sea-dev 1.0.0

package/libs/dal/src/defaults-sme-lending-uk-express.ts

@@ -0,0 +1,1527 @@
+import type { DenormWorkflow } from "./defaults-types";
+
+/**
+ * Express SME Lending Configuration for UK - Optimized for £10k-£100k loans
+ *
+ * This configuration is streamlined for fast decision-making on smaller SME loans.
+ * Key differences from standard SME lending:
+ * - Simplified origination (10-12 fields vs 40+)
+ * - Practical underwriting using management accounts
+ * - Enhanced monitoring with payment tracking and early warnings
+ * - UK-specific risk flags (HMRC arrears, COVID debt, filing status)
+ */
+
+export const defaultWorkflows: DenormWorkflow[] = [
+  // **************************
+  // EXPRESS ORIGINATION
+  // **************************
+  {
+    name: "Express Origination",
+    slug: "express-origination",
+    hint: "Fast-track loan application for £10k-£100k SME loans - essential information only",
+    forms: [
+      // **************************
+      // Express Origination - Loan Application
+      // **************************
+      {
+        name: "Loan Application",
+        hint: "Quick capture of loan request and business essentials",
+        groups: [
+          {
+            name: "Loan Request",
+            order: 0,
+            fields: [
+              {
+                name: "LoanAmountRequested",
+                type: "money",
+                hint: "Amount of funding requested (£10,000 - £100,000)",
+                order: 0,
+              },
+              {
+                name: "LoanPurpose",
+                type: "string",
+                hint: "Primary purpose (e.g., Working Capital, Equipment Purchase, Stock Purchase, Business Expansion, Cash Flow)",
+                order: 1,
+              },
+              {
+                name: "LoanTerm",
+                type: "string",
+                hint: "Requested loan term (e.g., 12 months, 24 months, 36 months)",
+                order: 2,
+              },
+              {
+                name: "UseOfFunds",
+                type: "string-long",
+                hint: "Detailed breakdown of how funds will be used",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Business Information",
+            order: 1,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Legal company name as registered with Companies House",
+                order: 0,
+              },
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration number (e.g., 12345678)",
+                order: 1,
+              },
+              {
+                name: "TradingHistory",
+                type: "string",
+                hint: "How long has the business been trading (e.g., 2 years 3 months, 5 years)",
+                order: 2,
+              },
+              {
+                name: "AnnualTurnover",
+                type: "money",
+                hint: "Most recent annual turnover/revenue",
+                order: 3,
+              },
+              {
+                name: "NumberOfEmployees",
+                type: "number",
+                hint: "Current number of employees",
+                order: 4,
+              },
+              {
+                name: "BusinessDescription",
+                type: "string-long",
+                hint: "Brief description of what the business does",
+                order: 5,
+              },
+              {
+                name: "TradingAddress",
+                type: "string",
+                hint: "Primary trading address",
+                order: 6,
+              },
+            ],
+          },
+          {
+            name: "Contact Details",
+            order: 2,
+            fields: [
+              {
+                name: "PrimaryContactName",
+                type: "string",
+                hint: "Name of primary contact for this application",
+                order: 0,
+              },
+              {
+                name: "PrimaryContactEmail",
+                type: "string",
+                hint: "Email address for application communications",
+                order: 1,
+              },
+              {
+                name: "PrimaryContactPhone",
+                type: "string",
+                hint: "Contact phone number",
+                order: 2,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Express Origination - Directors (Simplified)
+      // **************************
+      {
+        name: "Directors & Key Persons",
+        hint: "Essential KYC information for company directors and shareholders",
+        groups: [
+          {
+            name: "Company Details",
+            order: 0,
+            fields: [
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration number",
+                order: 0,
+              },
+              {
+                name: "DateOfIncorporation",
+                type: "date",
+                hint: "Date the company was incorporated",
+                order: 1,
+              },
+              {
+                name: "RegisteredOfficeAddress",
+                type: "string-long",
+                hint: "Official registered office address",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Directors",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "DirectorName",
+                type: "string",
+                hint: "Full legal name of director",
+                order: 0,
+              },
+              {
+                name: "DateOfBirth",
+                type: "date",
+                hint: "Date of birth for credit checks",
+                order: 1,
+              },
+              {
+                name: "ResidentialAddress",
+                type: "string-long",
+                hint: "Current residential address",
+                order: 2,
+              },
+              {
+                name: "ShareholdingPercentage",
+                type: "number",
+                hint: "Percentage of company shares held",
+                order: 3,
+              },
+              {
+                name: "WillingToProvidePersonalGuarantee",
+                type: "string",
+                hint: "Is this director willing to provide a personal guarantee? (Yes/No)",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Express Origination - Bank Statement (reuse from main)
+      // **************************
+      {
+        name: "Bank Statement",
+        hint: "Extract account balances, transactions, deposits, withdrawals - provide last 3 months as separate statement periods",
+        groups: [
+          {
+            name: "Account Information",
+            order: 0,
+            fields: [
+              {
+                name: "BankName",
+                type: "string",
+                hint: "Name of the bank (e.g., Barclays, HSBC, NatWest)",
+                order: 0,
+              },
+              {
+                name: "AccountNumber",
+                type: "string",
+                hint: "Bank account number",
+                order: 1,
+              },
+              {
+                name: "AccountType",
+                type: "string",
+                hint: "Type of account (e.g., Business Current Account, Business Savings)",
+                order: 2,
+              },
+              {
+                name: "AccountHolderName",
+                type: "string",
+                hint: "Legal name on the account",
+                order: 3,
+              },
+              {
+                name: "IBAN",
+                type: "string",
+                hint: "International Bank Account Number if available",
+                order: 4,
+              },
+              {
+                name: "SortCode",
+                type: "string",
+                hint: "UK bank sort code (e.g., 12-34-56)",
+                order: 5,
+              },
+              {
+                name: "Currency",
+                type: "string",
+                hint: "Account currency (typically GBP)",
+                order: 6,
+              },
+            ],
+          },
+          {
+            name: "Statement Periods",
+            multi: true,
+            order: 1,
+            fields: [
+              {
+                name: "StatementPeriodStart",
+                type: "date",
+                hint: "Start date of this statement period",
+                order: 0,
+              },
+              {
+                name: "StatementPeriodEnd",
+                type: "date",
+                hint: "End date of this statement period",
+                order: 1,
+              },
+              {
+                name: "OpeningBalance",
+                type: "money",
+                hint: "Account balance at start of period",
+                order: 2,
+              },
+              {
+                name: "ClosingBalance",
+                type: "money",
+                hint: "Account balance at end of period",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Transactions",
+            multi: true,
+            order: 2,
+            fields: [
+              {
+                name: "Date",
+                type: "date",
+                hint: "Transaction date",
+                order: 0,
+              },
+              {
+                name: "Description",
+                type: "string",
+                hint: "Transaction description/narrative",
+                order: 1,
+              },
+              {
+                name: "DepositAmount",
+                type: "money",
+                hint: "Amount deposited (leave blank if withdrawal)",
+                order: 2,
+              },
+              {
+                name: "WithdrawalAmount",
+                type: "money",
+                hint: "Amount withdrawn (leave blank if deposit)",
+                order: 3,
+              },
+              {
+                name: "Balance",
+                type: "money",
+                hint: "Account balance after this transaction",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+
+  // **************************
+  // EXPRESS UNDERWRITING
+  // **************************
+  {
+    name: "Express Underwriting",
+    slug: "express-underwriting",
+    hint: "Streamlined underwriting for £10k-£100k SME loans using practical financial data",
+    forms: [
+      // **************************
+      // Express Underwriting - Management Accounts
+      // **************************
+      {
+        name: "Management Accounts",
+        hint: "Recent management accounts - capture multiple periods (monthly or quarterly) for trend analysis",
+        groups: [
+          {
+            name: "Company Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Name of the company",
+                order: 0,
+              },
+            ],
+          },
+          {
+            name: "Accounting Periods",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "AccountsPeriod",
+                type: "string",
+                hint: "Period covered (e.g., January 2024, Q1 2024, YTD 2024)",
+                order: 0,
+              },
+              {
+                name: "PreparedDate",
+                type: "date",
+                hint: "Date these accounts were prepared",
+                order: 1,
+              },
+              {
+                name: "Turnover",
+                type: "money",
+                hint: "Total sales/revenue for the period",
+                order: 2,
+              },
+              {
+                name: "CostOfSales",
+                type: "money",
+                hint: "Direct costs of goods/services sold",
+                order: 3,
+              },
+              {
+                name: "GrossProfit",
+                type: "money",
+                hint: "Turnover minus cost of sales",
+                order: 4,
+              },
+              {
+                name: "OperatingExpenses",
+                type: "money",
+                hint: "Total operating expenses (salaries, rent, utilities, etc.)",
+                order: 5,
+              },
+              {
+                name: "NetProfit",
+                type: "money",
+                hint: "Profit after all expenses but before tax",
+                order: 6,
+              },
+              {
+                name: "TotalAssets",
+                type: "money",
+                hint: "Total assets as at period end",
+                order: 7,
+              },
+              {
+                name: "TotalLiabilities",
+                type: "money",
+                hint: "Total liabilities as at period end",
+                order: 8,
+              },
+              {
+                name: "NetAssets",
+                type: "money",
+                hint: "Total assets minus total liabilities",
+                order: 9,
+              },
+              {
+                name: "CashAtBank",
+                type: "money",
+                hint: "Cash and cash equivalents at period end",
+                order: 10,
+              },
+              {
+                name: "Debtors",
+                type: "money",
+                hint: "Trade debtors/accounts receivable at period end",
+                order: 11,
+              },
+              {
+                name: "Creditors",
+                type: "money",
+                hint: "Trade creditors/accounts payable at period end",
+                order: 12,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Express Underwriting - UK Credit & Risk Check
+      // **************************
+      {
+        name: "Credit & Risk Assessment",
+        hint: "UK-specific credit checks and risk indicators for business and directors",
+        groups: [
+          {
+            name: "Business Credit",
+            order: 0,
+            fields: [
+              {
+                name: "ExperianScore",
+                type: "number",
+                hint: "Experian business credit score (0-100)",
+                order: 0,
+              },
+              {
+                name: "CreditRating",
+                type: "string",
+                hint: "Credit rating description (e.g., Very Low Risk, Low Risk, Medium Risk, High Risk)",
+                order: 1,
+              },
+              {
+                name: "CompaniesHouseFilingStatus",
+                type: "string",
+                hint: "Filing status: Up to Date, Overdue, or months overdue",
+                order: 2,
+              },
+              {
+                name: "LastAccountsFiledDate",
+                type: "date",
+                hint: "Date last accounts were filed with Companies House",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "UK Tax & Compliance",
+            order: 1,
+            fields: [
+              {
+                name: "HMRCTaxArrears",
+                type: "string",
+                hint: "Does the company have HMRC tax arrears? (Yes/No/Unknown)",
+                order: 0,
+              },
+              {
+                name: "HMRCArrearsAmount",
+                type: "money",
+                hint: "If yes, estimated amount of tax arrears",
+                order: 1,
+              },
+              {
+                name: "VATRegistered",
+                type: "string",
+                hint: "Is the company VAT registered? (Yes/No)",
+                order: 2,
+              },
+              {
+                name: "VATNumber",
+                type: "string",
+                hint: "UK VAT registration number if applicable",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "COVID-Era Government Support",
+            order: 2,
+            fields: [
+              {
+                name: "BounceBankLoan",
+                type: "string",
+                hint: "Did the company receive a Bounce Back Loan (BBL)? (Yes/No)",
+                order: 0,
+              },
+              {
+                name: "BBLOutstandingAmount",
+                type: "money",
+                hint: "Outstanding BBL balance if applicable",
+                order: 1,
+              },
+              {
+                name: "CBILSLoan",
+                type: "string",
+                hint: "Did the company receive CBILS/CLBILS/RLS? (Yes/No)",
+                order: 2,
+              },
+              {
+                name: "CBILSOutstandingAmount",
+                type: "money",
+                hint: "Outstanding CBILS balance if applicable",
+                order: 3,
+              },
+              {
+                name: "OtherGovernmentSupport",
+                type: "string-long",
+                hint: "Any other government support received (furlough, grants, etc.)",
+                order: 4,
+              },
+            ],
+          },
+          {
+            name: "County Court Judgements",
+            order: 3,
+            multi: true,
+            fields: [
+              {
+                name: "CCJDate",
+                type: "date",
+                hint: "Date the CCJ was registered",
+                order: 0,
+              },
+              {
+                name: "Amount",
+                type: "money",
+                hint: "CCJ amount",
+                order: 1,
+              },
+              {
+                name: "Status",
+                type: "string",
+                hint: "Satisfied, Unsatisfied, or Partially Satisfied",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Existing Debt",
+            order: 4,
+            fields: [
+              {
+                name: "TotalExistingDebt",
+                type: "money",
+                hint: "Total of all existing business debt (loans, overdrafts, finance leases)",
+                order: 0,
+              },
+              {
+                name: "MonthlyDebtRepayments",
+                type: "money",
+                hint: "Total monthly debt service payments",
+                order: 1,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Express Underwriting - Affordability Assessment
+      // **************************
+      {
+        name: "Affordability Assessment",
+        hint: "Calculate debt service capacity and affordability for the requested loan",
+        groups: [
+          {
+            name: "Income Assessment",
+            order: 0,
+            fields: [
+              {
+                name: "AverageMonthlyTurnover",
+                type: "money",
+                hint: "Average monthly turnover over last 3-6 months",
+                order: 0,
+              },
+              {
+                name: "AverageMonthlyGrossProfit",
+                type: "money",
+                hint: "Average monthly gross profit",
+                order: 1,
+              },
+              {
+                name: "AverageMonthlyNetProfit",
+                type: "money",
+                hint: "Average monthly net profit before tax",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Debt Service Calculation",
+            order: 1,
+            fields: [
+              {
+                name: "ProposedLoanAmount",
+                type: "money",
+                hint: "Loan amount being assessed",
+                order: 0,
+              },
+              {
+                name: "ProposedInterestRate",
+                type: "number",
+                hint: "Proposed annual interest rate (%)",
+                order: 1,
+              },
+              {
+                name: "ProposedTermMonths",
+                type: "number",
+                hint: "Proposed loan term in months",
+                order: 2,
+              },
+              {
+                name: "EstimatedMonthlyRepayment",
+                type: "money",
+                hint: "Calculated monthly repayment amount",
+                order: 3,
+              },
+              {
+                name: "ExistingMonthlyDebtPayments",
+                type: "money",
+                hint: "Current monthly debt obligations",
+                order: 4,
+              },
+              {
+                name: "TotalMonthlyDebtService",
+                type: "money",
+                hint: "Total monthly debt service (existing + proposed)",
+                order: 5,
+              },
+              {
+                name: "DebtServiceCoverageRatio",
+                type: "number",
+                hint: "Net profit / Total debt service (should be >1.25 ideally)",
+                order: 6,
+              },
+              {
+                name: "AffordabilityAssessment",
+                type: "string",
+                hint: "Overall assessment: Affordable, Marginal, or Unaffordable",
+                order: 7,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Express Underwriting - Personal Guarantee
+      // **************************
+      {
+        name: "Personal Guarantee",
+        hint: "Personal guarantee details from directors - common for £50k loans",
+        groups: [
+          {
+            name: "Guarantee Overview",
+            order: 0,
+            fields: [
+              {
+                name: "GuaranteeType",
+                type: "string",
+                hint: "Type of guarantee: Joint & Several, Limited, Unlimited",
+                order: 0,
+              },
+              {
+                name: "GuaranteeAmount",
+                type: "money",
+                hint: "Maximum amount guaranteed",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Guarantors",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "GuarantorName",
+                type: "string",
+                hint: "Full name of guarantor",
+                order: 0,
+              },
+              {
+                name: "RelationshipToCompany",
+                type: "string",
+                hint: "Relationship (e.g., Director, Shareholder, Both)",
+                order: 1,
+              },
+              {
+                name: "ShareholdingPercentage",
+                type: "number",
+                hint: "Percentage ownership in the company",
+                order: 2,
+              },
+              {
+                name: "HomeOwnership",
+                type: "string",
+                hint: "Homeowner, Tenant, or Living with family",
+                order: 3,
+              },
+              {
+                name: "PropertyValue",
+                type: "money",
+                hint: "Estimated property value if homeowner",
+                order: 4,
+              },
+              {
+                name: "OutstandingMortgage",
+                type: "money",
+                hint: "Outstanding mortgage balance if applicable",
+                order: 5,
+              },
+              {
+                name: "PersonalCreditScore",
+                type: "number",
+                hint: "Personal credit score if available",
+                order: 6,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Express Underwriting - Full Financials (OPTIONAL)
+      // **************************
+      {
+        name: "Statutory Accounts (Optional)",
+        hint: "Full statutory accounts if available - capture multiple years for trend analysis. Use for borderline cases or larger amounts",
+        groups: [
+          {
+            name: "Company Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Legal company name",
+                order: 0,
+              },
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration number",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Financial Years",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "FinancialYearEnd",
+                type: "date",
+                hint: "Financial year end date (e.g., 31/12/2023, 31/03/2024)",
+                order: 0,
+              },
+              {
+                name: "Turnover",
+                type: "money",
+                hint: "Total sales/revenue for the financial year",
+                order: 1,
+              },
+              {
+                name: "CostOfSales",
+                type: "money",
+                hint: "Direct costs attributable to sales",
+                order: 2,
+              },
+              {
+                name: "GrossProfit",
+                type: "money",
+                hint: "Turnover minus cost of sales",
+                order: 3,
+              },
+              {
+                name: "OperatingExpenses",
+                type: "money",
+                hint: "Administrative and distribution expenses",
+                order: 4,
+              },
+              {
+                name: "OperatingProfit",
+                type: "money",
+                hint: "Profit from operations before interest and tax",
+                order: 5,
+              },
+              {
+                name: "ProfitBeforeTax",
+                type: "money",
+                hint: "Profit before taxation",
+                order: 6,
+              },
+              {
+                name: "TaxCharge",
+                type: "money",
+                hint: "Corporation tax charge for the year",
+                order: 7,
+              },
+              {
+                name: "ProfitAfterTax",
+                type: "money",
+                hint: "Net profit after all deductions",
+                order: 8,
+              },
+              {
+                name: "FixedAssetsTangible",
+                type: "money",
+                hint: "Tangible fixed assets (property, plant, equipment)",
+                order: 9,
+              },
+              {
+                name: "FixedAssetsIntangible",
+                type: "money",
+                hint: "Intangible assets (goodwill, intellectual property)",
+                order: 10,
+              },
+              {
+                name: "Stock",
+                type: "money",
+                hint: "Inventory/stock held",
+                order: 11,
+              },
+              {
+                name: "Debtors",
+                type: "money",
+                hint: "Trade and other debtors",
+                order: 12,
+              },
+              {
+                name: "CashAtBank",
+                type: "money",
+                hint: "Cash at bank and in hand",
+                order: 13,
+              },
+              {
+                name: "CreditorsWithinOneYear",
+                type: "money",
+                hint: "Creditors due within one year",
+                order: 14,
+              },
+              {
+                name: "NetCurrentAssets",
+                type: "money",
+                hint: "Current assets minus current liabilities",
+                order: 15,
+              },
+              {
+                name: "CreditorsAfterOneYear",
+                type: "money",
+                hint: "Long-term creditors due after more than one year",
+                order: 16,
+              },
+              {
+                name: "NetAssets",
+                type: "money",
+                hint: "Total net assets (total assets minus total liabilities)",
+                order: 17,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+
+  // **************************
+  // ENHANCED MONITORING
+  // **************************
+  {
+    name: "Enhanced Monitoring",
+    slug: "enhanced-monitoring",
+    hint: "Active portfolio monitoring with payment tracking, early warnings, and material events",
+    forms: [
+      // **************************
+      // Enhanced Monitoring - Loan Payment History
+      // **************************
+      {
+        name: "Loan Payment History",
+        hint: "Track monthly loan repayments and arrears",
+        groups: [
+          {
+            name: "Loan Details",
+            order: 0,
+            fields: [
+              {
+                name: "LoanAccountNumber",
+                type: "string",
+                hint: "Internal loan reference number",
+                order: 0,
+              },
+              {
+                name: "BorrowerName",
+                type: "string",
+                hint: "Company name",
+                order: 1,
+              },
+              {
+                name: "LoanAmount",
+                type: "money",
+                hint: "Original loan amount",
+                order: 2,
+              },
+              {
+                name: "MonthlyRepaymentDue",
+                type: "money",
+                hint: "Scheduled monthly repayment",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Payment History",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "PaymentDueDate",
+                type: "date",
+                hint: "Date payment was due",
+                order: 0,
+              },
+              {
+                name: "PaymentReceivedDate",
+                type: "date",
+                hint: "Date payment was actually received",
+                order: 1,
+              },
+              {
+                name: "AmountDue",
+                type: "money",
+                hint: "Amount that was due",
+                order: 2,
+              },
+              {
+                name: "AmountReceived",
+                type: "money",
+                hint: "Amount actually received",
+                order: 3,
+              },
+              {
+                name: "PaymentStatus",
+                type: "string",
+                hint: "Paid On Time, Paid Late, Partial Payment, Missed",
+                order: 4,
+              },
+              {
+                name: "DaysLate",
+                type: "number",
+                hint: "Number of days late (if applicable)",
+                order: 5,
+              },
+              {
+                name: "OutstandingBalance",
+                type: "money",
+                hint: "Outstanding loan balance after this payment",
+                order: 6,
+              },
+            ],
+          },
+          {
+            name: "Arrears Summary",
+            order: 2,
+            fields: [
+              {
+                name: "CurrentArrearsAmount",
+                type: "money",
+                hint: "Total current arrears",
+                order: 0,
+              },
+              {
+                name: "DaysInArrears",
+                type: "number",
+                hint: "Number of days in arrears",
+                order: 1,
+              },
+              {
+                name: "NumberOfMissedPayments",
+                type: "number",
+                hint: "Count of missed payments",
+                order: 2,
+              },
+              {
+                name: "ArrearsStatus",
+                type: "string",
+                hint: "Performing, Watch List, Default, Legal Action",
+                order: 3,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Enhanced Monitoring - Quarterly Management Accounts
+      // **************************
+      {
+        name: "Quarterly Review",
+        hint: "Quarterly management accounts and performance review",
+        groups: [
+          {
+            name: "Review Period",
+            order: 0,
+            fields: [
+              {
+                name: "ReviewQuarter",
+                type: "string",
+                hint: "Quarter being reviewed (e.g., Q1 2024, Q2 2024)",
+                order: 0,
+              },
+              {
+                name: "ReviewDate",
+                type: "date",
+                hint: "Date of this review",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Financial Performance",
+            order: 1,
+            fields: [
+              {
+                name: "QuarterlyTurnover",
+                type: "money",
+                hint: "Turnover for the quarter",
+                order: 0,
+              },
+              {
+                name: "QuarterlyGrossProfit",
+                type: "money",
+                hint: "Gross profit for the quarter",
+                order: 1,
+              },
+              {
+                name: "QuarterlyNetProfit",
+                type: "money",
+                hint: "Net profit for the quarter",
+                order: 2,
+              },
+              {
+                name: "CashPosition",
+                type: "money",
+                hint: "Cash at bank as at quarter end",
+                order: 3,
+              },
+              {
+                name: "PerformanceVsBudget",
+                type: "string",
+                hint: "Ahead of Budget, On Track, Below Budget",
+                order: 4,
+              },
+            ],
+          },
+          {
+            name: "Key Metrics Trends",
+            order: 2,
+            fields: [
+              {
+                name: "TurnoverTrend",
+                type: "string",
+                hint: "Increasing, Stable, Decreasing",
+                order: 0,
+              },
+              {
+                name: "ProfitabilityTrend",
+                type: "string",
+                hint: "Improving, Stable, Declining",
+                order: 1,
+              },
+              {
+                name: "CashFlowTrend",
+                type: "string",
+                hint: "Improving, Stable, Deteriorating",
+                order: 2,
+              },
+              {
+                name: "OverallAssessment",
+                type: "string",
+                hint: "Strong, Satisfactory, Concerns, Significant Issues",
+                order: 3,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Enhanced Monitoring - Material Events
+      // **************************
+      {
+        name: "Material Events",
+        hint: "Record significant events that may impact loan risk",
+        groups: [
+          {
+            name: "Event Details",
+            order: 0,
+            multi: true,
+            fields: [
+              {
+                name: "EventDate",
+                type: "date",
+                hint: "Date the event occurred or was discovered",
+                order: 0,
+              },
+              {
+                name: "EventType",
+                type: "string",
+                hint: "CCJ Filed, Director Change, HMRC Arrears, Filing Default, Business Restructure, Other",
+                order: 1,
+              },
+              {
+                name: "EventDescription",
+                type: "string-long",
+                hint: "Detailed description of the event",
+                order: 2,
+              },
+              {
+                name: "FinancialImpact",
+                type: "money",
+                hint: "Estimated financial impact if applicable",
+                order: 3,
+              },
+              {
+                name: "RiskImpact",
+                type: "string",
+                hint: "Impact on loan risk: None, Low, Medium, High, Critical",
+                order: 4,
+              },
+              {
+                name: "ActionRequired",
+                type: "string-long",
+                hint: "What action is needed in response to this event",
+                order: 5,
+              },
+              {
+                name: "ActionTaken",
+                type: "string-long",
+                hint: "Action taken by lender",
+                order: 6,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Enhanced Monitoring - Covenant Compliance
+      // **************************
+      {
+        name: "Covenant Compliance",
+        hint: "Track financial covenant compliance (if covenants are in place)",
+        groups: [
+          {
+            name: "Reporting Period",
+            order: 0,
+            fields: [
+              {
+                name: "ReportingPeriod",
+                type: "string",
+                hint: "Period being reported (e.g., Q1 2024, FY 2024)",
+                order: 0,
+              },
+              {
+                name: "ReportingDate",
+                type: "date",
+                hint: "Date of covenant compliance check",
+                order: 1,
+              },
+              {
+                name: "OverallComplianceStatus",
+                type: "string",
+                hint: "Compliant, Minor Breach, Material Breach, Waiver Granted",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Financial Covenants",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "CovenantType",
+                type: "string",
+                hint: "E.g., Minimum EBITDA, Max Debt/EBITDA, Minimum Cash, Debt Service Coverage",
+                order: 0,
+              },
+              {
+                name: "RequiredLevel",
+                type: "string",
+                hint: "Required threshold (e.g., >£50,000, <3.0x, >1.25x)",
+                order: 1,
+              },
+              {
+                name: "ActualLevel",
+                type: "string",
+                hint: "Actual performance",
+                order: 2,
+              },
+              {
+                name: "ComplianceStatus",
+                type: "string",
+                hint: "Compliant, Breach, Waived",
+                order: 3,
+              },
+              {
+                name: "Notes",
+                type: "string-long",
+                hint: "Additional comments or explanation",
+                order: 4,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Enhanced Monitoring - Bank Statement Review
+      // **************************
+      {
+        name: "Bank Statement Review",
+        hint: "Ongoing bank statement monitoring - capture multiple statement periods to track cash flow trends over time",
+        groups: [
+          {
+            name: "Account Information",
+            order: 0,
+            fields: [
+              {
+                name: "BankName",
+                type: "string",
+                hint: "Name of the bank",
+                order: 0,
+              },
+              {
+                name: "AccountNumber",
+                type: "string",
+                hint: "Bank account number being monitored",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Statement Periods",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "StatementPeriodStart",
+                type: "date",
+                hint: "Start date of this statement period",
+                order: 0,
+              },
+              {
+                name: "StatementPeriodEnd",
+                type: "date",
+                hint: "End date of this statement period",
+                order: 1,
+              },
+              {
+                name: "OpeningBalance",
+                type: "money",
+                hint: "Account balance at start of period",
+                order: 2,
+              },
+              {
+                name: "ClosingBalance",
+                type: "money",
+                hint: "Account balance at end of period",
+                order: 3,
+              },
+              {
+                name: "AverageBalance",
+                type: "money",
+                hint: "Average daily balance for the period",
+                order: 4,
+              },
+              {
+                name: "LowestBalance",
+                type: "money",
+                hint: "Lowest balance during the period (identifies liquidity stress)",
+                order: 5,
+              },
+              {
+                name: "NumberOfDaysOverdrawn",
+                type: "number",
+                hint: "Number of days the account was overdrawn",
+                order: 6,
+              },
+              {
+                name: "ReturnedPayments",
+                type: "number",
+                hint: "Number of returned/bounced payments (red flag indicator)",
+                order: 7,
+              },
+              {
+                name: "TotalDeposits",
+                type: "money",
+                hint: "Total credits/deposits for the period",
+                order: 8,
+              },
+              {
+                name: "TotalWithdrawals",
+                type: "money",
+                hint: "Total debits/withdrawals for the period",
+                order: 9,
+              },
+              {
+                name: "NetCashFlow",
+                type: "money",
+                hint: "Net cash movement (deposits minus withdrawals)",
+                order: 10,
+              },
+              {
+                name: "CashFlowAssessment",
+                type: "string",
+                hint: "Overall assessment: Strong, Adequate, Weak, Deteriorating",
+                order: 11,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Enhanced Monitoring - Annual Review
+      // **************************
+      {
+        name: "Annual Review",
+        hint: "Comprehensive annual loan review and renewal decision",
+        groups: [
+          {
+            name: "Review Summary",
+            order: 0,
+            fields: [
+              {
+                name: "ReviewDate",
+                type: "date",
+                hint: "Date of annual review",
+                order: 0,
+              },
+              {
+                name: "ReviewYear",
+                type: "string",
+                hint: "Year under review (e.g., FY 2024)",
+                order: 1,
+              },
+              {
+                name: "AccountOfficer",
+                type: "string",
+                hint: "Name of officer conducting review",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Payment Performance",
+            order: 1,
+            fields: [
+              {
+                name: "TotalPaymentsDue",
+                type: "number",
+                hint: "Number of payments due during the year",
+                order: 0,
+              },
+              {
+                name: "PaymentsOnTime",
+                type: "number",
+                hint: "Number of payments made on time",
+                order: 1,
+              },
+              {
+                name: "PaymentsLate",
+                type: "number",
+                hint: "Number of late payments",
+                order: 2,
+              },
+              {
+                name: "MissedPayments",
+                type: "number",
+                hint: "Number of missed payments",
+                order: 3,
+              },
+              {
+                name: "PaymentPerformanceRating",
+                type: "string",
+                hint: "Excellent, Good, Satisfactory, Poor",
+                order: 4,
+              },
+            ],
+          },
+          {
+            name: "Financial Performance",
+            order: 2,
+            fields: [
+              {
+                name: "AnnualTurnover",
+                type: "money",
+                hint: "Total turnover for the year",
+                order: 0,
+              },
+              {
+                name: "AnnualNetProfit",
+                type: "money",
+                hint: "Net profit for the year",
+                order: 1,
+              },
+              {
+                name: "YearEndCashPosition",
+                type: "money",
+                hint: "Cash at bank at year end",
+                order: 2,
+              },
+              {
+                name: "FinancialPerformanceRating",
+                type: "string",
+                hint: "Strong Growth, Stable, Declining, Significant Issues",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Risk Assessment",
+            order: 3,
+            fields: [
+              {
+                name: "CurrentRiskRating",
+                type: "string",
+                hint: "Low Risk, Medium Risk, High Risk, Very High Risk",
+                order: 0,
+              },
+              {
+                name: "RiskTrend",
+                type: "string",
+                hint: "Improving, Stable, Deteriorating",
+                order: 1,
+              },
+              {
+                name: "KeyRiskFactors",
+                type: "string-long",
+                hint: "Main risk concerns identified",
+                order: 2,
+              },
+              {
+                name: "MitigatingFactors",
+                type: "string-long",
+                hint: "Factors that reduce risk",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Renewal Decision",
+            order: 4,
+            fields: [
+              {
+                name: "RenewalRecommendation",
+                type: "string",
+                hint: "Renew as is, Renew with modified terms, Do not renew, Increase facility, Decrease facility",
+                order: 0,
+              },
+              {
+                name: "ProposedChanges",
+                type: "string-long",
+                hint: "Any proposed changes to loan terms",
+                order: 1,
+              },
+              {
+                name: "ReviewerNotes",
+                type: "string-long",
+                hint: "Overall assessment and recommendation rationale",
+                order: 2,
+              },
+              {
+                name: "ApprovalRequired",
+                type: "string",
+                hint: "Does this require credit committee approval? (Yes/No)",
+                order: 3,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+];