lower score starts as Monitoring instead of New. Leads already in the queue keep their status.

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