{ "standard": "lending-deal-package-readiness", "profiles_version": "0.7.0", "note": "Per-product requirement profiles (Std-10). A profile defines the MINIMUM fields a pack must PROVIDE (value not null) to claim oven-ready for that facility type, and the readiness MODE. Profile selection: the pack's the_ask.facility_type value selects the profile whose applies_to contains it; packs without a facility_type (or with an unmapped one) fall back to baseline-v0 (= the catalogue's required_fields). Enforced by the reference validator. readiness_mode: one_shot = a submission pack; continuous = the facility operates on recurring borrowing-base certificates AFTER onboarding — this pack covers onboarding; the recurring-certificate profile (cadence, certificate fields) is declared future work, not silently omitted.", "profiles": { "baseline-v0": { "status": "v0", "readiness_mode": "one_shot", "applies_to": [], "note": "The default profile — identical to the catalogue's required_fields. Applies when no facility_type is stated.", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "banking.bank_statements", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ] }, "term-loan-v0": { "status": "v0", "readiness_mode": "one_shot", "applies_to": [ "term_loan", "revolving_credit_facility", "overdraft" ], "note": "Core term/revolving cash facilities. Baseline + security position. (An RCF is operationally revolving but underwritten one-shot at this evidence level.)", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "banking.bank_statements", "security_assets.security_offered", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ] }, "asset-finance-v0": { "status": "v0", "readiness_mode": "one_shot", "applies_to": [ "asset_finance_hp", "asset_finance_lease", "sale_and_leaseback" ], "note": "Asset-secured products: the asset schedule is the credit.", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "banking.bank_statements", "security_assets.asset_schedule", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ] }, "invoice-finance-v0": { "status": "draft", "readiness_mode": "continuous", "applies_to": [ "invoice_discounting", "factoring" ], "note": "Receivables-backed revolving facilities. Onboarding pack = baseline + the debtor book. ONGOING lending runs on borrowing-base certificates — receivables.borrowing_base_certificate carries the latest; the periodic certificate MESSAGE is standardised in borrowing-base-certificate.schema.json (validate_bbc enforces the arithmetic).", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "banking.bank_statements", "receivables.aged_debtor_ledger", "receivables.debtor_concentration", "receivables.sample_invoices", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ] }, "development-finance-v0": { "status": "draft", "readiness_mode": "one_shot", "applies_to": [ "development_finance" ], "note": "Development finance: scheme economics, consent evidence, and a stated exit. Bridging now has its own exit-led profile (bridging-v0).", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "security_assets.property_address", "security_assets.valuation_report", "development.gdv", "development.total_build_costs", "development.drawdown_schedule", "development.planning_permission", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement", "development.development_appraisal", "the_ask.exit_strategy" ] }, "mezzanine-v0": { "status": "draft", "readiness_mode": "one_shot", "applies_to": [ "mezzanine_subordinated" ], "note": "Subordinated debt is priced off the whole capital stack — the stack is required evidence.", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "capital_structure.existing_debt_schedule", "capital_structure.senior_facility_terms", "capital_structure.ebitda", "capital_structure.enterprise_valuation", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ] }, "bridging-v0": { "applies_to": [ "bridging" ], "readiness_mode": "one_shot", "status": "draft", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "security_assets.property_address", "security_assets.valuation_report", "the_ask.exit_strategy", "the_ask.exit_evidence", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ], "note": "Bridging is exit-led: the security and the exit ARE the credit. Trading affordability evidence is secondary, so statutory accounts are not baseline-required here — the stated exit plus supporting evidence is." }, "trade-finance-v0": { "applies_to": [ "trade_finance" ], "readiness_mode": "continuous", "status": "draft", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "banking.bank_statements", "trade_finance.trade_direction", "trade_finance.supplier_details", "trade_finance.purchase_orders", "trade_finance.trade_cycle_days", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ], "note": "Transaction-cycle finance: the facility is underwritten once, then each funded transaction recurs (continuous mode). Facility readiness requires the trade shape and confirmed demand; per-transaction shipping/title documents recur after readiness and are deliberately NOT required here." }, "merchant-cash-advance-v0": { "applies_to": [ "merchant_cash_advance" ], "readiness_mode": "one_shot", "status": "draft", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "banking.bank_statements", "card_receipts.acquirer_name", "card_receipts.acquirer_statements", "card_receipts.monthly_card_turnover", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement" ], "note": "Receipts-linked advance: acquirer statements are the primary evidence — the advance is sized and repaid from card takings, not filed accounts." }, "asset-based-lending-v0": { "applies_to": [ "asset_based_lending" ], "readiness_mode": "continuous", "note": "ABL lends against MORE THAN ONE asset class. The borrowing base carries a receivables line and an inventory line, each with its own advance rate.", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "banking.bank_statements", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement", "receivables.aged_debtor_ledger", "receivables.debtor_concentration", "inventory.stock_on_hand_value", "inventory.stock_count_date", "inventory.nolv_rate", "inventory.stock_locations", "inventory.stock_insurance" ] }, "inventory-finance-v0": { "applies_to": [ "inventory_finance" ], "readiness_mode": "continuous", "note": "Stock finance. Advance rates are ordinarily struck against appraised NOLV, and enforceability turns on where the stock sits — hence the waiver of lien.", "required_fields": [ "business_identity.company_name", "business_identity.company_number", "business_identity.legal_form", "financials.statutory_accounts", "banking.bank_statements", "the_ask.amount", "the_ask.purpose", "declarations.truth_statement", "inventory.stock_on_hand_value", "inventory.stock_count_date", "inventory.stock_valuation_basis", "inventory.nolv_rate", "inventory.stock_appraisal", "inventory.stock_locations", "inventory.stock_insurance" ] } }, "taxonomy_only": { "note": "facility_type codes with no evidence profile — only the free-text 'other' remains; such packs fall back to baseline-v0.", "codes": [ "other" ] }, "overlays": { "sharia-v0": { "selected_by": { "field": "the_ask.finance_basis", "value": "sharia_compliant" }, "required_fields": [ "sharia_compliance.sharia_structure", "sharia_compliance.late_payment_charity_clause" ], "structure_required_fields": { "murabaha": [ "sharia_compliance.disclosed_cost", "sharia_compliance.disclosed_markup", "sharia_compliance.ownership_transfer_evidence", "sharia_compliance.ownership_transfer_date", "sharia_compliance.sale_contract", "sharia_compliance.sale_contract_date" ], "tawarruq": [ "sharia_compliance.disclosed_cost", "sharia_compliance.disclosed_markup", "sharia_compliance.ownership_transfer_evidence", "sharia_compliance.ownership_transfer_date", "sharia_compliance.sale_contract", "sharia_compliance.sale_contract_date" ], "ijara": [ "sharia_compliance.ownership_transfer_evidence", "sharia_compliance.sale_contract", "sharia_compliance.funder_insurance_evidence" ], "ijara_muntahia_bittamleek": [ "sharia_compliance.ownership_transfer_evidence", "sharia_compliance.sale_contract", "sharia_compliance.funder_insurance_evidence", "sharia_compliance.buyout_schedule" ], "diminishing_musharaka": [ "sharia_compliance.co_ownership_agreement", "sharia_compliance.buyout_schedule" ], "musharaka": [ "sharia_compliance.partnership_agreement", "sharia_compliance.capital_contribution_funder", "sharia_compliance.capital_contribution_customer", "sharia_compliance.profit_sharing_ratio", "sharia_compliance.loss_follows_capital" ], "mudaraba": [ "sharia_compliance.partnership_agreement", "sharia_compliance.capital_contribution_funder", "sharia_compliance.profit_sharing_ratio", "sharia_compliance.loss_follows_capital" ], "wakala": [ "sharia_compliance.agency_agreement", "sharia_compliance.agency_fee" ], "istisna": [ "sharia_compliance.sale_contract", "sharia_compliance.specification_delivery_schedule", "sharia_compliance.disclosed_cost" ], "salam": [ "sharia_compliance.sale_contract", "sharia_compliance.specification_delivery_schedule", "sharia_compliance.advance_payment_evidence" ], "other": [] }, "note": "OVERLAY, not a profile: adds requirements ON TOP of whichever facility profile applies, when the_ask.finance_basis is sharia_compliant. Base overlay requirements + the chosen structure's evidence checklist (structure_required_fields, keyed by sharia_compliance.sharia_structure). Every named structure carries its checklist; only 'other' has none — for an unlisted structure, the board's certificate defines what must be evidenced. The sector gate and the sequence rule are validator rules, not required fields." }, "recruitment-v0": { "selected_by": { "field": "the_ask.performance_evidence_basis", "value": "approved_timesheet" }, "required_fields": [ "receivables.approved_unbilled_value", "receivables.approved_timesheet_count", "receivables.verified_dilution_rate", "receivables.verified_debtor_days" ], "note": "OVERLAY, not a profile: recruitment invoice finance is ordinary invoice discounting where the borrower is a staffing agency. The facility does not change - what changes is what can be PROVEN. The approved timesheet is proof of performance (the analogue of a POD), so dilution and debtor days - the two numbers this facility is priced on - must be measured from the system of record rather than declared. approved_unbilled_value is the funding gap itself: workers are paid weekly, clients pay on 30-60 day terms. Adapter: staffing_source.py (SIMULATED; live needs Bullhorn or Access partner API access)." }, "haulage-v0": { "selected_by": { "field": "the_ask.performance_evidence_basis", "value": "proof_of_delivery" }, "required_fields": [ "receivables.pod_verified_value", "receivables.delivered_not_invoiced_value", "receivables.verified_dilution_rate", "receivables.verified_debtor_days" ], "note": "OVERLAY: the same shape as recruitment-v0, for transport. The TMS holds the POD, so the delivered-not-invoiced position and measured dilution/debtor days are available and therefore required. Retro-fits the vertical that shipped first, so haulage and recruitment are expressed the same way. Adapter: logistics_source.py (SIMULATED)." }, "construction-v0": { "selected_by": { "field": "the_ask.performance_evidence_basis", "value": "certified_application" }, "required_fields": [ "receivables.certified_to_date_value", "receivables.applied_not_certified_value", "receivables.retention_held_value", "receivables.retention_release_next_date" ], "note": "OVERLAY: construction contracting. Two assets, two archetypes. Certified applications are proof of performance - the POD equivalent, since an independent party confirmed the work. Retentions are proof of FORWARD RECEIPT: the performance already happened, what is uncertain is when the cash arrives and whether the main contractor is still solvent. Both are required because a pack claiming this vertical while omitting retention would understate the trapped asset and overstate liquidity. Adapter: construction_source.py (SIMULATED; live needs Causeway/COINS/Procore)." } } }