No. The system prompt forbids any pre-approval language, any APR or factor-rate quotes, and any specific funding amounts. Pre-approving a business borrower without underwriting is exactly the failure mode the CFPB and state regulators care about under ECOA and UDAAP. Every credit decision routes to a human underwriter, and the bot's framing always makes clear that the underwriter, not the bot, makes the decision.

Yes. Publish your minimum time in business, minimum monthly revenue, minimum credit score, and any industry exclusions on a dedicated page, and SleekAI reads them through the data-source wizard. The bot uses those floors to set realistic expectations early and to flag obvious mismatches (e.g., a brand-new business asking for working capital when you require two years TIB) so the underwriter is not surprised.

The system prompt is configured to avoid any language that could be read as discouraging an applicant on a prohibited basis. The bot does not ask demographic questions outside the documented intake flow, does not steer borrowers between products based on protected characteristics, and routes any ambiguous case to a human. Compliance should review the prompt against the firm's existing ECOA policy before launch; that review is fast because the perimeter is the prompt.

Yes, and well. This is the single most common question on small business lender sites. The bot frames revolving vs fixed, one-time vs ongoing, fixed repayment vs draw and repay, in plain language pulled from your own product pages. It does not pick a winner for the specific borrower; that judgement routes to the underwriter once the file is in front of them.

Carefully. MCA and factoring serve real needs (fast funding, no fixed term, A/R-backed) but are also the products regulators watch most closely for disclosure failures. The bot describes them in factual, non-promotional terms, surfaces the products only when the borrower asks or when conventional financing clearly does not fit the profile, and routes the entire pricing conversation to the human team. Promotional MCA copy in a chatbot is a fast way to attract regulator attention.

Yes. Run a working-capital bot on /working-capital, an SBA bot on /sba, an equipment-finance bot on /equipment, and an A/R financing bot on /factoring, each with its own system prompt and knowledge sources. Multibot and 28+ display conditions handle the routing. Keeping prompts tight per product line is the practical way to keep framing consistent with what each page actually offers.

Yes. Every conversation stores in WordPress with timestamp, page URL, model name, and token count. CSV export is available for state regulator requests. Most lenders archive transcripts to their compliance system on a recurring webhook so the conversation log lives in the same evidence trail as email and advertising. The data never leaves your hosting except to call your own API key, which simplifies the data-protection picture.

Claude Sonnet and GPT-4o both follow strict 'no pre-approval, no pricing' system prompts reliably and handle product distinctions (term, line, equipment, SBA, MCA, factoring) without collapsing them. Smaller models drift into approval-shaped language under pressure, which is the exact failure mode an ECOA-careful lender cannot afford. Bring your own key for OpenAI, Anthropic, Google, or OpenRouter.