{ "standard": "lending-deal-package-readiness", "vectors_version": "0.9.0", "note": "Published conformance test vectors - run these against YOUR validator. Assert on 'error_code' (the stable machine identifier, spec 8a); 'error_contains' is legacy prose kept for 0.x compatibility and may be reworded in any release. Generated from the reference validator's self-check battery; validate.run_vectors() re-runs them in CI so the file can never drift from the rules.", "vectors": [ { "id": "valid-oven-ready", "kind": "pack", "description": "The flagship pack: oven-ready, L2, attested.", "expect": "valid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } } }, { "id": "valid-repeating-groups", "kind": "pack", "description": "Two guarantor instances with per-instance provenance; instance-qualified missing[].", "expect": "valid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "sections": { "business_identity": { "company_name": { "value": "Two Guarantor Trading Ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } } }, "the_ask": { "amount": { "value": 250000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "Working capital", "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true to the best of my knowledge.", "provenance": { "kind": "self-declared" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "guarantor_id": { "value": "doc-101", "provenance": { "kind": "document", "checked": true } } }, "guarantor:2": { "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "B. Director", "provenance": { "kind": "self-declared" } }, "guarantor_id": { "value": null, "provenance": { "kind": "not_collected", "label": "Photo ID (second guarantor)" } } } }, "readiness": { "status": "gaps-remaining", "attested": false, "conformance_level": "L1-declared", "missing": [ "financials.statutory_accounts", "banking.bank_statements", "guarantor:2.guarantor_id" ] } } }, { "id": "invented-field", "kind": "pack", "description": "Unknown field without x_ prefix.", "expect": "invalid", "error_contains": "not in catalogue", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } }, "not_a_real_field": { "value": 1, "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "field.unknown" }, { "id": "oven-ready-with-missing", "kind": "pack", "description": "oven-ready with a non-empty missing list.", "expect": "invalid", "error_contains": "missing == []", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [ "business_identity.lei" ] } }, "error_code": "readiness.oven_ready_with_gaps" }, { "id": "entity-gate", "kind": "pack", "description": "sole_trader claiming readiness — perimeter control.", "expect": "invalid", "error_contains": "entity gate", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "sole_trader", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "entity_gate.non_corporate" }, { "id": "wrong-verify-source", "kind": "pack", "description": "Verified against a source the catalogue doesn't name.", "expect": "invalid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "somewhere_else", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. 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Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "provenance.tag_incompatible" }, { "id": "hidden-required-gap", "kind": "pack", "description": "Required field null and not listed in missing[].", "expect": "invalid", "error_contains": "not provided", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": null, "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. 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Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. 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Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "section.not_repeatable" }, { "id": "zero-padded-instance", "kind": "pack", "description": "Leading-zero instance suffix (alias).", "expect": "invalid", "error_contains": "bad instance suffix", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } }, "guarantor:02": { "guarantor_name": { "value": "Z", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "section.bad_instance" }, { "id": "orphan-instance", "kind": "pack", "description": "Instance without the bare first instance.", "expect": "invalid", "error_contains": "bare first instance", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } }, "guarantor:2": { "guarantor_name": { "value": "Z", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "section.instance_without_first" }, { "id": "phantom-missing-instance", "kind": "pack", "description": "missing[] citing an absent instance.", "expect": "invalid", "error_contains": "not present in the pack", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "gaps-remaining", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [ "guarantor:9.guarantor_id" ] } }, "error_code": "readiness.missing_absent_instance" }, { "id": "datatype-monetary", "kind": "pack", "description": "String in a monetary_amount field.", "expect": "invalid", "error_contains": "expected a number", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": "banana", "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "field.datatype" }, { "id": "ratio-convention", "kind": "pack", "description": "Ratio out of [0,1] — 0.7, never 70.", "expect": "invalid", "error_contains": "decimal fraction", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } }, "shareholding_percent": { "value": 2500, "provenance": { "kind": "self-declared" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_code": "field.datatype" }, { "id": "disposition-unknown-field", "kind": "disposition", "description": "info_requested citing a field not in the catalogue.", "expect": "invalid", "error_contains": "unknown field", "document": { "standard": "lending-deal-package-readiness/disposition", "disposition_version": "0.2.0", "pack_ref": "sha256:0000000000000000000000000000000000000000000000000000000000000000", "status": "info_requested", "timestamp": "2026-07-19T09:00:00Z", "info_requested": { "field_ids": [ "financials.not_a_field" ] } }, "error_code": "disposition.requested_unknown_field" }, { "id": "disposition-bad-reason", "kind": "disposition", "description": "Decline with an unlisted reason code.", "expect": "invalid", "error_contains": "decline_reason", "document": { "standard": "lending-deal-package-readiness/disposition", "disposition_version": "0.2.0", "pack_ref": "sha256:0000000000000000000000000000000000000000000000000000000000000000", "status": "declined", "timestamp": "2026-07-19T09:00:00Z", "declined": { "reason_code": "vibes" } }, "error_code": "disposition.bad_reason_code" }, { "id": "valid-sharia-murabaha", "kind": "pack", "description": "Opt-in sharia overlay: murabaha at S2 — structure evidence + sequence + charity clause.", "expect": "valid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "sections": { "business_identity": { "company_name": { "value": "Halal Equipment Trading Ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "sic_codes": { "value": [ "70229" ], "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } } }, "the_ask": { "amount": { "value": 44000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "Equipment purchase via murabaha", "provenance": { "kind": "self-declared" } }, "finance_basis": { "value": "sharia_compliant", "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true to the best of my knowledge.", "provenance": { "kind": "self-declared" } } }, "sharia_compliance": { "sharia_structure": { "value": "murabaha", "provenance": { "kind": "self-declared" } }, "claimed_level": { "value": "S2-structure-evidenced", "provenance": { "kind": "self-declared" } }, "late_payment_charity_clause": { "value": "doc-201", "provenance": { "kind": "document", "checked": true } }, "disclosed_cost": { "value": 40000, "provenance": { "kind": "self-declared" } }, "disclosed_markup": { "value": 4000, "provenance": { "kind": "self-declared" } }, "ownership_transfer_date": { "value": "2026-07-01", "provenance": { "kind": "self-declared" } }, "sale_contract_date": { "value": "2026-07-03", "provenance": { "kind": "self-declared" } }, "ownership_transfer_evidence": { "value": "doc-202", "provenance": { "kind": "document", "checked": true } }, "sale_contract": { "value": "doc-203", "provenance": { "kind": "document", "checked": true } } } }, "readiness": { "status": "gaps-remaining", "attested": false, "conformance_level": "L1-declared", "missing": [ "financials.statutory_accounts", "banking.bank_statements" ] } } }, { "id": "sharia-sector-gate", "kind": "pack", "description": "Excluded sector (gambling SIC) with finance_basis sharia_compliant.", "expect": "invalid", "error_contains": "sector gate", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "sections": { "business_identity": { "company_name": { "value": "Halal Equipment Trading Ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "sic_codes": { "value": [ "92000" ], "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } } }, "the_ask": { "amount": { "value": 44000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "Equipment purchase via murabaha", "provenance": { "kind": "self-declared" } }, "finance_basis": { "value": "sharia_compliant", "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true to the best of my knowledge.", "provenance": { "kind": "self-declared" } } }, "sharia_compliance": { "sharia_structure": { "value": "murabaha", "provenance": { "kind": "self-declared" } }, "claimed_level": { "value": "S2-structure-evidenced", "provenance": { "kind": "self-declared" } }, "late_payment_charity_clause": { "value": "doc-201", "provenance": { "kind": "document", "checked": true } }, "disclosed_cost": { "value": 40000, "provenance": { "kind": "self-declared" } }, "disclosed_markup": { "value": 4000, "provenance": { "kind": "self-declared" } }, "ownership_transfer_date": { "value": "2026-07-01", "provenance": { "kind": "self-declared" } }, "sale_contract_date": { "value": "2026-07-03", "provenance": { "kind": "self-declared" } }, "ownership_transfer_evidence": { "value": "doc-202", "provenance": { "kind": "document", "checked": true } }, "sale_contract": { "value": "doc-203", "provenance": { "kind": "document", "checked": true } } } }, "readiness": { "status": "gaps-remaining", "attested": false, "conformance_level": "L1-declared", "missing": [ "financials.statutory_accounts", "banking.bank_statements" ] } }, "error_code": "sharia.excluded_sector" }, { "id": "sharia-sequence", "kind": "pack", "description": "Onward sale dated before the funder's ownership — the murabaha sequence rule.", "expect": "invalid", "error_contains": "must own before it sells", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "sections": { "business_identity": { "company_name": { "value": "Halal Equipment Trading Ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "sic_codes": { "value": [ "70229" ], "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } } }, "the_ask": { "amount": { "value": 44000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "Equipment purchase via murabaha", "provenance": { "kind": "self-declared" } }, "finance_basis": { "value": "sharia_compliant", "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true to the best of my knowledge.", "provenance": { "kind": "self-declared" } } }, "sharia_compliance": { "sharia_structure": { "value": "murabaha", "provenance": { "kind": "self-declared" } }, "claimed_level": { "value": "S2-structure-evidenced", "provenance": { "kind": "self-declared" } }, "late_payment_charity_clause": { "value": "doc-201", "provenance": { "kind": "document", "checked": true } }, "disclosed_cost": { "value": 40000, "provenance": { "kind": "self-declared" } }, "disclosed_markup": { "value": 4000, "provenance": { "kind": "self-declared" } }, "ownership_transfer_date": { "value": "2026-07-01", "provenance": { "kind": "self-declared" } }, "sale_contract_date": { "value": "2026-06-01", "provenance": { "kind": "self-declared" } }, "ownership_transfer_evidence": { "value": "doc-202", "provenance": { "kind": "document", "checked": true } }, "sale_contract": { "value": "doc-203", "provenance": { "kind": "document", "checked": true } } } }, "readiness": { "status": "gaps-remaining", "attested": false, "conformance_level": "L1-declared", "missing": [ "financials.statutory_accounts", "banking.bank_statements" ] } }, "error_code": "sharia.bad_sequence" }, { "id": "sharia-musharaka-unevidenced", "kind": "pack", "description": "A partnership structure claiming S2 without the partnership agreement / capital / profit-share evidence.", "expect": "invalid", "error_contains": "structure evidence", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "sections": { "business_identity": { "company_name": { "value": "Halal Equipment Trading Ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } }, "sic_codes": { "value": [ "70229" ], "provenance": { "kind": "verified", "source": "companies_house", "via": "api", "date": "2026-07-10" } } }, "the_ask": { "amount": { "value": 44000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "Equipment purchase via murabaha", "provenance": { "kind": "self-declared" } }, "finance_basis": { "value": "sharia_compliant", "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true to the best of my knowledge.", "provenance": { "kind": "self-declared" } } }, "sharia_compliance": { "sharia_structure": { "value": "musharaka", "provenance": { "kind": "self-declared" } }, "claimed_level": { "value": "S2-structure-evidenced", "provenance": { "kind": "self-declared" } }, "late_payment_charity_clause": { "value": "doc-201", "provenance": { "kind": "document", "checked": true } }, "disclosed_cost": { "value": 40000, "provenance": { "kind": "self-declared" } }, "disclosed_markup": { "value": 4000, "provenance": { "kind": "self-declared" } }, "ownership_transfer_date": { "value": "2026-07-01", "provenance": { "kind": "self-declared" } }, "sale_contract_date": { "value": "2026-07-03", "provenance": { "kind": "self-declared" } }, "ownership_transfer_evidence": { "value": "doc-202", "provenance": { "kind": "document", "checked": true } }, "sale_contract": { "value": "doc-203", "provenance": { "kind": "document", "checked": true } } } }, "readiness": { "status": "gaps-remaining", "attested": false, "conformance_level": "L1-declared", "missing": [ "financials.statutory_accounts", "banking.bank_statements" ] } }, "error_code": "sharia.missing_structure_evidence" }, { "id": "sec-not-collected-with-value", "kind": "pack", "description": "IR1: provenance kind not_collected with a non-null value is rejected (readiness forgery).", "expect": "invalid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Ghost Ltd", "provenance": { "kind": "not_collected" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. 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Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_contains": "bad instance suffix", "error_code": "section.bad_instance" }, { "id": "sec-empty-required-field", "kind": "pack", "description": "H1: a required field with an empty-string value is not provided.", "expect": "invalid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. 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Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_contains": "not provided", "error_code": "required.not_provided" }, { "id": "sec-bad-extension-token", "kind": "pack", "description": "M3: x_ extension ids must match x_[a-z][a-z0-9_]* (strict-schema parity).", "expect": "invalid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } }, "x_Bad": { "value": 1, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_contains": "x_[a-z]", "error_code": "field.bad_extension_name" }, { "id": "sec-bad-evidence-hash", "kind": "pack", "description": "P2: provenance.evidence_hash must be 'sha256:' + 64 lowercase hex.", "expect": "invalid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13", "evidence_hash": "notahash" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } }, "error_contains": "evidence_hash", "error_code": "structure.schema" }, { "id": "valid-evidence-anchored", "kind": "pack", "description": "P2: a verified fact may carry an evidence_hash; anchoring is additive in v0.", "expect": "valid", "document": { "standard": "lending-deal-package-readiness", "schema_version": "0.5.0", "catalogue_version": "0.15.0", "entity": { "legal_form": "ltd", "jurisdiction": "GB" }, "producer": { "name": "Example Origination Ltd", "role": "origination platform", "fca_status": "appointed_representative", "fca_frn": "000000", "principal_name": "Example Principal Ltd", "contact": "packs@example.invalid" }, "sections": { "business_identity": { "company_name": { "value": "Example Trading Ltd (synthetic)", "provenance": { "kind": "verified", "source": "companies_house", "via": "GET /company/00000000", "date": "2026-07-13", "evidence_hash": "sha256:bbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbb" } }, "company_number": { "value": "00000000", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "legal_form": { "value": "ltd", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "company_status": { "value": "active", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "lei": { "value": null, "provenance": { "kind": "not_collected", "label": "LEI (optional for SME packs)" } }, "trading_name": { "value": "Example Trading", "provenance": { "kind": "self-declared" } } }, "financials": { "turnover": { "value": 1250000, "provenance": { "kind": "self-declared" } }, "accounts_overdue": { "value": "on time", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "statutory_accounts": { "value": "accounts-2025.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/statutory/uuid_accounts.pdf" } } }, "banking": { "bank_statements": { "value": "6mo-statements.pdf", "provenance": { "kind": "document", "checked": true, "ref": "r2://cases/1/bank/uuid_statements.pdf" } }, "monthly_credit_turnover": { "value": 104000, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } }, "dscr": { "value": 1.6, "provenance": { "kind": "verified", "source": "open_banking", "date": "2026-07-12" } } }, "people": { "active_officers": { "value": "A. Director, B. Director (2 active officers)", "provenance": { "kind": "verified", "source": "companies_house", "date": "2026-07-13" } }, "director_disqualified": { "value": "none disqualified", "provenance": { "kind": "verified", "source": "disqualified_directors_register", "date": "2026-07-13" } }, "sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "guarantor": { "guarantee_required": { "value": true, "provenance": { "kind": "self-declared" } }, "guarantee_type": { "value": "personal", "provenance": { "kind": "self-declared" } }, "guarantee_amount": { "value": 50000, "provenance": { "kind": "self-declared" } }, "guarantor_name": { "value": "A. Director", "provenance": { "kind": "self-declared" } }, "personal_financial_statement": { "value": "pfs-413.pdf", "provenance": { "kind": "document", "checked": true } }, "guarantor_net_worth": { "value": 180000, "provenance": { "kind": "self-declared" } }, "guarantor_sanctions_pep": { "value": "clear", "provenance": { "kind": "verified", "source": "sanctions_screen", "date": "2026-07-13" } } }, "the_ask": { "amount": { "value": 75000, "provenance": { "kind": "self-declared" } }, "purpose": { "value": "new fit-out and equipment", "provenance": { "kind": "self-declared" } }, "candidate_products": { "value": "asset finance, secured term loan", "provenance": { "kind": "verified", "source": "structuring_need_map", "date": "2026-07-13" } }, "term_months": { "value": 48, "provenance": { "kind": "self-declared" } } }, "declarations": { "truth_statement": { "value": "I confirm the information in this pack is true and complete — signed 2026-07-13", "provenance": { "kind": "self-declared" } } } }, "readiness": { "status": "oven-ready", "attested": true, "attestation": { "attested_by": "A. Director, director of the applicant", "attested_at": "2026-07-13", "statement_ref": "sha256:9f2c...truth-statement" }, "conformance_level": "L3-attested", "missing": [] } } } ] }