Field Diagnostic Underwriting

SME Trade-Cycle Capital Sizing Engine

Ground-truth working capital assessment replacing 30-day calendar loans with cash-conversion stress modeling.

1. Operational Velocity (Days)

Days Inventory Outstanding (DIO) Average days stock sits prior to liquidation.

Days Sales Outstanding (DSO) Average payment recovery lag from buyers.

Days Payable Outstanding (DPO) Supplier terms granted before settlement.

Gross Monthly Revenue ($)

Monthly Business OpEx & Cost of Goods ($)

Non-Negotiable Household Buffer ($) Living draw shielded from debt service.

Facility Tenor (Months)

Automated Credit Memo PRIME / ELIGIBLE

Recommended Facility Limit

$11,178

Sized precisely to verified Cash Conversion Cycle gap.

Cash Conversion Cycle

40 Days

Monthly Amortization Cap

$920 / mo

25% Revenue Stress Assessment

• Stressed Gross Revenue: $9,000

• Net Operating Cash Flow (post-OpEx): $500

• Stress Coverage Ratio: 1.45x