We replaced the loan officer with an API. Cooper Funding uses real-time banking data to assess risk in milliseconds, not weeks.
We connect directly to business bank accounts via Plaid™. This allows us to verify revenue instantly without asking for PDF statements or tax returns.
Our proprietary "Cooper Score" analyzes daily cash flow, negative days, and deposit frequency to approve deals that traditional banks reject.
All data is encrypted via AES-256 standards. We never sell data. We use it strictly for underwriting and then archive it securely.
Cooper Funding is vertically integrated with Perqo Digital. For our restaurant clients, we can underwrite loans based on future order volume predicted by our ordering system.
const calculateRisk = (transactions) => {
let avgDaily = transactions.reduce((a,b) => a + b, 0) / 30;
if (avgDaily > 15000) {
return "APPROVED_TIER_1";
}
}
// API Response 200 OK
>> FUNDING_DEPLOYED: $45,000.00