How to Read The Draft

The Lender Draft doesn’t just track wins and losses. We analyze how franchises compete. Our proprietary metrics—Pace and Impact—reveal a lender’s true strategy. This is your guide to understanding our “Tale of the Tape” and finding the right lender for your deal.

The Core Metrics

Pace Rating (The “Reps” Metric)

What it is: A measure of pure activity.
How it’s built: Total Deals Logged / Number of Weeks Elapsed
What it answers: “How many deals is this franchise actually logging per week?”
User Insight: Use this to find the most active, “on-the-street” lenders who are built for volume.

Impact Rating (The “Slugging %” Metric)

What it is: A measure of deal size and efficiency.
How it’s built: Total Points / Total Deals Logged
What it answers: “When this franchise closes a deal, how big is it?”
User Insight: Use this to find the “Blockbuster Hunters” and Heavyweights who specialize in massive, complex deals.

The Lender Archetype Matrix

A lender’s Archetype is their strategic identity. It is determined by comparing their Pace and Impact Ratings against the current League Average.

1. The Workhorse (High Pace / Low Impact)

Scouting Report: These lenders are the “volume players” of the league. They are constantly closing deals, focusing on the $5M – $50M range. Their win-loss record might be average, but their Pace Rating is elite.
User Insight: This is the first lender a broker or borrower with a standard, bread-and-butter deal should call. They are active, hungry, and their business model is built on repetition.

2. The Heavyweight (Low Pace / High Impact)

Scouting Report: These are the “blockbuster hunters.” They are highly selective and patient. They may only log one or two deals in a six-week period, but those deals will be massive $250M+. They have a low Pace Rating but an exceptional Impact Rating.
User Insight: Do not bring a $15M deal to a Heavyweight. You are wasting your time. This lender is structured for complex, nine-figure-plus “Landmark” deals.

3. The Juggernaut (High Pace / High Impact)

Scouting Report: This is the rarest and most dangerous Archetype. Juggernauts do it all. They close a high volume of deals and they close massive, high-impact deals. They are market-dominant, competing on all fronts.
User Insight: This lender has maximum market penetration and a massive balance sheet. They are a true “one-stop shop” and are likely the most formidable competitors in their division.

4. The Specialist (Low Pace / Low Impact)

Scouting Report: This lender is below average in both activity and deal size. This does not mean they are a “bad” lender. It means their focus is extremely narrow. They may only serve one specific sub-sector or have a very rigid credit box.
User Insight: This lender is inactive unless you have their specific, niche deal. They are not a general-purpose lender. They are a scalpel, not a hammer.