AllClear Lending

Lane PC (investor property) or BC (business capital). Returns program TYPES with plain descriptions and typical ranges from categorical answers plus optional rounded figures. An estimated match, never an offer. PC answers: deal (purchase|refinance|purchase_rehab), occupancy (investment|owner), owner (entity|individual), propertyType (1-4|5-20|mixed), experience (0|1-2|3-5|6+), exit (sell|dscr|unsure), optional purchasePrice, rehabBudget, afterRepairValue. BC answers: timeInBusiness (<1|1-2|2-5|5+), nsf (0|1-3|4+), openPositions (no|yes), use (inventory|equipment|payroll|expansion|refinance|other), optional monthlyDeposits, amount.

Named lenders and programs for an industry, optionally filtered by state and product and ranked cheapest-suitable first for the bands given. Returns institution, program, products, geography, broker path, submission channel and the source URL. Not an offer; lenders decide.

For one industry: ease tier (A–D), products that fit, lenders that serve or restrict it, SBA eligibility, specialty programs, the best first route, the dignity fallback when everything declines, and research white space.

The full public record for a program id returned by find_lenders, or every program of one institution by name.

Approval rate, funded rate and median days to decision per lender, from reported outcomes, by program, institution, industry or state. A cell is shown only when outcomes from 5 or more distinct other reporters are in it. Counts of decisions, not predictions.

The decline-with-dignity waterfall: given why a business was declined (and optional profile bands), the next rungs to try, cheapest for the owner first, down to free nonprofit credit counseling. Never a dead end.

Add one submission outcome to the shared outcome graph: which lender, what kind of file (bands), and the decision. No names, amounts or identifiers. Reports feed lender_stats, where a cell opens once outcomes from 5 distinct other reporters are in it; your own reports never count toward the 5, so no one can isolate another reporter’s outcome. Pass the same reporter_key (or X-AllClear-Key header) each time so your reports count as one reporter.

What a broker needs in a state, by lane (investor real estate, consumer, working capital, SBA, cards): status, the rule, the gate, open counsel questions and sources. Researched: NY, CT, NJ, PA, MA, FL; other states return the general notes. Research notes, not legal advice.