Kanmon Underwriting Scoring

Load example:

Offer & context Offered products comma-separated; FIRST token = modal product

append:

Platform (partner) Business state Monthly limit ($) Loan amount ($) MCA advance ($) Max loan cap ($)

Owner bureau (Experian consumer, point-in-time) PIT FICO Revolving balance ($) Revolving avail (pct 0-1) Inquiries 6m Delinq 30d count Delinq 60d count Past due ($) Paid accounts

Business bureau (Experian commercial, point-in-time) FSR score Inquiry count UCC count Collections count Trade collections

Bank / cash flow (Plaid aggregates) Inflow 90d ($) Inflow 365d ($) Min balance 90d ($) Avg balance 90d ($) Days observed 90d Inflow CV 90d Inflow trend Debt payments 365d ($)

Metadata App ID (reference) Policy-absolute decline (never flippable)