Harvest scorecard
The 2027 cycle closed out in MONEY, not in features. The four fronts the platform built to turn into revenue — Capital (advances), Network (marketplace), Channel (partners/OEM), and Pay-per-outcome — each on a line that states, with NO cosmetics, the REAL amount transacted AND the state of its GATE…
What you find on this screen
A portrait of the screen, read from the screen itself — it changes when the screen changes.
Available actions
Refresh
Form fields
ProvedorParceiro da operação. O placar existe para comparar provedores lado a lado.
SituaçãoSituação da operação. Só o que foi efetivado deve contar no placar.
Valor de faceVolume bruto antecipado com este provedor.
LíquidoDinheiro que entrou de fato no caixa da empresa.
Custo totalQuanto foi pago para antecipar. A diferença entre face e líquido está aqui.
Custo efetivoCusto sobre o valor de face. É a régua para dizer qual provedor é mais caro.
Take rateFatia da operação que fica com a plataforma.
SpreadO que o provedor cobra por cima do custo do dinheiro.
RiscoParcela do custo atribuída ao risco de crédito da carteira antecipada.
Prazo médioDias médios antecipados. Comparar custo sem olhar prazo engana.
TítulosQuantidade de títulos que passou por este provedor.
Ambiente de testeOperação de ensaio. Deixar ligado no placar infla o volume com dinheiro que não existe.
Start here
O que esta tela responde
How much the capital operation moved, at what average rate, how much stayed with the house — and, most importantly, whether the default that happened matches what the model predicted.
What this screen is
The receivables advance scoreboard: advanced volume, net amount released, average rate and effective take-rate — and the number that closes the loop with the score: ACTUAL × PREDICTED DEFAULT. Predicted is the risk premium charged (what the score said it would lose); actual is the face value of the advanced bills that fell due and were not paid. The deviation calibrates the score: did we charge too much risk (pessimistic score) or too little (optimistic)? Read-only.
Rules
Previsto × realizado é o que calibra o score
This pair is the model's grade, not the portfolio's. Actual far above predicted means the score is optimistic and needs recalibration; far below means it is too expensive and the house is turning down good clients. Both errors cost money, in opposite directions.
Só leitura
Nothing here changes operations, rates or bills. To operate, use the Receivables advance screen; to understand a specific client, the credit Score.
Frequently asked questions
Which question this screen answers
How much did I advance, at what cost — and did the risk I charged match the real loss? The scoreboard consolidates advanced volume, net amount released, average rate and effective take-rate, and closes the loop with the number that calibrates the score: actual × predicted default. Predicted is the risk premium charged (what the score said it would lose); actual is the face value of the advanced bills that fell due without payment. Deviation upward means an optimistic score (charged too little risk); downward, pessimistic. Read-only.
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