sea-dev 1.0.0

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

@@ -0,0 +1,1669 @@
+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: "Companies House Number",
+                type: "string",
+                hint: "UK company registration 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 - capture multiple statement periods for trend analysis",
+        groups: [
+          {
+            name: "Account Information",
+            order: 0,
+            fields: [
+              {
+                name: "BankName",
+                type: "string",
+                hint: "Name of the bank (e.g., Barclays, HSBC, NatWest, Lloyds)",
+                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,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Origination - Directors & Officers (UK)
+      // **************************
+      {
+        name: "Directors & Officers",
+        hint: "Extract UK company director and officer information including Companies House details, appointments, and shareholdings",
+        groups: [
+          {
+            name: "Company Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration number (e.g., 12345678)",
+                order: 0,
+              },
+              {
+                name: "SICCode",
+                type: "string",
+                hint: "Standard Industrial Classification code for UK companies",
+                order: 1,
+              },
+              {
+                name: "UTR",
+                type: "string",
+                hint: "Unique Taxpayer Reference number issued by HMRC",
+                order: 2,
+              },
+              {
+                name: "VATNumber",
+                type: "string",
+                hint: "UK VAT registration number (if applicable)",
+                order: 3,
+              },
+              {
+                name: "DateOfIncorporation",
+                type: "date",
+                hint: "Date the company was incorporated in the UK",
+                order: 4,
+              },
+              {
+                name: "RegisteredOfficeAddress",
+                type: "string-long",
+                hint: "Official registered office address as filed with Companies House",
+                order: 5,
+              },
+            ],
+          },
+          {
+            name: "Directors",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "DirectorName",
+                type: "string",
+                hint: "Full name of the director",
+                order: 0,
+              },
+              {
+                name: "DateOfBirth",
+                type: "date",
+                hint: "Director's date of birth",
+                order: 1,
+              },
+              {
+                name: "ResidentialAddress",
+                type: "string-long",
+                hint: "Director's residential address",
+                order: 2,
+              },
+              {
+                name: "Nationality",
+                type: "string",
+                hint: "Director's nationality",
+                order: 3,
+              },
+              {
+                name: "AppointmentDate",
+                type: "date",
+                hint: "Date the director was appointed to the board",
+                order: 4,
+              },
+              {
+                name: "ShareholdingPercentage",
+                type: "number",
+                hint: "Percentage of shares held by this director",
+                order: 5,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+
+  // **************************
+  // Underwriting (Full Business Details)
+  // **************************
+  {
+    name: "Underwriting",
+    slug: "underwriting",
+    hint: "Extract financial statements, credit scores, collateral, risk assessments",
+    forms: [
+      // **************************
+      // Underwriting - UK P&L (Profit & Loss Account)
+      // **************************
+      {
+        name: "UK P&L",
+        hint: "Capture UK Profit & Loss Account results across reporting periods using UK accounting terminology",
+        groups: [
+          {
+            name: "General Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Name of the UK company for which the financials are reported",
+                order: 0,
+              },
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration number",
+                order: 1,
+              },
+              {
+                name: "FinancialYearEnd",
+                type: "date",
+                hint: "Financial year end date for the reporting period",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Profit & Loss Account",
+            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: "Turnover",
+                type: "money",
+                hint: "Total sales revenue (UK term for revenue/turnover)",
+                order: 1,
+              },
+              {
+                name: "CostOfSales",
+                type: "money",
+                hint: "Direct costs of producing goods sold (UK term for COGS)",
+                order: 2,
+              },
+              {
+                name: "GrossProfit",
+                type: "money",
+                hint: "Turnover minus Cost of Sales",
+                order: 3,
+              },
+              {
+                name: "OperatingExpenses",
+                type: "money",
+                hint: "Total operating expenses including administrative and distribution costs",
+                order: 4,
+              },
+              {
+                name: "OperatingProfit",
+                type: "money",
+                hint: "Profit from operating activities before interest and tax (UK equivalent of EBIT)",
+                order: 5,
+              },
+              {
+                name: "EBITDA",
+                type: "money",
+                hint: "Earnings before interest, taxes, depreciation, and amortisation",
+                order: 6,
+              },
+              {
+                name: "ProfitBeforeTax",
+                type: "money",
+                hint: "Profit after all operating and financing activities but before tax",
+                order: 7,
+              },
+              {
+                name: "TaxCharge",
+                type: "money",
+                hint: "Total tax charge for the period",
+                order: 8,
+              },
+              {
+                name: "ProfitAfterTax",
+                type: "money",
+                hint: "Net profit after tax (UK term for net income)",
+                order: 9,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - UK Balance Sheet
+      // **************************
+      {
+        name: "UK Balance Sheet",
+        hint: "Capture UK Balance Sheet positions at different reporting dates using UK accounting terminology",
+        groups: [
+          {
+            name: "General Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Name of the UK company for which the financials are reported",
+                order: 0,
+              },
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration 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: "FixedAssetsTangible",
+                type: "money",
+                hint: "Tangible fixed assets including property, plant and equipment",
+                order: 1,
+              },
+              {
+                name: "FixedAssetsIntangible",
+                type: "money",
+                hint: "Intangible fixed assets including goodwill, patents, trademarks",
+                order: 2,
+              },
+              {
+                name: "Stock",
+                type: "money",
+                hint: "Inventory/stock held for sale or production (UK term for inventory)",
+                order: 3,
+              },
+              {
+                name: "Debtors",
+                type: "money",
+                hint: "Trade debtors and other receivables (UK term for accounts receivable)",
+                order: 4,
+              },
+              {
+                name: "CashAtBank",
+                type: "money",
+                hint: "Cash and cash equivalents held at bank",
+                order: 5,
+              },
+              {
+                name: "CreditorsWithinOneYear",
+                type: "money",
+                hint: "Trade creditors and other payables due within one year (UK term for current accounts payable)",
+                order: 6,
+              },
+              {
+                name: "NetCurrentAssets",
+                type: "money",
+                hint: "Current assets minus current liabilities",
+                order: 7,
+              },
+              {
+                name: "CreditorsAfterOneYear",
+                type: "money",
+                hint: "Long-term creditors and debt due after one year",
+                order: 8,
+              },
+              {
+                name: "NetAssets",
+                type: "money",
+                hint: "Total assets minus total liabilities",
+                order: 9,
+              },
+              {
+                name: "CapitalAndReserves",
+                type: "money",
+                hint: "Share capital and retained reserves (UK term for shareholders' equity)",
+                order: 10,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - Cash Flow Statement
+      // **************************
+      {
+        name: "Cash Flow Statement",
+        hint: "Capture UK Cash Flow Statement across reporting periods showing operating, investing, and financing cash flows",
+        groups: [
+          {
+            name: "General Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompanyName",
+                type: "string",
+                hint: "Name of the UK company for which the cash flow is reported",
+                order: 0,
+              },
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration number",
+                order: 1,
+              },
+            ],
+          },
+          {
+            name: "Cash Flow 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: "OperatingProfit",
+                type: "money",
+                hint: "Profit from operating activities before interest and tax",
+                order: 1,
+              },
+              {
+                name: "DepreciationAndAmortisation",
+                type: "money",
+                hint: "Non-cash charges for depreciation and amortisation",
+                order: 2,
+              },
+              {
+                name: "WorkingCapitalChanges",
+                type: "money",
+                hint: "Net change in working capital (increase is negative, decrease is positive)",
+                order: 3,
+              },
+              {
+                name: "CashFromOperations",
+                type: "money",
+                hint: "Net cash generated from operating activities",
+                order: 4,
+              },
+              {
+                name: "CapitalExpenditure",
+                type: "money",
+                hint: "Cash spent on capital assets (typically negative)",
+                order: 5,
+              },
+              {
+                name: "CashFromInvesting",
+                type: "money",
+                hint: "Net cash from investing activities",
+                order: 6,
+              },
+              {
+                name: "ProceedsFromLoans",
+                type: "money",
+                hint: "Cash received from new loans or borrowings",
+                order: 7,
+              },
+              {
+                name: "LoanRepayments",
+                type: "money",
+                hint: "Cash paid for loan repayments (typically negative)",
+                order: 8,
+              },
+              {
+                name: "DividendsPaid",
+                type: "money",
+                hint: "Cash paid as dividends to shareholders (typically negative)",
+                order: 9,
+              },
+              {
+                name: "CashFromFinancing",
+                type: "money",
+                hint: "Net cash from financing activities",
+                order: 10,
+              },
+              {
+                name: "NetCashMovement",
+                type: "money",
+                hint: "Net increase or decrease in cash and cash equivalents",
+                order: 11,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - Accounts Receivable (Debtors)
+      // **************************
+      {
+        name: "Debtors Ledger",
+        hint: "Extract UK accounts receivable (debtors) information including summary metrics and detailed customer ledger",
+        groups: [
+          {
+            name: "Debtors Summary",
+            order: 0,
+            fields: [
+              {
+                name: "AsAtDate",
+                type: "date",
+                hint: "Date as at which the debtors summary is prepared",
+                order: 0,
+              },
+              {
+                name: "TotalDebtors",
+                type: "money",
+                hint: "Total outstanding debtors balance",
+                order: 1,
+              },
+              {
+                name: "DebtorDays",
+                type: "number",
+                hint: "Average number of days debtors are outstanding (DSO equivalent)",
+                order: 2,
+              },
+              {
+                name: "ProvisionForBadDebts",
+                type: "money",
+                hint: "Provision or allowance for doubtful debts",
+                order: 3,
+              },
+            ],
+          },
+          {
+            name: "Debtor Ledger",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "CustomerName",
+                type: "string",
+                hint: "Name of the customer/debtor",
+                order: 0,
+              },
+              {
+                name: "InvoiceNumber",
+                type: "string",
+                hint: "Invoice number or reference",
+                order: 1,
+              },
+              {
+                name: "InvoiceDate",
+                type: "date",
+                hint: "Date the invoice was issued",
+                order: 2,
+              },
+              {
+                name: "InvoiceAmount",
+                type: "money",
+                hint: "Total invoice amount",
+                order: 3,
+              },
+              {
+                name: "AmountOutstanding",
+                type: "money",
+                hint: "Amount still outstanding on this invoice",
+                order: 4,
+              },
+              {
+                name: "DaysOutstanding",
+                type: "number",
+                hint: "Number of days the invoice has been outstanding",
+                order: 5,
+              },
+              {
+                name: "AgeCategory",
+                type: "string",
+                hint: "Ageing category (e.g., Current, 30 days, 60 days, 90+ days)",
+                order: 6,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - Accounts Payable (Creditors)
+      // **************************
+      {
+        name: "Creditors Ledger",
+        hint: "Extract UK accounts payable (creditors) information including summary metrics and detailed supplier ledger",
+        groups: [
+          {
+            name: "Creditors Summary",
+            order: 0,
+            fields: [
+              {
+                name: "AsAtDate",
+                type: "date",
+                hint: "Date as at which the creditors summary is prepared",
+                order: 0,
+              },
+              {
+                name: "TotalCreditors",
+                type: "money",
+                hint: "Total outstanding creditors balance",
+                order: 1,
+              },
+              {
+                name: "CreditorDays",
+                type: "number",
+                hint: "Average number of days creditors are outstanding (DPO equivalent)",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "Creditor Ledger",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "SupplierName",
+                type: "string",
+                hint: "Name of the supplier/creditor",
+                order: 0,
+              },
+              {
+                name: "InvoiceNumber",
+                type: "string",
+                hint: "Invoice number or reference",
+                order: 1,
+              },
+              {
+                name: "InvoiceDate",
+                type: "date",
+                hint: "Date the invoice was received",
+                order: 2,
+              },
+              {
+                name: "InvoiceAmount",
+                type: "money",
+                hint: "Total invoice amount",
+                order: 3,
+              },
+              {
+                name: "AmountOutstanding",
+                type: "money",
+                hint: "Amount still outstanding on this invoice",
+                order: 4,
+              },
+              {
+                name: "PaymentTerms",
+                type: "string",
+                hint: "Payment terms (e.g., Net 30, Net 60, Due on receipt)",
+                order: 5,
+              },
+              {
+                name: "DueDate",
+                type: "date",
+                hint: "Due date for payment of this invoice",
+                order: 6,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Underwriting - UK Credit Check
+      // **************************
+      {
+        name: "UK Credit Check",
+        hint: "Extract UK credit information including Experian scores, Companies House filing status, payment defaults, and County Court Judgements",
+        groups: [
+          {
+            name: "Credit Overview",
+            order: 0,
+            fields: [
+              {
+                name: "ExperianScore",
+                type: "number",
+                hint: "Experian credit score for the UK company",
+                order: 0,
+              },
+              {
+                name: "CompaniesHouseFilingStatus",
+                type: "string",
+                hint: "Current filing status with Companies House (e.g., Active, Dissolved, In Administration)",
+                order: 1,
+              },
+              {
+                name: "PaymentDefaultCount",
+                type: "number",
+                hint: "Number of payment defaults recorded",
+                order: 2,
+              },
+            ],
+          },
+          {
+            name: "County Court Judgements",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "CCJDate",
+                type: "date",
+                hint: "Date the County Court Judgement was issued",
+                order: 0,
+              },
+              {
+                name: "Amount",
+                type: "money",
+                hint: "Amount of the CCJ",
+                order: 1,
+              },
+              {
+                name: "Status",
+                type: "string",
+                hint: "Status of the CCJ (e.g., Satisfied, Unsatisfied, Set Aside)",
+                order: 2,
+              },
+              {
+                name: "Court",
+                type: "string",
+                hint: "Court that issued the judgement",
+                order: 3,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // 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 across multiple periods for working capital trend analysis",
+        groups: [
+          {
+            name: "Cash Conversion Analysis Periods",
+            order: 0,
+            multi: true,
+            fields: [
+              {
+                name: "PeriodEndDate",
+                type: "date",
+                hint: "The period end date for this calculation (e.g., 31/03/2024, 30/06/2024)",
+                order: 0,
+              },
+              {
+                name: "PeriodLength",
+                type: "string",
+                hint: "Type of period: Monthly, Quarterly, or Yearly",
+                order: 1,
+              },
+              {
+                name: "NumberOfDays",
+                type: "number",
+                hint: "Number of days in the period (e.g., 90 for a quarter, 365 for a year)",
+                order: 2,
+              },
+              {
+                name: "BeginningAccountsPayable",
+                type: "money",
+                hint: "Accounts Payable (Creditors) at start of period from balance sheet",
+                order: 3,
+              },
+              {
+                name: "EndingAccountsPayable",
+                type: "money",
+                hint: "Accounts Payable (Creditors) at end of period from balance sheet",
+                order: 4,
+              },
+              {
+                name: "BeginningAccountsReceivable",
+                type: "money",
+                hint: "Accounts Receivable (Debtors) at start of period from balance sheet",
+                order: 5,
+              },
+              {
+                name: "EndingAccountsReceivable",
+                type: "money",
+                hint: "Accounts Receivable (Debtors) at end of period from balance sheet",
+                order: 6,
+              },
+              {
+                name: "BeginningInventory",
+                type: "money",
+                hint: "Inventory (Stock) at start of period from balance sheet",
+                order: 7,
+              },
+              {
+                name: "EndingInventory",
+                type: "money",
+                hint: "Inventory (Stock) at end of period from balance sheet",
+                order: 8,
+              },
+              {
+                name: "Revenue",
+                type: "money",
+                hint: "Total revenue (Turnover) for the period from P&L",
+                order: 9,
+              },
+              {
+                name: "CostOfGoodsSold",
+                type: "money",
+                hint: "Cost of Goods Sold (Cost of Sales) for the period from P&L",
+                order: 10,
+              },
+              {
+                name: "DaysPayableOutstanding",
+                type: "number",
+                hint: "DPO = [(Beginning AP + Ending AP) / 2] / (COGS / Number of Days) - measures how long company takes to pay suppliers",
+                order: 11,
+              },
+              {
+                name: "DaysSalesOutstanding",
+                type: "number",
+                hint: "DSO = [(Beginning AR + Ending AR) / 2] / (Revenue / Number of Days) - measures how long to collect from customers",
+                order: 12,
+              },
+              {
+                name: "DaysInventoryOutstanding",
+                type: "number",
+                hint: "DIO = [(Beginning Inventory + Ending Inventory) / 2] / (COGS / Number of Days) - measures how long inventory sits unsold",
+                order: 13,
+              },
+              {
+                name: "CashConversionCycle",
+                type: "number",
+                hint: "CCC = DIO + DSO - DPO - measures days between paying suppliers and collecting from customers. Lower is better.",
+                order: 14,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+
+  // **************************
+  // 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: "Companies House Number",
+                type: "string",
+                hint: "UK company registration 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 - capture multiple statement periods for trend analysis",
+        groups: [
+          {
+            name: "Account Information",
+            order: 0,
+            fields: [
+              {
+                name: "BankName",
+                type: "string",
+                hint: "Name of the bank (e.g., Barclays, HSBC, NatWest, Lloyds)",
+                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,
+              },
+            ],
+          },
+        ],
+      },
+
+      // **************************
+      // Monitoring - Directors & Officers (UK)
+      // **************************
+      {
+        name: "Directors & Officers",
+        hint: "Extract UK company director and officer information including Companies House details, appointments, and shareholdings",
+        groups: [
+          {
+            name: "Company Information",
+            order: 0,
+            fields: [
+              {
+                name: "CompaniesHouseNumber",
+                type: "string",
+                hint: "UK Companies House registration number (e.g., 12345678)",
+                order: 0,
+              },
+              {
+                name: "SICCode",
+                type: "string",
+                hint: "Standard Industrial Classification code for UK companies",
+                order: 1,
+              },
+              {
+                name: "UTR",
+                type: "string",
+                hint: "Unique Taxpayer Reference number issued by HMRC",
+                order: 2,
+              },
+              {
+                name: "VATNumber",
+                type: "string",
+                hint: "UK VAT registration number (if applicable)",
+                order: 3,
+              },
+              {
+                name: "DateOfIncorporation",
+                type: "date",
+                hint: "Date the company was incorporated in the UK",
+                order: 4,
+              },
+              {
+                name: "RegisteredOfficeAddress",
+                type: "string-long",
+                hint: "Official registered office address as filed with Companies House",
+                order: 5,
+              },
+            ],
+          },
+          {
+            name: "Directors",
+            order: 1,
+            multi: true,
+            fields: [
+              {
+                name: "DirectorName",
+                type: "string",
+                hint: "Full name of the director",
+                order: 0,
+              },
+              {
+                name: "DateOfBirth",
+                type: "date",
+                hint: "Director's date of birth",
+                order: 1,
+              },
+              {
+                name: "ResidentialAddress",
+                type: "string-long",
+                hint: "Director's residential address",
+                order: 2,
+              },
+              {
+                name: "Nationality",
+                type: "string",
+                hint: "Director's nationality",
+                order: 3,
+              },
+              {
+                name: "AppointmentDate",
+                type: "date",
+                hint: "Date the director was appointed to the board",
+                order: 4,
+              },
+              {
+                name: "ShareholdingPercentage",
+                type: "number",
+                hint: "Percentage of shares held by this director",
+                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,
+              },
+            ],
+          },
+        ],
+      },
+    ],
+  },
+];