$148M+personally driven in funding
SCL was built by the operator who's personally driven $148M+ in funding — and recruited and kept producers in an industry that washes out 80–90% of reps.
// The inbox
Your originators don't decide what to say. SCL writes what closes.
Every one of these is a real message pattern from a live SCL deal — the AI drafted it, the rep sent it.
SCL · SMS Inbox
Conversations
Cadence Fitness Studiosending as Marcus
I can't fund the term loan by tomorrow. What I can do is set you up with a bridge on better terms — then roll that balance into the term loan we fund together.
Marcus · 2:10 PMIs the bridge required? Can I just proceed with the term loan?
Merchant · 2:41 PMI hear you — the bridge isn't required. We can move forward with just the term loan, but it'll take 4–5 weeks to fund. If you need to cover tomorrow's $29k payment, the bridge is the only way to do that while we work the term. Your call on timing.
AI-drafted· Marcus · 2:44 PMOk, let's do the bridge. Done.
Merchant · 5:52 PMAI Suggestion · Best
I hear you — the bridge isn't required. We can move forward with just the term loan, but it'll take 4–5 weeks to fund. If you need to cover tomorrow's $29k payment, the bridge is the only way to do that while we work the term. Your call on timing.
✓ SentOne click sent this — no retyping, no re-reading the thread.
CLOSED on this AI suggestion — $30,000 funded, same day.
Illustrative — real message patterns from live SCL deals · merchant names fictional · dollars real.
// The problem
Reps wash out before they earn. And the floor only produces when you're standing on it.
I spent years watching it: a green rep quits before their first funded deal, and the closers who stay let funded-ready deals die on a missed follow-up. I could never see where the money was leaking until it was already gone. No CRM I tried was built for a high-velocity lending floor — so I built the one that is.
What it costs you — right now
$0.00Mleaking across the floor — replied-and-dropped, stalled, gone cold. Most shops never see it until it's already gone.
Where it's going — and why
Replied, never worked$1.81Manswered your rep — then got no follow-up
Stalled in submitted$1.25Msitting 6+ days with no next move
Hot leads gone cold$636Khigh-intent, idle over 24 hours
On my own floors, most new reps washed out before their first funded deal — and the ones who stayed let funded-ready deals die on a missed follow-up. The money was always there. You just couldn't see it leaving. SCL names every leaking dollar — by rep, by reason — the morning it happens, not the month after.
Live demo · illustrative figures · fictional names.
// Built by an operator. Refined on the floor.
I built the platform I wanted to use every day.
After originating and managing over $148M+ in funding, I wasn't looking for another CRM.
I built the system my own team relies on to prioritize deals, coach reps, and surface revenue before it slips away.
Today, SCL powers the same workflows we use to fund real businesses every day.
I didn't need another CRM. I needed my floor to run without me. Now it can run yours.
Jonathan Baker
Founder & CEO
$148M+
originated
Teams
built & managed
Real floor
experience
// Real money, real floor
Proof, not promises.
$3.8Mfunded straight off a text
19 deals, from a $30k same-day rescue to a $3M close — every dollar time-boxed to since-launch, every deal closed over SMS.
+ $1.9M In underwriting · not yet funded
Live deals moving through lenders right now.
On 3 of those deals, the AI wrote the exact message that closed it — $170k.
SCL costs less than one funded deal a month.
Here's how it pays for itself on your floor — day one, on the deals you already have:
60 days. If it's not working for your floor, walk — no questions, no penalty.
Catches money before it leaks
Stalled deals, idle merchants, reps sitting on funded-ready files you can't see.
Works the book you already own
Renewals and re-ups from funded merchants. Revenue with no new lead cost.
Ramps green reps — and keeps them
The playbook, the next move, the words, from day one.
Sends what actually closes
Real winning messages, learned from your floor's own funded deals.
Figures are SCL-attributed and time-boxed to since-launch; "in underwriting" is not yet funded.
// Time to value
You're in command on day one — and it only gets smarter.
Without SCL, you find out a deal leaked weeks too late — once a competitor has funded your client. SCL flips it: real value the first day, and it gets sharper every week as it learns your floor. Here's exactly what happens.
Day 1You can finally see everything
- Import your book — by your first morning, see exactly where every rep and every deal stands.
- Reps start with the co-pilot: who to call, what to say.
- Auto follow-ups go on every deal — so nothing dies on a missed touch.
- Goals set from your real funded history, not a guess.
Your floor · live✓ Imported
5 reps248 deals$12M pipeline
JC$2.46M
MR$1.72M
AN$1.31M
DP$1.01M
Day 2–7The whole floor runs on it
- Every call, text, and note becomes a deal — the rep drops the note, SCL builds it.
- Lender offers pulled from email into the pipeline; reps coached in the moment.
- The first leaks surface — who's sitting on money, and why.
Live activity · all 5 reps
Riverton Foods → Submitted2m
Bishop Wholesale approved · $300K5m
Vertex Medical new reply · hot8m
Summit Freight funded · $350K12m
First 30 daysIt learns your floor
- SCL studies what actually funds for your team and sharpens every suggestion.
- At-risk and next-best-move tune to your reps and your lenders.
- Renewal and more-money follow-ups start working your funded book.
Suggestion accuracy↑ +26%
Week 1 · 62%Week 4 · 88%
Learned from your deals: opening with the payment closes more — SCL nudges reps that way.
First 60 daysBuilt to run with less of you
- Designed to keep producing even on the days you're not standing on the floor.
- New reps who'd have washed out are funding.
- Every lead who went quiet — ghosted, gone silent — gets worked automatically. Zero new spend.
Re-engage · automatic✓ Running
Already warm — just gone quiet:
Ghosted after email62
Went silent after replying24
✓Opted-out & DNC already excluded
86 warm leads, reopened automatically — zero new spend.
Live demo · illustrative figures · fictional names.
Moving forwardIt only gets smarter
- Every deal teaches it — it re-learns from the misses and doubles down on what wins.
- The longer you run it, the more it's worth. It compounds; it doesn't depreciate.
Funded · compounding↑ every month
Mo 1Mo 3Mo 6Mo 12
It compounds — it doesn't depreciate.
Recover a single stalled deal and SCL has already paid for itself.
// Compliance
Nothing goes out that shouldn't — automatically.
Every message SCL sends is checked against who can legally be contacted and what can legally be said to them, before it ever leaves the queue.
SUPPRESSION · AUTOMATIC
12,213leads permanently suppressed the moment they said stop
STOP, CANCEL, UNSUBSCRIBE, DNC — every keyword, every channel, enforced instantly. Quiet hours the same way. Nothing gets a re-send.
Real count, live SCL book — not a demo figure.
CALIFORNIA · LIABILITY GUARDRAIL
One off-the-cuff rate quote to a California number is real exposure. SCL flags every CA number automatically — no rep has to remember. The AI won't propose a rate in text to one:
Suggested reply⚠ Blocked
“You'd be looking at about 8.5% APR on that...”
→ Redirected to your disclosure process instead
Mechanic shown is live · example message is illustrative.
// The Co-Pilot
The math, the offer, the next move — already worked out before your rep opens the deal.
No calculator. No stale offer sold as fresh. No hunting for what to work next. The co-pilot rides every deal — in the Chrome extension and the inbox — and hands it to your rep already done.
Loan Calculatorin the extension
Rep types the deal — the co-pilot returns every term option at once.
SCL · Loan Calculator
Loan Amount
$100,000
Rate % (APR)
9.5
5 YR
$2,100.19/mo
total $126,011 · interest $26,011
10 YR
$1,293.98/mo
total $155,277 · interest $55,277
25 YR
$873.70/mo
total $262,109 · interest $162,109
30 YR
$840.85/mo
total $302,708 · interest $202,708
Standard amortization, live as you type. MCA factor offers are handled separately, in the extractor.
Every term quoted at once — no separate math for SBA, HELOC, CRE, or Bridge.
Stale Offer Guardnever sold as fresh
An offer sitting for weeks doesn't get pitched as ready — the co-pilot catches it first.
SCL · Deal Panel · Pinecrest Roofing
Offer on file74 days old
$120,000 at 1.31 — Meridian Capital
Co-pilot won't suggest
“Your offer's ready — let's get this signed.”
“That offer's from about 10 weeks back — let's get fresh statements before anything moves.”
Stale offers get reconfirmed — never re-sold as news.
Do-Now Tasksthe rep's prioritized queue
Not a to-do list — the next four moves, ranked, with the why on every row.
Do Now · 4 actionsLive
01
Cedar Ridge Builders$310K
replied · no follow-up sent
CallText
02
Bluewater Marine Supply$185K
offer approved · not sent
CallText
03
Summit Auto Group$120K
docs idle 2 days
CallText
04
Lakeview Dental Partners$95K
renewal window opens today
CallText
Ranked by money at stake — worked top to bottom.
Push to Repstalled deal → back in play
A $140K deal was about to go cold. It's back in the right rep's queue — before it's gone.
SCL · J. Cole · Co-Pilot
Flagged — act nowLanded just now
Chase Harbor Line docs — $140k idle
Reassigned from a stalled queue — straight into yours.
CallText
The hand-off lands in seconds — no Slack, no sticky notes.
Illustrative product surfaces · fictional merchants, lenders, and figures.
// What it does
One system of action — from the first reply to the funded deal.
The SMS inbox, the offer extractor, the pipeline, the command center — the actual product your floor runs on. Not a feature list.
1First replySCL drafts the reply
2QualifiedSCL captures the facts
3SubmittedSCL flags the stall
4ApprovedSCL reads the lender's offer
↻ keeps working the book5FundedSCL sets the re-up follow-ups
Your reps already run this funnel. SCL doesn't run it for them — it does the admin around every step: drafts the message, structures the deal, flags the stalls, reads the lender's offer. The rep owns the close; SCL just gets them there faster.
↻ The highest-ROI pipeline you already own
A funded merchant isn't the finish line — it's back on the clock.
The moment a deal funds, SCL auto-sets the renewal check-in and the more-money follow-up — so the merchant you just won re-ups with you instead of the next broker who calls. Renewals and additional capital close at a far higher rate than cold leads, at zero lead cost. Most shops fund the deal and forget the merchant. SCL works the book you already built.
// Email & cold calls
The offer reads itself into the pipeline.
Right inside Gmail, the SCL extension reads the lender's multi-tier offer, checks it, and adds the deal in one click — no re-keying. And it captures every cold-call note and text, so the work your floor already does becomes the system of record.
mail.google.com/mail/u/0
≡Gmail
✎ Compose
Inbox5
Starred
Sent
Drafts
ACE Offer — Approved · 3 tiers
SCSummit Capital <underwriting@summitcap.com> · to me
ACE Offer
Accelerated Checkout Eligible
Nelson Enterprise Technology Services LLC has an offer from Summit Capital.
18 mos$350,000Buy 1.39ACE
15 mos$303,200Buy 1.31ACE
12 mos$259,000Buy 1.24ACE
Requirements to fund: signed agreement · valid photo ID · voided check.
⚡SCLEmailSMS
Extract an offer from this thread:
▾ underwriting@summitcap.com
Summit Capital · 3 tiers✓ Looks clean
$350,000BEST
18 mos · buy 1.39
$303,200
15 mos · buy 1.31
$259,000
12 mos · buy 1.24
The differentiator — captured automatically
Every cold call and text becomes a deal.
Your floor's real selling happens on the phone and over text — where every other CRM is blind. SCL reads all of it and builds the deal for you, with the next move already set.
📞Cold call · 4:12 PM
“Owner wants ~$250k, has 2 open positions, renewals hit in August.”
SCL →Deal updated · MCA · $250k · 2 stacked · follow-up Aug 1
💬SMS · 4:31 PM
“send me the docs, I'll sign tonight”
SCL →Intent: High · Stage → Closing · 9 AM check-in if unsigned
Live demo · illustrative figures · fictional names.
// What you see when you log in
Everything that matters — in the first sixty seconds.
What an operator opens every morning: who's producing, where money is leaking and why, the five deals to work right now, and whether the floor is on pace. One glance, then go.
Are we on pacemonthly · quarterly · year-to-date
81%To goal
This month · funded
$0.00M
of $3.5M goal — on pace
This quarter · funded
$0.0M
of $10M · 79%
Year to date · funded
$0.0M
↑ +18% vs last year
Top performersranked by funded $
1CJ. Carter$2.46M
88% to goal
2RM. Reynolds$1.72M
74% to goal
3NA. Nguyen$1.31M
61% to goal
4PD. Patel$1.01M
49% to goal
5WT. Wilson$0.87M
41% to goal
Where the money's leaking$4.98M at risk · who & why
$4.98M36 overdue · 14 with no next action · 41 stalled deals
KResolve
R. Kensington$1.81M
7 deals replied — no follow-up sent
BResolve
D. Blackwell$1.25M
10 stalled in Submitted 6+ days
AResolve
S. Alvarez$636K
4 hot leads idle over 24h
LResolve
M. Lawson$408K
6 approved offers never sent
Top 5 to work nowranked by deal score · why it's #1
01
GTC Worldwide LLC$240K
MCA · Approved
↳ Offer approved 2d ago — not yet sent
CallTextEmail
02
David Smith Mfg$185K
MCA · Approved
↳ Texted “send docs” 3h ago — no reply back
CallTextEmail
03
Cedar Ridge Builders$310K
MCA · Submitted
↳ Underwriter needs 1 doc — 1 day idle
CallTextEmail
04
J-Sim Electric Inc$95K
MCA · Approved
↳ Renewal window closes Friday
CallTextEmail
05
Coastal Freight Co$150K
LOC · Approved
↳ Hot reply 1h ago — strike now
CallTextEmail
Live activityacross the floor
Riverton Foods moved to Submittednow
Bishop Wholesale approved · $300K2m
Summit Freight funded · $350K5m
Vertex Medical new reply · hot8m
Atlas Logistics docs received11m
Live demo · illustrative figures · fictional names.
// The pipeline
Your floor doesn't run one way. Neither does SCL.
Veteran originators think in spreadsheets. Newer reps think in boards. SCL renders the same live pipeline as whichever one gets your rep moving — so nobody's rebuilding a tracker in Excel on the side.
My PipelineTeam PipelineAll Deals
Simple⚡ Execution
However your floor works — cards or rows — it's the same live data, one click from a follow-up blast.
Team pipeline
85%To goal
$12.0M
85% on pace to monthly funding goal
Funded MTD $2.84M
Reps · pace to goal
Working196
52 hotEmail all 196 →
Cedar LogisticsOVERDUE
MCA
Needs revenue · check SBA
Harbor Dental Grp
SBA
Make first contact
Qualified56
32 hot
Vertex MedicalHOT
MCA$120k/mo
Stay in touch
Lakeside DrywallOVERDUE
LOC$80k/mo
Call Monday
Submitted40
$14.0M · in review
Riverton Foods
SBA$350k
In underwriting
Atlas Auto Body
MCA$100k
Awaiting docs
Approved52
$11.1M · offers out
Bishop WholesaleHOT
MCA$300k
Offer out
Crown HVAC
HELOC$119k
Needs attention
Committed12
$1.16M · funding
Delta Print Co
MCA$230k
Docs outPacific Diesel
MCA$185k
Docs SignedSummit Freight
SBA$350k
In fundingLive demo · illustrative figures · fictional names.
// Why SCL
Not a CRM. A system of action.
A CRM is a filing cabinet your originators have to feed. SCL is the opposite — it reads the work, decides the next move, and puts it in front of the originator. The system does the admin, so the originator can do the one thing that pays: close.
// The edge is already here
The floors pulling ahead already run SCL.
The goal: every conversation worked. Every leak caught. Every funded deal put back to work — automatically.
The shops winning right now aren't working harder. They stopped guessing. In this market, the only question left is why you wouldn't.