Section 1The Score Family
PAIUL doesn't produce one number — it produces a family of them, each answering a different question. The master score rolls them together, but a good advisor reads them individually.
PFS tells you the deal's strength; FPI translates that into fundability; SSR, SRS and ERG tell you where the strength or weakness sits; and CCS tells you who will actually write the check. A strong PFS with a weak CCS means a good deal knocking on the wrong doors — exactly the problem the lender database solves.
Section 2Grades & Decision Bands
Scores map to letter grades (AAA–C) for at-a-glance reading, and to decision bands that drive the recommendation. A grade is the shorthand; the band is the action.
| FPI Range | Meaning | Grade | Typical Decision |
|---|---|---|---|
| 90–100 | Institutional grade | AAA / AA+ | Approve |
| 80–89 | Highly fundable | AA / A | Approve |
| 70–79 | Fundable | BBB | Approve / light conditions |
| 60–69 | Conditional | BB | Conditional |
| 50–59 | Weak | B | Restructure |
| Below 50 | High risk | C | Decline / restructure |
One trap to avoid: a deal can be well-documented (high data confidence) and still weak (low funding probability). Confidence measures how sure we are about the inputs; probability measures how good the deal is. Well-documented proof of a bad deal is still a bad deal — never read one as the other.
Section 3The Deal Improvement Engine™
This is PAIUL's difference in one feature — and the most valuable thing you'll do for a borrower. Traditional underwriting says "declined." PAIUL says "here's your score, here's exactly why, and here's the shortest path to fundable."
When a deal scores below the approval line, the engine doesn't stop. It identifies the changes — ranked by impact and effort — that would raise the Funding Probability, and shows the projected new score for each.
Nobody in the market explains why. A borrower turned down elsewhere with no reason will bring their next three deals to the advisor who handed them a scored roadmap and got them to "yes." This is AI Deal Coaching™ — and it's how a certified advisor becomes indispensable rather than just another broker.
Section 4Explaining a Score
Your job as a certified advisor is translation. The same score gets framed two ways:
To a borrower
"Your deal scores a 67 today — fundable with work. The two things holding it back are leverage and coverage. Bring the loan down six points and lift DSCR to 1.27, and you're at an 82 — firmly fundable, with better pricing. Here's the plan."
To a capital partner
"This is an AA deal, FPI 82, that fits your box: DSCR 1.27, LTV 72%, your preferred asset type and market. Sponsor Strength 88, clean exit readiness. It's pre-scored against your criteria — here's the profile."
Borrowers hear a path. Lenders hear a pre-qualified fit. Both trust the same underlying, explainable numbers — which is only possible because the score is consistent, decomposed, and defensible. That trust is what you're certified to carry.
Knowledge Check
Four questions. Pick an answer to see whether it's right and why.
Key Takeaways
- The score family: PFS (strength), FPI (fundability), SSR / SRS / ERG (where), CCS (who).
- Grades AAA–C and decision bands turn scores into at-a-glance actions.
- Confidence ≠ probability — data quality is not deal quality.
- The Deal Improvement Engine™ turns "declined" into a ranked, scored path to fundable.
- Your edge is translation: a path for borrowers, a pre-qualified fit for lenders — same trusted numbers.