sea-dev 1.0.0

package/libs/dal/src/defaults-smb-lending-us.ts

@@ -0,0 +1,1569 @@
+import type { DenormWorkflow } from "./defaults-types";
+
+export const defaultWorkflows: DenormWorkflow[] = [
+  // **************************
+  // Origination (Light Underwrite)
+  // **************************
+  {
+    name: "Origination",
+    slug: "origination",
+    hint: "Extract applicant details, loan amounts, business information, contact data",
+    forms: [
+      {
+        // **************************
+        // Origination - Investment Memo
+        // **************************
+        name: "Investment Memo",
+        hint: "Extract borrower profile, credit request details, industry analysis, management assessment, and financial performance metrics from investment memorandum",
+        groups: [
+          {
+            name: "Borrower Profile",
+            order: 0,
+            fields: [
+              {
+                name: "Borrower Name",
+                type: "string",
+                hint: "Legal name of the borrowing entity",
+                order: 0,
+              },
+              {
+                name: "Business Description",
+                type: "string-long",
+                hint: "Description of the borrower's primary business operations and activities",
+                order: 1,
+              },
+              {
+                name: "Company Overview",
+                type: "string-long",
+                hint: "Executive summary of the company including history, key products/services, and market position",
+                order: 2,
+              },
+              {
+                name: "Business Address",
+                type: "string",
+                hint: "Primary business address or headquarters location",
+                order: 3,
+              },
+              {
+                name: "Credit Request",
+                type: "string-long",
+                hint: "Details of the financing request including amount, purpose, and structure",
+                order: 4,
+              },
+              {
+                name: "EIN",
+                type: "string",
+                hint: "Employer Identification Number",
+                order: 5,
+              },
+            ],
+          },
+          {
+            name: "Industry & Market Analysis",
+            order: 1,
+            fields: [
+              {
+                name: "Industry Overview",
+                type: "string-long",
+                hint: "Analysis of the borrower's industry including trends, outlook, and competitive dynamics",
+                order: 0,
+              },
+              {
+                name: "BusinessOperations",
+                type: "string-long",
+                hint: "Detailed description of day-to-day business operations and revenue drivers",
+                order: 1,
+              },
+              {
+                name: "Market Segment",
+                type: "string",
+                hint: "Specific market segment or niche within the broader industry",
+                order: 2,
+              },
+              {
+                name: "Industry Classification",
+                type: "string",
+                hint: "NAICS or SIC industry classification code and description",
+                order: 3,
+              },
+              {
+                name: "Business Type",
+                type: "string",
+                hint: "Type of business entity (LLC, Corporation, Partnership, etc.)",
+                order: 4,
+              },
+            ],
+          },
+          {
+            name: "Management & Ownership",
+            order: 2,
+            fields: [
+              {
+                name: "Management Team",
+                type: "string-long",
+                hint: "Background and experience of key management personnel including CEO, CFO, and other executives",
+                order: 0,
+              },
+              {
+                name: "Ownership Structure",
+                type: "string-long",
+                hint: "Ownership percentages, key shareholders, and corporate structure details",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Credit Facility Details",
+            order: 3,
+            fields: [
+              {
+                name: "Facility Structure",
+                type: "string-long",
+                hint: "Proposed loan structure including facility type, terms, covenants, and security",
+                order: 0,
+              },
+            ],
+          },
+          {
+            name: "Banking Relationship",
+            order: 4,
+            fields: [
+              {
+                name: "Banking History",
+                type: "string-long",
+                hint: "Historical banking relationship and account performance summary",
+                order: 0,
+              },
+              {
+                name: "Account Activity",
+                type: "string-long",
+                hint: "Summary of recent account activity and transaction patterns",
+                order: 1,
+              },
+              {
+                name: "Primary Account Number",
+                type: "string",
+                hint: "Primary operating account number",
+                order: 2,
+              },
+              {
+                name: "Statement Date",
+                type: "date",
+                hint: "Most recent bank statement date",
+                order: 3,
+              },
+              {
+                name: "Current Balance",
+                type: "money",
+                hint: "Current account balance as of statement date",
+                order: 4,
+              },
+              {
+                name: "Low Balance",
+                type: "money",
+                hint: "Lowest account balance during the review period",
+                order: 5,
+              },
+            ],
+          },
+          {
+            name: "Financial Performance",
+            order: 5,
+            fields: [
+              {
+                name: "Financial Period",
+                type: "string",
+                hint: "Financial reporting period being analyzed (e.g., FY2023, TTM, etc.)",
+                order: 0,
+              },
+              {
+                name: "EBITDA",
+                type: "money",
+                hint: "Earnings before interest, taxes, depreciation and amortization for the period",
+                order: 1,
+              },
+              {
+                name: "Total Debt To EBITDA",
+                type: "number",
+                hint: "Total debt to EBITDA ratio indicating leverage level",
+                order: 2,
+              },
+              {
+                name: "Debt Service Coverage Ratio",
+                type: "number",
+                hint: "Projected debt service coverage ratio demonstrating repayment capacity",
+                order: 3,
+              },
+              {
+                name: "Cash Flow Breakeven",
+                type: "string",
+                hint: "Projected month when borrower achieves positive cash flow",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Origination - Bank Statement
+      // **************************
+      {
+        name: "Bank Statement",
+        hint: "Extract account balances, transactions, deposits, withdrawals, and cash flow patterns",
+        groups: [
+          {
+            name: "Bank Statement",
+            order: 0,
+            fields: [
+              {
+                name: "BankName",
+                type: "string",
+                order: 0,
+              },
+              {
+                name: "AccountNumber",
+                type: "string",
+                order: 1,
+              },
+              {
+                name: "AccountType",
+                type: "string",
+                order: 2,
+              },
+              {
+                name: "AccountHolderName",
+                type: "string",
+                order: 3,
+              },
+              {
+                name: "StatementPeriodStart",
+                type: "date",
+                order: 4,
+              },
+              {
+                name: "StatementPeriodEnd",
+                type: "date",
+                order: 5,
+              },
+              {
+                name: "OpeningBalance",
+                type: "money",
+                order: 6,
+              },
+              {
+                name: "ClosingBalance",
+                type: "money",
+                order: 7,
+              },
+              {
+                name: "IBAN",
+                type: "string",
+                order: 8,
+              },
+              {
+                name: "Currency",
+                type: "string",
+                order: 9,
+              },
+              {
+                name: "SortCode",
+                type: "string",
+                order: 10,
+              },
+            ],
+          },
+          {
+            name: "Transactions",
+            multi: true,
+            order: 1,
+            fields: [
+              {
+                name: "Date",
+                type: "date",
+                order: 0,
+              },
+              {
+                name: "Description",
+                type: "string",
+                order: 1,
+              },
+              {
+                name: "DepositAmount",
+                type: "money",
+                order: 2,
+              },
+              {
+                name: "WithdrawalAmount",
+                type: "money",
+                order: 3,
+              },
+              {
+                name: "Balance",
+                type: "money",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Origination - Principal Owners (US)
+      // **************************
+      {
+        name: "Principal Owners",
+        hint: "Extract principal owner information including SSN, ownership percentage, and personal details",
+        groups: [
+          {
+            name: "Company Information",
+            order: 0,
+            fields: [
+              {
+                name: "EIN",
+                type: "string",
+                hint: "Employer Identification Number",
+                order: 0,
+              },
+              {
+                name: "StateOfIncorporation",
+                type: "string",
+                hint: "State where the company is incorporated",
+                order: 1,
+              },
+              {
+                name: "DateOfIncorporation",
+                type: "date",
+                hint: "Date the company was incorporated",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Principal Owners",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "OwnerName",
+                type: "string",
+                hint: "Full name of the principal owner",
+                order: 0,
+              },
+              {
+                name: "SSN",
+                type: "string",
+                hint: "Social Security Number (last 4 digits only for security)",
+                order: 1,
+              },
+              {
+                name: "OwnershipPercentage",
+                type: "number",
+                hint: "Percentage of ownership in the company",
+                order: 2,
+              },
+              {
+                name: "Title",
+                type: "string",
+                hint: "Title or role in the company (e.g., CEO, President, Managing Member)",
+                order: 3,
+              },
+              {
+                name: "DateOfBirth",
+                type: "date",
+                hint: "Owner's date of birth",
+                order: 4,
+              },
+              {
+                name: "ResidentialAddress",
+                type: "string-long",
+                hint: "Owner's residential address",
+                order: 5,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+
+  // **************************
+  // Underwriting (Full Business Details)
+  // **************************
+  {
+    name: "Underwriting",
+    slug: "underwriting",
+    hint: "Extract financial statements, credit scores, collateral, risk assessments",
+    forms: [
+      // **************************
+      // Underwriting - US Income Statement
+      // **************************
+      {
+        name: "Income Statement",
+        hint: "Capture Income Statement results across reporting periods using US GAAP terminology",
+        groups: [
+          {
+            name: "General Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Name of the company for which the financials are reported",
+                order: 0,
+              },
+              {
+                name: "EIN",
+                type: "string",
+                hint: "Employer Identification Number",
+                order: 1,
+              },
+              {
+                name: "FiscalYearEnd",
+                type: "date",
+                hint: "Fiscal year end date for the reporting period",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Income Statement",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "FinancialPeriod",
+                type: "date",
+                hint: "The relevant financial period end date. Provide the date in UTC (YYYY-MM-DD).",
+                order: 0,
+              },
+              {
+                name: "Net Sales",
+                type: "money",
+                hint: "Total net sales revenue",
+                order: 1,
+              },
+              {
+                name: "Cost of Goods Sold",
+                type: "money",
+                hint: "Direct costs of producing goods sold",
+                order: 2,
+              },
+              {
+                name: "Gross Profit",
+                type: "money",
+                hint: "Net Sales minus Cost of Goods Sold",
+                order: 3,
+              },
+              {
+                name: "Operating Expenses",
+                type: "money",
+                hint: "Total operating expenses including SG&A",
+                order: 4,
+              },
+              {
+                name: "Operating Income",
+                type: "money",
+                hint: "Income from operations before interest and tax (US equivalent of EBIT)",
+                order: 5,
+              },
+              {
+                name: "EBITDA",
+                type: "money",
+                hint: "Earnings before interest, taxes, depreciation, and amortization",
+                order: 6,
+              },
+              {
+                name: "Interest Expense",
+                type: "money",
+                hint: "Total interest expense for the period",
+                order: 7,
+              },
+              {
+                name: "Income Before Tax",
+                type: "money",
+                hint: "Income after all operating and financing activities but before tax",
+                order: 8,
+              },
+              {
+                name: "Income Tax Expense",
+                type: "money",
+                hint: "Total income tax expense for the period",
+                order: 9,
+              },
+              {
+                name: "Net Income",
+                type: "money",
+                hint: "Net income after tax",
+                order: 10,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - US Balance Sheet
+      // **************************
+      {
+        name: "Balance Sheet",
+        hint: "Capture Balance Sheet positions at different reporting dates using US GAAP terminology",
+        groups: [
+          {
+            name: "General Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Name of the company for which the financials are reported",
+                order: 0,
+              },
+              {
+                name: "EIN",
+                type: "string",
+                hint: "Employer Identification Number",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Balance Sheet",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "FinancialDate",
+                type: "date",
+                hint: "The balance sheet reporting date. Provide the date in UTC (YYYY-MM-DD).",
+                order: 0,
+              },
+              {
+                name: "Cash and Cash Equivalents",
+                type: "money",
+                hint: "Cash on hand plus cash equivalents available at the reporting date",
+                order: 1,
+              },
+              {
+                name: "Accounts Receivable",
+                type: "money",
+                hint: "Outstanding customer balances expected to be collected",
+                order: 2,
+              },
+              {
+                name: "Inventory",
+                type: "money",
+                hint: "Value of goods held for sale or production",
+                order: 3,
+              },
+              {
+                name: "Total Current Assets",
+                type: "money",
+                hint: "Sum of assets expected to be converted to cash within one year",
+                order: 4,
+              },
+              {
+                name: "Property, Plant and Equipment",
+                type: "money",
+                hint: "Net value of long-term tangible assets",
+                order: 5,
+              },
+              {
+                name: "Total Assets",
+                type: "money",
+                hint: "Total assets combining current and non-current balances",
+                order: 6,
+              },
+              {
+                name: "Accounts Payable",
+                type: "money",
+                hint: "Outstanding supplier balances due within one year",
+                order: 7,
+              },
+              {
+                name: "Short-Term Debt",
+                type: "money",
+                hint: "Current portion of debt obligations due within one year",
+                order: 8,
+              },
+              {
+                name: "Total Current Liabilities",
+                type: "money",
+                hint: "Sum of liabilities due within one year",
+                order: 9,
+              },
+              {
+                name: "Long-Term Debt",
+                type: "money",
+                hint: "Non-current debt obligations extending beyond one year",
+                order: 10,
+              },
+              {
+                name: "Total Liabilities",
+                type: "money",
+                hint: "Total liabilities combining current and long-term balances",
+                order: 11,
+              },
+              {
+                name: "Stockholders' Equity",
+                type: "money",
+                hint: "Owners' residual interest in the company after liabilities are deducted from assets",
+                order: 12,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - Tax Returns (US)
+      // **************************
+      {
+        name: "Tax Returns",
+        hint: "Extract tax return information including federal and state tax filings",
+        groups: [
+          {
+            name: "Tax Return Summary",
+            order: 0,
+            fields: [
+              {
+                name: "TaxYear",
+                type: "string",
+                hint: "Tax year for the return (e.g., 2023)",
+                order: 0,
+              },
+              {
+                name: "ReturnType",
+                type: "string",
+                hint: "Type of tax return (e.g., Form 1120, Form 1120S, Form 1065)",
+                order: 1,
+              },
+              {
+                name: "FilingStatus",
+                type: "string",
+                hint: "Filing status (e.g., Filed, Extension, Amended)",
+                order: 2,
+              },
+              {
+                name: "FilingDate",
+                type: "date",
+                hint: "Date the tax return was filed",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Tax Return Details",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "GrossReceipts",
+                type: "money",
+                hint: "Total gross receipts or sales",
+                order: 0,
+              },
+              {
+                name: "CostOfGoodsSold",
+                type: "money",
+                hint: "Cost of goods sold from tax return",
+                order: 1,
+              },
+              {
+                name: "GrossProfit",
+                type: "money",
+                hint: "Gross profit from tax return",
+                order: 2,
+              },
+              {
+                name: "TotalDeductions",
+                type: "money",
+                hint: "Total deductions claimed",
+                order: 3,
+              },
+              {
+                name: "TaxableIncome",
+                type: "money",
+                hint: "Taxable income before credits",
+                order: 4,
+              },
+              {
+                name: "TotalTax",
+                type: "money",
+                hint: "Total tax liability",
+                order: 5,
+              },
+              {
+                name: "TaxPaid",
+                type: "money",
+                hint: "Total tax paid",
+                order: 6,
+              },
+              {
+                name: "RefundOrAmountDue",
+                type: "money",
+                hint: "Refund amount or amount due",
+                order: 7,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - Credit Bureau
+      // **************************
+      {
+        name: "Credit Bureau",
+        hint: "Extract credit bureau information including FICO scores, Dun & Bradstreet reports, and payment history",
+        groups: [
+          {
+            name: "Credit Overview",
+            order: 0,
+            fields: [
+              {
+                name: "FICOScore",
+                type: "number",
+                hint: "FICO credit score for the business",
+                order: 0,
+              },
+              {
+                name: "DunBradstreetRating",
+                type: "string",
+                hint: "Dun & Bradstreet credit rating",
+                order: 1,
+              },
+              {
+                name: "PaydexScore",
+                type: "number",
+                hint: "Dun & Bradstreet Paydex score (payment performance)",
+                order: 2,
+              },
+              {
+                name: "CreditLimit",
+                type: "money",
+                hint: "Recommended credit limit",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Payment History",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "CreditorName",
+                type: "string",
+                hint: "Name of the creditor",
+                order: 0,
+              },
+              {
+                name: "AccountType",
+                type: "string",
+                hint: "Type of account (e.g., Trade, Bank, Leasing)",
+                order: 1,
+              },
+              {
+                name: "PaymentStatus",
+                type: "string",
+                hint: "Payment status (e.g., Current, Past Due, Default)",
+                order: 2,
+              },
+              {
+                name: "DaysPastDue",
+                type: "number",
+                hint: "Number of days past due (if applicable)",
+                order: 3,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - UCC Filings & Business Registration
+      // **************************
+      {
+        name: "UCC Filings & Business Registration",
+        hint: "Extract UCC filing information and business registration details",
+        groups: [
+          {
+            name: "Business Registration",
+            order: 0,
+            fields: [
+              {
+                name: "EIN",
+                type: "string",
+                hint: "Employer Identification Number",
+                order: 0,
+              },
+              {
+                name: "StateOfIncorporation",
+                type: "string",
+                hint: "State where the company is incorporated",
+                order: 1,
+              },
+              {
+                name: "EntityType",
+                type: "string",
+                hint: "Type of business entity (e.g., LLC, Corporation, Partnership)",
+                order: 2,
+              },
+              {
+                name: "DateOfIncorporation",
+                type: "date",
+                hint: "Date the company was incorporated",
+                order: 3,
+              },
+              {
+                name: "RegisteredAgent",
+                type: "string",
+                hint: "Registered agent name",
+                order: 4,
+              },
+            ],
+          },
+          {
+            name: "UCC Filings",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "FilingNumber",
+                type: "string",
+                hint: "UCC filing number",
+                order: 0,
+              },
+              {
+                name: "FilingDate",
+                type: "date",
+                hint: "Date of UCC filing",
+                order: 1,
+              },
+              {
+                name: "SecuredParty",
+                type: "string",
+                hint: "Name of the secured party (lender)",
+                order: 2,
+              },
+              {
+                name: "CollateralDescription",
+                type: "string-long",
+                hint: "Description of collateral covered by the filing",
+                order: 3,
+              },
+              {
+                name: "FilingStatus",
+                type: "string",
+                hint: "Filing status (e.g., Active, Terminated, Continuation)",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - Security & Collateral
+      // **************************
+      {
+        name: "Security & Collateral",
+        hint: "Extract security and collateral information including property charges and personal guarantees",
+        groups: [
+          {
+            name: "Overview",
+            order: 0,
+            fields: [
+              {
+                name: "TotalSecurityValue",
+                type: "money",
+                hint: "Total value of all security provided",
+                order: 0,
+              },
+              {
+                name: "LoanToValue",
+                type: "number",
+                hint: "Loan to value ratio as a percentage",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Property Charges",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "PropertyAddress",
+                type: "string-long",
+                hint: "Address of the property being charged",
+                order: 0,
+              },
+              {
+                name: "PropertyValue",
+                type: "money",
+                hint: "Current market value of the property",
+                order: 1,
+              },
+              {
+                name: "OutstandingMortgage",
+                type: "money",
+                hint: "Outstanding mortgage balance on the property",
+                order: 2,
+              },
+              {
+                name: "ChargeType",
+                type: "string",
+                hint: "Type of charge (e.g., First Charge, Second Charge, Floating Charge)",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Personal Guarantees",
+            order: 2,
+            multi: true,
+            fields: [
+              {
+                name: "GuarantorName",
+                type: "string",
+                hint: "Full name of the guarantor",
+                order: 0,
+              },
+              {
+                name: "GuaranteeAmount",
+                type: "money",
+                hint: "Amount guaranteed by this individual",
+                order: 1,
+              },
+              {
+                name: "PersonalAssetsValue",
+                type: "money",
+                hint: "Estimated value of personal assets of the guarantor",
+                order: 2,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - Cash Conversion Ratios
+      // **************************
+      {
+        name: "Cash Conversion Ratios",
+        hint: "Capture DPO, DSO, DIO, and cash conversion cycle calculations",
+        groups: [
+          {
+            name: "Days Payable Outstanding",
+            order: 0,
+            fields: [
+              {
+                name: "Date",
+                type: "date",
+                hint: "The date corresponding to the calculation.",
+                order: 0,
+              },
+              {
+                name: "Period Length",
+                type: "string",
+                hint: "E.g. Monthly, Quarterly, Yearly.",
+                order: 1,
+              },
+              {
+                name: "Beginning AP",
+                type: "money",
+                hint: "Start of period balance sheet value (Accounts Payable).",
+                order: 2,
+              },
+              {
+                name: "Ending AP",
+                type: "money",
+                hint: "End of period balance sheet value (Accounts Payable).",
+                order: 3,
+              },
+              {
+                name: "Cost of Goods Sold (COGS)",
+                type: "money",
+                hint: "Total COGS for the period, from income statement.",
+                order: 4,
+              },
+              {
+                name: "Number of Days",
+                type: "number",
+                hint: "Length of the period (e.g., 90 for a quarter).",
+                order: 5,
+              },
+              {
+                name: "Days Payable Outstanding (DPO)",
+                type: "number",
+                hint: "Calculated as [(Beginning AP + Ending AP) / 2] / (COGS / Number of Days).",
+                order: 6,
+              },
+            ],
+          },
+          {
+            name: "Days Sales Outstanding",
+            order: 1,
+            fields: [
+              {
+                name: "Date",
+                type: "date",
+                hint: "The date corresponding to the calculation.",
+                order: 0,
+              },
+              {
+                name: "Period Length",
+                type: "string",
+                hint: "E.g. Monthly, Quarterly, Yearly.",
+                order: 1,
+              },
+              {
+                name: "Beginning AR",
+                type: "money",
+                hint: "Start of period balance sheet value (Accounts Receivable).",
+                order: 2,
+              },
+              {
+                name: "Ending AR",
+                type: "money",
+                hint: "End of period balance sheet value (Accounts Receivable).",
+                order: 3,
+              },
+              {
+                name: "Revenue",
+                type: "money",
+                hint: "Total revenue for the period, from the Income Statement.",
+                order: 4,
+              },
+              {
+                name: "Number of Days",
+                type: "number",
+                hint: "Length of the period (e.g., 90 for a quarter).",
+                order: 5,
+              },
+              {
+                name: "Days Sales Outstanding (DSO)",
+                type: "number",
+                hint: "Calculated as [(Beginning AR + Ending AR) / 2] / (Revenue / Number of Days).",
+                order: 6,
+              },
+            ],
+          },
+          {
+            name: "Days Inventory Outstanding",
+            order: 2,
+            fields: [
+              {
+                name: "Date",
+                type: "date",
+                hint: "The date corresponding to the calculation.",
+                order: 0,
+              },
+              {
+                name: "Period Length",
+                type: "string",
+                hint: "E.g. Monthly, Quarterly, Yearly.",
+                order: 1,
+              },
+              {
+                name: "Beginning Inventory",
+                type: "money",
+                hint: "Start of period balance sheet value.",
+                order: 2,
+              },
+              {
+                name: "Ending Inventory",
+                type: "money",
+                hint: "End of period balance sheet value.",
+                order: 3,
+              },
+              {
+                name: "Cost of Goods Sold (COGS)",
+                type: "money",
+                hint: "Total COGS for the period, from income statement.",
+                order: 4,
+              },
+              {
+                name: "Number of Days",
+                type: "number",
+                hint: "Length of the period (e.g., 90 for a quarter).",
+                order: 5,
+              },
+              {
+                name: "Days Inventory Outstanding (DIO)",
+                type: "number",
+                hint: "Calculated as [(Beginning Inventory + Ending Inventory) / 2] / (COGS / Number of Days).",
+                order: 6,
+              },
+            ],
+          },
+          {
+            name: "Cash Conversion Cycle",
+            order: 3,
+            fields: [
+              {
+                name: "CCC",
+                type: "number",
+                hint: "Calculated as DIO + DSO – DPO.",
+                order: 0,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+
+  // **************************
+  // Monitoring (Light Underwrite)
+  // **************************
+  {
+    name: "Monitoring",
+    slug: "monitoring",
+    hint: "Extract payment records, covenant compliance, performance metrics, alerts",
+    forms: [
+      {
+        // **************************
+        // Monitoring - Investment Memo
+        // **************************
+        name: "Investment Memo",
+        hint: "Extract borrower profile, credit request details, industry analysis, management assessment, and financial performance metrics from investment memorandum",
+        groups: [
+          {
+            name: "Borrower Profile",
+            order: 0,
+            fields: [
+              {
+                name: "Borrower Name",
+                type: "string",
+                hint: "Legal name of the borrowing entity",
+                order: 0,
+              },
+              {
+                name: "Business Description",
+                type: "string-long",
+                hint: "Description of the borrower's primary business operations and activities",
+                order: 1,
+              },
+              {
+                name: "Company Overview",
+                type: "string-long",
+                hint: "Executive summary of the company including history, key products/services, and market position",
+                order: 2,
+              },
+              {
+                name: "Business Address",
+                type: "string",
+                hint: "Primary business address or headquarters location",
+                order: 3,
+              },
+              {
+                name: "Credit Request",
+                type: "string-long",
+                hint: "Details of the financing request including amount, purpose, and structure",
+                order: 4,
+              },
+              {
+                name: "EIN",
+                type: "string",
+                hint: "Employer Identification Number",
+                order: 5,
+              },
+            ],
+          },
+          {
+            name: "Industry & Market Analysis",
+            order: 1,
+            fields: [
+              {
+                name: "Industry Overview",
+                type: "string-long",
+                hint: "Analysis of the borrower's industry including trends, outlook, and competitive dynamics",
+                order: 0,
+              },
+              {
+                name: "BusinessOperations",
+                type: "string-long",
+                hint: "Detailed description of day-to-day business operations and revenue drivers",
+                order: 1,
+              },
+              {
+                name: "Market Segment",
+                type: "string",
+                hint: "Specific market segment or niche within the broader industry",
+                order: 2,
+              },
+              {
+                name: "Industry Classification",
+                type: "string",
+                hint: "NAICS or SIC industry classification code and description",
+                order: 3,
+              },
+              {
+                name: "Business Type",
+                type: "string",
+                hint: "Type of business entity (LLC, Corporation, Partnership, etc.)",
+                order: 4,
+              },
+            ],
+          },
+          {
+            name: "Management & Ownership",
+            order: 2,
+            fields: [
+              {
+                name: "Management Team",
+                type: "string-long",
+                hint: "Background and experience of key management personnel including CEO, CFO, and other executives",
+                order: 0,
+              },
+              {
+                name: "Ownership Structure",
+                type: "string-long",
+                hint: "Ownership percentages, key shareholders, and corporate structure details",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Credit Facility Details",
+            order: 3,
+            fields: [
+              {
+                name: "Facility Structure",
+                type: "string-long",
+                hint: "Proposed loan structure including facility type, terms, covenants, and security",
+                order: 0,
+              },
+            ],
+          },
+          {
+            name: "Banking Relationship",
+            order: 4,
+            fields: [
+              {
+                name: "Banking History",
+                type: "string-long",
+                hint: "Historical banking relationship and account performance summary",
+                order: 0,
+              },
+              {
+                name: "Account Activity",
+                type: "string-long",
+                hint: "Summary of recent account activity and transaction patterns",
+                order: 1,
+              },
+              {
+                name: "Primary Account Number",
+                type: "string",
+                hint: "Primary operating account number",
+                order: 2,
+              },
+              {
+                name: "Statement Date",
+                type: "date",
+                hint: "Most recent bank statement date",
+                order: 3,
+              },
+              {
+                name: "Current Balance",
+                type: "money",
+                hint: "Current account balance as of statement date",
+                order: 4,
+              },
+              {
+                name: "Low Balance",
+                type: "money",
+                hint: "Lowest account balance during the review period",
+                order: 5,
+              },
+            ],
+          },
+          {
+            name: "Financial Performance",
+            order: 5,
+            fields: [
+              {
+                name: "Financial Period",
+                type: "string",
+                hint: "Financial reporting period being analyzed (e.g., FY2023, TTM, etc.)",
+                order: 0,
+              },
+              {
+                name: "EBITDA",
+                type: "money",
+                hint: "Earnings before interest, taxes, depreciation and amortization for the period",
+                order: 1,
+              },
+              {
+                name: "Total Debt To EBITDA",
+                type: "number",
+                hint: "Total debt to EBITDA ratio indicating leverage level",
+                order: 2,
+              },
+              {
+                name: "Debt Service Coverage Ratio",
+                type: "number",
+                hint: "Projected debt service coverage ratio demonstrating repayment capacity",
+                order: 3,
+              },
+              {
+                name: "Cash Flow Breakeven",
+                type: "string",
+                hint: "Projected month when borrower achieves positive cash flow",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Monitoring - Bank Statement
+      // **************************
+      {
+        name: "Bank Statement",
+        hint: "Extract account balances, transactions, deposits, withdrawals, and cash flow patterns",
+        groups: [
+          {
+            name: "Bank Statement",
+            order: 0,
+            fields: [
+              {
+                name: "BankName",
+                type: "string",
+                order: 0,
+              },
+              {
+                name: "AccountNumber",
+                type: "string",
+                order: 1,
+              },
+              {
+                name: "AccountType",
+                type: "string",
+                order: 2,
+              },
+              {
+                name: "AccountHolderName",
+                type: "string",
+                order: 3,
+              },
+              {
+                name: "StatementPeriodStart",
+                type: "date",
+                order: 4,
+              },
+              {
+                name: "StatementPeriodEnd",
+                type: "date",
+                order: 5,
+              },
+              {
+                name: "OpeningBalance",
+                type: "money",
+                order: 6,
+              },
+              {
+                name: "ClosingBalance",
+                type: "money",
+                order: 7,
+              },
+              {
+                name: "IBAN",
+                type: "string",
+                order: 8,
+              },
+              {
+                name: "Currency",
+                type: "string",
+                order: 9,
+              },
+              {
+                name: "SortCode",
+                type: "string",
+                order: 10,
+              },
+            ],
+          },
+          {
+            name: "Transactions",
+            multi: true,
+            order: 1,
+            fields: [
+              {
+                name: "Date",
+                type: "date",
+                order: 0,
+              },
+              {
+                name: "Description",
+                type: "string",
+                order: 1,
+              },
+              {
+                name: "DepositAmount",
+                type: "money",
+                order: 2,
+              },
+              {
+                name: "WithdrawalAmount",
+                type: "money",
+                order: 3,
+              },
+              {
+                name: "Balance",
+                type: "money",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Monitoring - Principal Owners (US)
+      // **************************
+      {
+        name: "Principal Owners",
+        hint: "Extract principal owner information including SSN, ownership percentage, and personal details",
+        groups: [
+          {
+            name: "Company Information",
+            order: 0,
+            fields: [
+              {
+                name: "EIN",
+                type: "string",
+                hint: "Employer Identification Number",
+                order: 0,
+              },
+              {
+                name: "StateOfIncorporation",
+                type: "string",
+                hint: "State where the company is incorporated",
+                order: 1,
+              },
+              {
+                name: "DateOfIncorporation",
+                type: "date",
+                hint: "Date the company was incorporated",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Principal Owners",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "OwnerName",
+                type: "string",
+                hint: "Full name of the principal owner",
+                order: 0,
+              },
+              {
+                name: "SSN",
+                type: "string",
+                hint: "Social Security Number (last 4 digits only for security)",
+                order: 1,
+              },
+              {
+                name: "OwnershipPercentage",
+                type: "number",
+                hint: "Percentage of ownership in the company",
+                order: 2,
+              },
+              {
+                name: "Title",
+                type: "string",
+                hint: "Title or role in the company (e.g., CEO, President, Managing Member)",
+                order: 3,
+              },
+              {
+                name: "DateOfBirth",
+                type: "date",
+                hint: "Owner's date of birth",
+                order: 4,
+              },
+              {
+                name: "ResidentialAddress",
+                type: "string-long",
+                hint: "Owner's residential address",
+                order: 5,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Monitoring - Covenant Compliance
+      // **************************
+      {
+        name: "Covenant Compliance",
+        hint: "Extract covenant compliance information including financial covenants and overall compliance status",
+        groups: [
+          {
+            name: "Reporting Information",
+            order: 0,
+            fields: [
+              {
+                name: "ReportingPeriod",
+                type: "string",
+                hint: "Reporting period for covenant compliance (e.g., Q1 2024, FY 2024)",
+                order: 0,
+              },
+              {
+                name: "OverallComplianceStatus",
+                type: "string",
+                hint: "Overall compliance status (e.g., Compliant, Breach, At Risk)",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Financial Covenants",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "CovenantDescription",
+                type: "string-long",
+                hint: "Description of the covenant requirement",
+                order: 0,
+              },
+              {
+                name: "RequiredLevel",
+                type: "string",
+                hint: "Required level or threshold for compliance",
+                order: 1,
+              },
+              {
+                name: "ActualLevel",
+                type: "string",
+                hint: "Actual level achieved",
+                order: 2,
+              },
+              {
+                name: "ComplianceStatus",
+                type: "string",
+                hint: "Compliance status for this specific covenant (e.g., Compliant, Breach)",
+                order: 3,
+              },
+              {
+                name: "Comments",
+                type: "string-long",
+                hint: "Additional comments or notes regarding compliance",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+];