Understand mandate qualification criteria
Before you can share a mandate with lenders, AICA runs a set of qualification checks. All checks must pass — if any fail, the mandate cannot be shared until the issue is resolved.
The qualification checklist
When you create a mandate and are ready to share, AICA evaluates four criteria:
| Check | What it verifies |
|---|---|
| Base data items marked complete | All required base data (company details, financials) has been submitted and marked as complete |
| Only one product group selected | The mandate includes products from only one group — Cashflow Financing, Equity, or All Other Debt Products. You cannot mix product groups in a single mandate. |
| Probability above threshold | The probability score for the selected debt options and lenders meets or exceeds the minimum threshold |
| Company financials 100% updated | The company's financials are fully updated with actual data within the last 90 days |
Qualified vs Not Qualified
- Qualified — All four checks pass. A green Qualified badge appears with checkmarks next to each criterion. You can proceed to share the mandate.
- Not Qualified — One or more checks fail. Failed items show a red indicator. You must resolve them before sharing.
How to resolve failed checks
Base data items incomplete
Go to Data Pending to see what's still outstanding. Ensure all base data requirements are marked as Complete.
Multiple product groups selected
Deselect products until only one group remains. For example, if you've selected both a Cashflow Financing product and an Unsecured Business Loan, remove one group.
Probability below threshold
The product and lender probability on the created mandate is lower than the threshold. Fill out the Edit Profile form with more complete and up-to-date financial information to recalculate probability scores.
Company financials outdated
Update the Borrower Financials section in Edit Profile with the latest actual data. Financials must have been updated within the last 90 days.
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