POLISCOPE
Back to feed
NewsMiami WireAugust 10, 2026Miami-Dade

Performance-based lenders use twelve-month bank account history to determine loan terms

Performance-based direct lenders evaluate a small business's loan application primarily through the analysis of their bank account transaction history. This twelve-month review period directly influences the final loan amount and terms offered to the business.

small businessfinanceloansbanking
Read the full story at Miami Wire

Why It Matters

Small business owners seeking financing are subject to automated processes where their daily banking activity determines their eligibility and the cost of capital.

Key Facts

Each fact below is taken from the article. Click one to see the exact passage.

Who's Mentioned

organizationMiami Wire“The outlet that published the article.”organizationFundivi“A direct lender using AI-powered underwriting for working capital and term loans”organizationMatrix Global, LLC“The parent company of Miami Wire.”