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# 0009 revenue based eligibility thresholds

# Revenue Based eligibility thresholds (MCA / BLOC / SBA)

Status: accepted

Date: 2026-07-09

Locks the Phase 9a gate criteria for MCA and BLOC, and restates the SBA baseline that ADR-0003 keeps until the questionnaire project. These replace the historical defaults in `FUNDING_THRESHOLDS` / `evaluateEstablished` comments (MCA was flat 640 FICO / $15k revenue; SBA/BLOC shared 680 / $20k / 2yr+).

## Decision

| Product  | Credit score                  | Avg monthly revenue    | Time in business | Notes                                                                                                   |
| -------- | ----------------------------- | ---------------------- | ---------------- | ------------------------------------------------------------------------------------------------------- |
| **MCA**  | **600+** (floor)              | **Tiered** — see below | **6 months+**    | Confirmable when qualified.                                                                             |
| **BLOC** | **660+**                      | **\$20,000+**          | **2 years+**     | New real evaluator (ADR-0003). Confirmable when qualified. Not an SBA mirror.                           |
| **SBA**  | **680+** (unchanged baseline) | **\$20,000+**          | **2 years+**     | Baseline Product Decision only; UI is questionnaire Coming Soon; not Confirmable in Phase 9 (ADR-0003). |

### MCA revenue tiers (score-dependent)

| Score band  | Required avg monthly revenue         |
| ----------- | ------------------------------------ |
| **600–639** | **\$50,000+**                        |
| **640+**    | **\$20,000+**                        |
| **\< 600**  | Not eligible (regardless of revenue) |

Revised 2026-07-09 after the initial flat "600+ / \$20k+" proposal — lower-score MCA needs higher revenue to compensate.

Implementation notes for 9a:

* Wire as named thresholds (`FICO_MCA` = 600 floor, `FICO_MCA_STANDARD` = 640 tier break, `MIN_REVENUE_MCA` = $20k for 640+, `MIN_REVENUE_MCA_LOW_SCORE` = $50k for 600–639, plus `FICO_BLOC`, `MIN_REVENUE_BLOC`, `MIN_TIB_BLOC`, etc.) — operator `customValues` overrides may still apply where the resolve-thresholds path already supports MCA/SBA keys; add BLOC + MCA-tier keys symmetrically if overrides exist for the family.
* MCA evaluator logic is **not** a single `(score >= X && revenue >= Y)` — it must branch on the score band before applying the matching revenue floor.
* MCA TIB: keep the existing string-matching posture for "6 months+" buckets unless a separate change redefines the form values.
* BLOC / SBA TIB: continue to treat the canonical form value `"2 years +"` as satisfying "2 years+".
* Bump `RULESET_CODE_VERSION` when these thresholds land in code; golden snapshots will deliberately change for MCA-boundary personas — enumerate in the 9-pre persona delta table / PR description.
* Estimates stay null for MCA/BLOC in Phase 9 (ADR-0008).

## Context

Product supplied BLOC criteria and an MCA threshold update during the Phase 9 grill (2026-07-09), then revised MCA to score-tiered revenue the same day. Coding 9a was blocked on these numbers (roadmap 9-pre / ADR-0003 follow-up).

## Consequences

* `evaluateEstablished` (or successors) must stop treating BLOC as covered by the SBA gate, and must implement MCA as a **tiered** gate (not a flat FICO + revenue pair).
* `fundingCategories.ts` / AI prompt threshold copy that still say MCA 640 / $15k must be updated in the same ruleset bump as the evaluator (including the 600–639 / $50k band).
* Persona delta table must include: score 600–639 with revenue $20k–$49,999 (MCA **declined**), same score with $50k+ (MCA **qualified** if TIB ok); score 640+ with $20k+ (qualified); score \< 600 (declined); plus a BLOC-qualified / SBA-baseline-qualified split case.
* Glossary: CONTEXT.md → "Revenue Based eligibility". System reference: `docs/design/underwriting.md` §3 evaluator row for Established.