Masterfund — the spec

A client portal for solo business owners who need to find the right financial institution for their current stage and financial situation. Masterfund runs a diagnostic quiz, matches each user to eligible lenders with a plain-language rationale, and keeps the list actionable with a glossary, calculator, and exportable contact data. The goal is to remove the guesswork between "I need funding" and "I know exactly where to apply."

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Decisions locked

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The core loop

1. Diagnose — User completes the stage-and-financial-situation quiz (business age, revenue, credit profile, funding need, sector).
2. Match — The algorithm returns a ranked lender list with a short rationale for each result explaining why the institution fits.
3. Explore — User opens any lender card to read eligibility requirements, key terms, and funding ranges.
4. Calculate — User runs loan or grant figures through the in-portal calculator to pressure-test affordability.
5. Export — User downloads the matched lender contact list as a formatted spreadsheet ready to act on.
6. Alert — When a lender launches a new program that fits the user's saved profile, the portal fires an email or SMS notification.

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v1 scope

Lender-matching algorithm with clear rationale
Scores institutions against the user's diagnostic results and surfaces the top matches in ranked order, each accompanied by a one-paragraph explanation of fit. Lives on the Match Results screen.

Stage + financial situation diagnostic quiz
A structured multi-step form capturing entrepreneurial stage, revenue band, credit profile, funding amount needed, and industry. Feeds every downstream match and eligibility check. Lives on the Onboarding/Quiz screen.

Lender eligibility requirements explainer
Each lender card expands to show minimum criteria, required documents, and disqualifying conditions in plain language — no regulatory jargon. Lives on the Lender Detail screen.

Export matched lender contact list
One-click download of the user's current match set as a CSV or PDF, including lender name, contact details, program name, and funding range. Lives on the Match Results screen.

Funding terms glossary and calculator
A searchable glossary of funding terminology paired with a calculator for estimating repayment, effective rate, or grant coverage. Lives on a persistent Tools panel accessible from any screen.

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Deliberately later

• Saved matches and side-by-side comparison — users need to build familiarity with individual lenders before comparison UI adds value; prioritise discovery first.
• Application deadline tracker with reminders — calendar integration and reminder logic require booking/notification infrastructure best layered on once the match data is stable and trusted.
• Peer reviews and funding outcome stories — community content needs a critical mass of users to be credible; recruit that mass with the core utility first.

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Data model sketch

• users — id, name, email, phone, created\_at, subscription\_status
• diagnostic_profiles — id, user\_id, business\_stage, revenue\_band, credit\_band, funding\_amount, industry, updated\_at
• lenders — id, name, institution\_type, min\_revenue, min\_credit, max\_funding, sectors\_served, contact\_email, contact\_phone
• lender_programs — id, lender\_id, program\_name, funding\_type, launch\_date, deadline, eligibility\_notes, active
• matches — id, user\_id, lender\_id, score, rationale\_text, generated\_at
• bookmarks — id, user\_id, lender\_id, created\_at
• alerts — id, user\_id, lender\_program\_id, channel (email/SMS), sent\_at
• exports — id, user\_id, format (CSV/PDF), match\_snapshot, created\_at

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Screens

• Onboarding / Quiz — captures the diagnostic data that drives every match.
• Dashboard — shows match summary, recent alerts, and quick access to saved lenders.
• Match Results — ranked lender list with rationale snippets and export control.
• Lender Detail — full eligibility requirements, program details, and contact information for one institution.
• Tools (Glossary + Calculator) — persistent panel for term lookup and funding calculations.
• Profile & Settings — manages account details, notification preferences, and re-running the diagnostic.

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How to use this document

• Bring it into Mind Palace, where the guided platform and its AI coach pick up from exactly this document and build the portal with you step by step.
• Hand it to a developer as the complete v1 brief — scope, data model, and screen list are all here.
• Keep it as the single source of truth while you build, so every feature decision traces back to a locked choice on this page.