As of Oct 6, 2027, 17:00 (simulated). Computed from the simulated history; actions you take in the console are kept in your browser and aren't included.
Credit referrals and sign-offs is 69% of manual work so far, with 2 SLA breaches. Next: give analysts sign-off authority for clean files within their limit, and meet the Credit Committee twice a week instead of Mondays only.
71.4%
Share of the 42 applications decided by all three lenders that were approved (with or without conditions).
As of Oct 6, 2027, 17:00 (simulated)
Counts the engine's outcome for every cast applicant at the selected lenders. Applications reach operations on Oct 1, so this doesn't change over time.
85.7%
Share of applicants whose identity and business checks all passed with no person involved.
As of Oct 6, 2027, 17:00 (simulated)
Counts applicants whose simulated KYC/KYB checks are all "pass"; any "needs review" sends the applicant to the Verification queue. Shared across lenders: verification happens once per applicant.
Illustrative: Simulated checks on synthetic data.
Instant
From the application reaching operations to a final decision, in business time.
As of Oct 6, 2027, 17:00 (simulated)
Median over decisions made so far (ones still waiting are counted separately). Instant when the engine's decision needs no person (declines, Kite and Aspen approvals). Otherwise, the time until the Credit referrals and sign-offs item for that decision was completed, from the queue engine.
23 h
From the lender sending the money to it being in the borrower's account, by rail.
As of Oct 6, 2027, 17:00 (simulated)
Median of each funded loan's funding result (initiated → available), by rail. Instant rails wait for payee confirmation when the name is a close match.
Illustrative: Rail timings and the Real-Time Rail are illustrative (RTR simulated — launching in phases).
$417,766
Cash collected by pre-authorized debit, net of payments that came back after settling.
As of Oct 6, 2027, 17:00 (simulated)
From the ledger: settled collections into the settlement account, minus returns taken back out of it after settlement. Returns caught before settlement never reach the settlement account.
2.5%
Share of pre-authorized debits (including retries) that came back unpaid, by return reason.
As of Oct 6, 2027, 17:00 (simulated)
From the simulator's debit attempts resolved by this date: returned ÷ all resolved. Reasons are Payments Canada Standard 007 return codes.
97.8%
Share of scheduled payments collected on the first try.
As of Oct 6, 2027, 17:00 (simulated)
From the simulator's debit attempts: first attempts (not retries) resolved by this date that settled ÷ all first attempts resolved.
66.7%
Share of missed payments that were later brought up to date after recovery.
As of Oct 6, 2027, 17:00 (simulated)
From the simulator's cure records: missed payments by this date that were cured by this date ÷ all missed payments by this date.
0%
Share of the outstanding book that is 30 or more days past due.
As of Oct 6, 2027, 17:00 (simulated)
Days past due come from each loan's status timeline; balances come from its ledger. Charged-off and paid-off loans are out of the book.
$7,500
Balances written off as uncollectable.
As of Oct 6, 2027, 17:00 (simulated)
From the ledger: the sum of every charge-off entry's debit to the credit-loss account. Loss rate is losses ÷ everything disbursed or drawn.
Illustrative: Charge-off at 120 days past due is an illustrative policy.
6.9%
How much of the seasonal operating lines' limits is drawn and not yet repaid.
As of Oct 6, 2027, 17:00 (simulated)
From each line's ledger: principal drawn less principal repaid, ÷ the limit. Only lines drawn over time are included.
Illustrative: Draws keep 1 month's average spending in the account (illustrative operating reserve).
$286.00
Fees borrowers' own banks charged when a debit bounced. Recovery is designed to keep this low.
As of Oct 6, 2027, 17:00 (simulated)
From the simulator's borrower-bank fees: bank accounts follow the $10 cap and the one-fee-per-2-business-days rule; credit union accounts use an illustrative fee.
Illustrative: Credit union NSF fees are provincially regulated; the fee used is illustrative.
1
Work waiting in the operations queues right now, and how old the oldest item is.
As of Oct 6, 2027, 17:00 (simulated)
From the queue engine: items created by this time and not yet completed. Verification and FINTRAC items belong to the applicant, so they count under All lenders only.
3
Items past their service level: still open and overdue, or completed late.
As of Oct 6, 2027, 17:00 (simulated)
From the queue engine's SLA state for each item at this time (business hours, weekdays). Attainment is items completed on time ÷ all completed.
8.2
Average number of queue steps each analyst or lead has finished so far.
As of Oct 6, 2027, 17:00 (simulated)
From the queue engine's schedule: finished steps (work, preparation or review) per person, averaged over the analysts and the lead.
98.5%
Share of ledger and bank-statement lines that matched at the latest month-end.
As of Oct 6, 2027, 17:00 (simulated)
From the reconciliation report at the latest month-end cut-off: matched lines (both sides) ÷ all lines compared. Breaks go to the Reconciliation queue.
$39.03
Operating cost of manual work plus funding fees, spread over the loans funded.
As of Oct 6, 2027, 17:00 (simulated)
Minutes of manual work from the queue engine × an illustrative loaded cost of $65.00 an hour, plus each loan's funding rail fee, ÷ loans funded.
Illustrative: Loaded hourly cost, minutes per item and rail fees are illustrative inputs.