About the Founder
M. Ashfaq
M.Phil Economics · Economist & Digital Product Developer
M. Ashfaq is an Economist and Digital Product Developer specializing in automated financial intelligence. Holding an M.Phil in Economics with a focus in South Asian Agriculture R&D Expenditures, he combines a rigorous understanding of US monetary policy and credit markets with hands-on AI engineering.
After observing the disconnect between rising US interest rates and the survival rates of small businesses — and recognizing that the Federal Reserve's own data is publicly available but rarely accessible — he built the US Business Funding Climate Score to change that.
The goal is straightforward: give a Main Street retailer or owner-operator trucker the same data-driven picture of credit conditions that large corporations pay millions for, delivered free, every single day.
Our Mission
“To bridge the gap between complex macroeconomic data and the daily reality of US small business owners — so that a local retailer, trucking operator, or staffing agency owner can understand whether today is a good day to seek funding, without needing a finance degree.”
How We Build It
Federal Reserve Data (FRED)
Every score is built exclusively on public data from the St. Louis Federal Reserve Economic Database — the same source used by professional economists and Fed researchers. No proprietary data, no guesswork.
Agentic AI Analysis
We use a proprietary multi-agent AI pipeline (CrewAI + Groq) to analyze six real-time economic indicators and synthesize them into a single, actionable 0–100 score with plain-English explanations.
Economist-Validated Methodology
The scoring algorithm was designed by a trained economist — not a programmer guessing at weights. Each indicator's contribution reflects established monetary transmission theory. See our Methodology page for the exact formula.
Daily Frequency
Traditional lending analysis is quarterly or monthly. Ours runs every morning, giving small business owners a current picture, not a three-month-old one.
Education & Credentials
M.Phil in Economics
Specialization: South Asian Agriculture R&D Expenditures
Bachelor of Commerce (B.Com)
For media inquiries, data partnerships, or corrections:
ashfaqahmed1192@gmail.com