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MCA, SBA, and BLOC are independent Product Decisions

Status: accepted Date: 2026-07-09 Phase 9 of the underwriting roadmap introduces a Per-Product Decision Model: every Underwriting Decision carries a Product Decision for each Funding Product. This ADR locks the first open design question — whether MCA / SBA / BLOC stay collapsed or split at the decision layer.

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Decision

Split all three. mca, sba, and bloc are each their own Funding Product and each receive their own Product Decision on every run. The five-product set is: card_stacking | term_loan | mca | sba | bloc This reverses the 2026-04-23 variant-(A) call at the decision layer only. The workflow/UX layer may still group the three under one Established tab / established_funding primary with an establishedSubVariant chosen at approval — that grouping is presentation, not authority.

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Context

Today evaluateEstablished returns two booleans (mcaEligible, sbaEligible). The SBA gate silently covers BLOC (comment in establishedUnderwriting.ts: “SBA/BLOC: 680+…”). Operators cannot see “MCA qualified, SBA declined, BLOC not evaluated” as three verdicts; coaching, CRM badges, and overrides inherit that blind spot. Locked decision #5 (cross-track non-exclusivity) already requires that a decline on one product must not erase another. Collapsing three Established products into one Product Decision would re-create the same erasure inside the Established family.

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Considered options

  • A — Split all three (accepted): five equal Product Decisions. UX may still group Established.
  • B — Keep one established Product Decision: cards + TL independent; Established stays collapsed with sub-variant flags inside. Rejected — operators need per-product reasons and overrides; collapsing re-hides MCA-vs-SBA-vs-BLOC disagreement.
  • C — Split MCA vs SBA; leave BLOC as an alias on SBA: deferred the BLOC question into Decision 2. Rejected for Decision 1 because the product set must be stable before the BLOC evaluator strategy is chosen; aliasing BLOC would bake a non-product into the taxonomy.

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Consequences

  • products[] on an Underwriting Decision is always length 5; a declined or unevaluated product is a row with reasons, never an absence.
  • evaluateEstablished (or its Phase 9 successors) must emit per-product statuses for MCA, SBA, and BLOC — not a single Established boolean pair.
  • Workflow locked decision #4 (one established_funding primary + sub-variant at approval) remains valid as UX/sequencing. It no longer describes the decision-layer shape.
  • Glossary: CONTEXT.md → “Funding product”, “Product Decision”. System reference: docs/design/underwriting.md §7.
  • Open follow-ups: BLOC evaluator + SBA questionnaire gate → ADR-0003 (accepted). Still open: credit-repair reason attachment, parked-as-derived, override symmetry for all five products.