> ## Documentation Index > Fetch the complete documentation index at: https://docs.amlok.io/llms.txt > Use this file to discover all available pages before exploring further. # Get configuration > Discover the approved schemas, products, integration IDs, embedding versions and monitoring cadences available to this API key. Discover the approved schemas, products, integration IDs, embedding versions and monitoring cadences available to this API key. All IDs and cursors must belong to the authorized workspace and environment. Required scope: configuration:read. operational\_profile and embedding\_versions are required discovery; sandbox is null in Live. Never infer production quotas from synthetic examples. Examples use synthetic IDs. Replace them with values returned by your environment. ## OpenAPI ````yaml openapi/amlok.json GET /v1/configuration openapi: 3.1.0 info: title: AMLOK API version: 1.0.0 description: >- AMLOK API: borrower connections, Insights origination, immutable risk packages and Signal monitoring. Use your institution-issued API origin. servers: [] security: - BearerAuth: [] paths: /v1/configuration: get: tags: - Configuration summary: Get configuration description: >- Discover the approved schemas, products, integration IDs, embedding versions and monitoring cadences available to this API key. All IDs and cursors must belong to the authorized workspace and environment. Required scope: configuration:read. operational_profile and embedding_versions are required discovery; sandbox is null in Live. Never infer production quotas from synthetic examples. operationId: getConfiguration parameters: [] responses: '200': description: Successful response. content: application/json: schema: type: object properties: data: $ref: '#/components/schemas/Configuration' meta: $ref: '#/components/schemas/Meta' required: - data - meta additionalProperties: false example: data: products: - insights - signal embedding_version_ids: - embed_synthetic application_schemas: - id: app_schema_synthetic version: '1' json_schema: type: object required: - annual_revenue properties: annual_revenue: type: string pattern: ^[0-9]+\.[0-9]{2}$ additionalProperties: false - id: consumer_app_schema_synthetic version: '1' json_schema: type: object required: - gross_monthly_income - monthly_debt_payments properties: gross_monthly_income: type: string pattern: ^[0-9]+\.[0-9]{2}$ monthly_debt_payments: type: string pattern: ^[0-9]+\.[0-9]{2}$ additionalProperties: false pricing_schemas: - id: pricing_synthetic version: '1' json_schema: type: object required: - rate_type - annual_interest_rate - amortization_months - fees properties: rate_type: const: fixed annual_interest_rate: type: string amortization_months: type: integer minimum: 1 fees: type: array items: type: object additionalProperties: false cadences: - id: cadence_synthetic description: >- Illustrative daily schedule; use your provisioned cadence. dimensions: - key: business_age_months dimension_key: identity label: Business age description: >- Business age. Whole calendar months from verified formation date to assessment date. unit: months formula: >- Whole calendar months from verified formation date to assessment date required_inputs: - Verified formation date - assessment date - business only eligibility: >- Identity and account-ownership checks identify inconsistencies; they do not substitute for financial capacity. borrower_types: - business source_families: - identity - registry - banking - documents definition_version: 2026-11-06.1 calculation_version: amlok-business_age_months-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: verified_account_owner_ratio dimension_key: identity label: Verified account ownership share description: >- Verified account ownership share. Accounts with positively matched ownership divided by eligible disclosed connected accounts. unit: ratio formula: >- Accounts with positively matched ownership divided by eligible disclosed connected accounts required_inputs: - >- Account ownership evidence and resolved borrower identity - nonzero eligible-account count eligibility: >- Identity and account-ownership checks identify inconsistencies; they do not substitute for financial capacity. borrower_types: - business - person source_families: - identity - registry - banking - documents definition_version: 2026-11-06.1 calculation_version: amlok-verified_account_owner_ratio-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: ownership_disclosed_ratio dimension_key: ownership_and_control label: Disclosed ownership share description: >- Disclosed ownership share. Sum of supported non-overlapping ownership fractions in the assessed entity. unit: ratio formula: >- Sum of supported non-overlapping ownership fractions in the assessed entity required_inputs: - Current ownership register - common share basis - do not double-count direct and indirect paths eligibility: >- Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership. borrower_types: - business source_families: - registry - identity - accounting - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-ownership_disclosed_ratio-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: related_party_balance_share dimension_key: ownership_and_control label: Related-party receivables share description: >- Related-party receivables share. Related-party receivables divided by total receivables. unit: ratio formula: Related-party receivables divided by total receivables required_inputs: - Resolved related parties and same-date receivables - positive total receivables eligibility: >- Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership. borrower_types: - business source_families: - registry - identity - accounting - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-related_party_balance_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: supported_guarantee_coverage dimension_key: ownership_and_control label: Supported guarantee coverage description: >- Supported guarantee coverage. Documented collectible guarantee amount capped at exposure divided by exposure. unit: ratio formula: >- Documented collectible guarantee amount capped at exposure divided by exposure required_inputs: - >- Guarantee terms, guarantor assessment, currency and exposure - positive exposure - no unsupported collectible value eligibility: >- Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership. borrower_types: - business source_families: - registry - identity - accounting - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-supported_guarantee_coverage-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: total_inflows dimension_key: cashflow label: Posted inflows description: >- Posted inflows. Sum posted inflow magnitudes before transfer or revenue exclusions. unit: currency formula: >- Sum posted inflow magnitudes before transfer or revenue exclusions required_inputs: - >- Complete eligible transaction set for the window, scope and currency eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-total_inflows-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: total_outflows dimension_key: cashflow label: Posted outflows description: >- Posted outflows. Sum posted outflow magnitudes before transfer or operating exclusions. unit: currency formula: >- Sum posted outflow magnitudes before transfer or operating exclusions required_inputs: - >- Complete eligible transaction set for the window, scope and currency eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-total_outflows-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_cash_flow dimension_key: cashflow label: Net cash flow description: >- Net cash flow. Posted inflows minus posted outflows after consolidation transfer elimination. unit: currency formula: >- Posted inflows minus posted outflows after consolidation transfer elimination required_inputs: - >- Matched transfers, complete transactions and consistent scope/currency eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-net_cash_flow-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: operating_cash_inflows dimension_key: cashflow label: Operating receipts description: >- Operating receipts. Sum classified operating receipts excluding financing, internal transfers and owner injections. unit: currency formula: >- Sum classified operating receipts excluding financing, internal transfers and owner injections required_inputs: - >- Supported transaction classifications and explicit exclusion bridge eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-operating_cash_inflows-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: operating_cash_outflows dimension_key: cashflow label: Operating cash payments description: >- Operating cash payments. Sum operating outflows excluding financing principal, capital expenditures and matched transfers. unit: currency formula: >- Sum operating outflows excluding financing principal, capital expenditures and matched transfers required_inputs: - Supported classifications and cash-flow basis - interest/tax treatment disclosed eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-operating_cash_outflows-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: operating_net_cash_flow dimension_key: cashflow label: Net operating cash flow description: >- Net operating cash flow. Operating receipts minus operating cash payments. unit: currency formula: Operating receipts minus operating cash payments required_inputs: - >- Same-window receipts/outflows and documented classification basis eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-operating_net_cash_flow-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: internal_transfer_inflows dimension_key: cashflow label: Internal transfer inflows description: >- Internal transfer inflows. Sum inflows matched to outflows within the consolidation scope. unit: currency formula: >- Sum inflows matched to outflows within the consolidation scope required_inputs: - >- Supported transfer pairs with stable IDs and explicit FX treatment eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-internal_transfer_inflows-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: financing_inflows dimension_key: cashflow label: Financing inflows description: >- Financing inflows. Sum identified debt and equity financing receipts. unit: currency formula: Sum identified debt and equity financing receipts required_inputs: - Financing classification and evidence - uncertain receipts remain unclassified eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-financing_inflows-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: positive_cashflow_month_share dimension_key: cashflow label: Positive cash-flow months description: >- Positive cash-flow months. Complete months with positive net cash flow divided by complete covered months. unit: ratio formula: >- Complete months with positive net cash flow divided by complete covered months required_inputs: - >- At least three complete months and consistent account scope eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-positive_cashflow_month_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: cashflow_volatility dimension_key: cashflow label: Operating cash-flow volatility description: >- Operating cash-flow volatility. Population standard deviation of complete monthly net operating cash flow divided by absolute mean. unit: ratio formula: >- Population standard deviation of complete monthly net operating cash flow divided by absolute mean required_inputs: - At least six complete months - nonzero mean - disclose near-zero denominator sensitivity eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-cashflow_volatility-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: cashflow_change_90d dimension_key: cashflow label: Operating cash-flow change description: >- Operating cash-flow change. Current 90-day operating net flow minus previous 90-day flow, divided by absolute previous flow. unit: ratio formula: >- Current 90-day operating net flow minus previous 90-day flow, divided by absolute previous flow required_inputs: - Two complete comparable 90-day windows - nonzero previous flow eligibility: >- Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. borrower_types: - business - person source_families: - banking - payments - accounting definition_version: 2026-11-06.1 calculation_version: amlok-cashflow_change_90d-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: unrestricted_cash dimension_key: liquidity label: Unrestricted cash description: >- Unrestricted cash. Sum verified cash balances available for use, excluding restricted balances. unit: currency formula: >- Sum verified cash balances available for use, excluding restricted balances required_inputs: - Same-as-of reconciled balances and restriction status eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business - person source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-unrestricted_cash-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: average_daily_balance dimension_key: liquidity label: Average daily cash balance description: >- Average daily cash balance. Sum end-of-day balances divided by covered calendar days. unit: currency formula: Sum end-of-day balances divided by covered calendar days required_inputs: - >- Complete reconciled daily balances for the selected account scope eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business - person source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-average_daily_balance-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: minimum_daily_balance dimension_key: liquidity label: Minimum daily cash balance description: >- Minimum daily cash balance. Minimum consolidated end-of-day balance. unit: currency formula: Minimum consolidated end-of-day balance required_inputs: - Complete comparable daily balances - disclose observed versus reconstructed basis eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business - person source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-minimum_daily_balance-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: negative_balance_days dimension_key: liquidity label: Days below zero description: >- Days below zero. Count covered days with negative consolidated end-of-day balance. unit: days formula: >- Count covered days with negative consolidated end-of-day balance required_inputs: - Complete daily balance series - no missing day treated as zero eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business - person source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-negative_balance_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: cash_buffer_days dimension_key: liquidity label: Cash buffer description: >- Cash buffer. Unrestricted cash divided by mean daily essential cash outflows. unit: days formula: >- Unrestricted cash divided by mean daily essential cash outflows required_inputs: - Positive essential-outflow denominator - current cash - documented window and exclusions eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business - person source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-cash_buffer_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: current_ratio dimension_key: liquidity label: Current ratio description: >- Current ratio. Current assets divided by current liabilities. unit: ratio formula: Current assets divided by current liabilities required_inputs: - Same-date classified balance sheet - positive current liabilities eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-current_ratio-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: quick_ratio dimension_key: liquidity label: Quick ratio description: >- Quick ratio. Cash plus short-term investments plus eligible receivables, divided by current liabilities. unit: ratio formula: >- Cash plus short-term investments plus eligible receivables, divided by current liabilities required_inputs: - Same-date asset/liability classifications - positive current liabilities eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-quick_ratio-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: cash_ratio dimension_key: liquidity label: Cash ratio description: >- Cash ratio. Unrestricted cash and cash equivalents divided by current liabilities. unit: ratio formula: >- Unrestricted cash and cash equivalents divided by current liabilities required_inputs: - Same-date balances - positive current liabilities eligibility: >- Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. borrower_types: - business source_families: - banking - accounting definition_version: 2026-11-06.1 calculation_version: amlok-cash_ratio-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: verified_revenue dimension_key: revenue_quality label: Verified revenue description: >- Verified revenue. Sum supported revenue on the declared cash or accrual basis after exclusions. unit: currency formula: >- Sum supported revenue on the declared cash or accrual basis after exclusions required_inputs: - Reconciled bank, accounting or commerce evidence - taxes, financing and transfers excluded eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-verified_revenue-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: recurring_revenue_share dimension_key: revenue_quality label: Recurring revenue share description: >- Recurring revenue share. Supported recurring revenue divided by total verified revenue. unit: ratio formula: >- Supported recurring revenue divided by total verified revenue required_inputs: - Defined recurrence rule and matched periods - positive total revenue eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-recurring_revenue_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: revenue_growth_yoy dimension_key: revenue_quality label: Revenue growth year over year description: >- Revenue growth year over year. Current-period revenue minus prior-year comparable revenue, divided by prior-year revenue. unit: ratio formula: >- Current-period revenue minus prior-year comparable revenue, divided by prior-year revenue required_inputs: - Comparable periods separated by one year - positive prior revenue eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-revenue_growth_yoy-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: revenue_growth_90d dimension_key: revenue_quality label: Revenue growth over 90 days description: >- Revenue growth over 90 days. Current 90-day revenue minus preceding 90-day revenue, divided by preceding revenue. unit: ratio formula: >- Current 90-day revenue minus preceding 90-day revenue, divided by preceding revenue required_inputs: - Two complete 90-day periods - positive prior revenue eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-revenue_growth_90d-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: revenue_volatility dimension_key: revenue_quality label: Monthly revenue volatility description: >- Monthly revenue volatility. Population standard deviation of monthly revenue divided by mean monthly revenue. unit: ratio formula: >- Population standard deviation of monthly revenue divided by mean monthly revenue required_inputs: - At least six complete months - positive mean - consistent recognition basis eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-revenue_volatility-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: refund_amount_share dimension_key: revenue_quality label: Refund amount share description: >- Refund amount share. Refunded sales amount divided by eligible gross sales amount. unit: ratio formula: >- Refunded sales amount divided by eligible gross sales amount required_inputs: - >- Matched sales/refund cohort and treatment of late refunds - positive gross sales eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-refund_amount_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: chargeback_amount_share dimension_key: revenue_quality label: Chargeback amount share description: >- Chargeback amount share. Disputed chargeback amount divided by eligible processed sales amount. unit: ratio formula: >- Disputed chargeback amount divided by eligible processed sales amount required_inputs: - >- Matched processing cohort and consistent chargeback stage - positive denominator eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-chargeback_amount_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: revenue_cash_realization dimension_key: revenue_quality label: Revenue cash realization description: >- Revenue cash realization. Matched collections on recognized sales divided by recognized sales. unit: ratio formula: >- Matched collections on recognized sales divided by recognized sales required_inputs: - Defined collection horizon and sales cohort - positive recognized sales - not raw deposits/revenue eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-revenue_cash_realization-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: unverified_receipts_share dimension_key: revenue_quality label: Unverified receipts share description: >- Unverified receipts share. Unclassified or unsupported operating-like receipts divided by total candidate receipts. unit: ratio formula: >- Unclassified or unsupported operating-like receipts divided by total candidate receipts required_inputs: - >- Classification coverage and positive candidate receipts eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-unverified_receipts_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: nonrecurring_revenue_share dimension_key: revenue_quality label: Nonrecurring revenue share description: >- Nonrecurring revenue share. Identified nonrecurring revenue divided by verified revenue. unit: ratio formula: >- Identified nonrecurring revenue divided by verified revenue required_inputs: - Versioned recurrence criteria and positive revenue eligibility: >- Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. borrower_types: - business source_families: - banking - payments - commerce - accounting definition_version: 2026-11-06.1 calculation_version: amlok-nonrecurring_revenue_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: gross_profit dimension_key: profitability label: Gross profit description: >- Gross profit. Recognized revenue minus cost of goods sold. unit: currency formula: Recognized revenue minus cost of goods sold required_inputs: - Same-period income statement with classified COGS eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-gross_profit-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: gross_margin dimension_key: profitability label: Gross margin description: >- Gross margin. Gross profit divided by recognized revenue. unit: ratio formula: Gross profit divided by recognized revenue required_inputs: - Positive revenue and consistent accounting basis eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-gross_margin-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: ebitda dimension_key: profitability label: EBITDA description: >- EBITDA. Net income plus income tax expense, interest expense, depreciation and amortization. unit: currency formula: >- Net income plus income tax expense, interest expense, depreciation and amortization required_inputs: - Complete supported statement line items - no automatic discretionary addbacks eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-ebitda-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: ebitda_margin dimension_key: profitability label: EBITDA margin description: EBITDA margin. EBITDA divided by recognized revenue. unit: ratio formula: EBITDA divided by recognized revenue required_inputs: - Positive revenue and supported EBITDA eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-ebitda_margin-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: operating_profit dimension_key: profitability label: Operating profit description: >- Operating profit. Revenue minus COGS and operating expenses. unit: currency formula: Revenue minus COGS and operating expenses required_inputs: - Complete same-period operating statement - financing excluded eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-operating_profit-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: operating_margin dimension_key: profitability label: Operating margin description: Operating margin. Operating profit divided by revenue. unit: ratio formula: Operating profit divided by revenue required_inputs: - Positive recognized revenue eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-operating_margin-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_profit dimension_key: profitability label: Net profit description: >- Net profit. Total recognized income minus all recognized expenses. unit: currency formula: Total recognized income minus all recognized expenses required_inputs: - Complete statement on declared accounting basis eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-net_profit-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_margin dimension_key: profitability label: Net margin description: Net margin. Net profit divided by recognized revenue. unit: ratio formula: Net profit divided by recognized revenue required_inputs: - Positive recognized revenue eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-net_margin-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: free_cash_flow dimension_key: profitability label: Free cash flow description: >- Free cash flow. Operating cash flow minus cash capital expenditures. unit: currency formula: Operating cash flow minus cash capital expenditures required_inputs: - >- Reconciled cash-flow statement or supported cash reconstruction - no debt proceeds eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-free_cash_flow-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: return_on_assets dimension_key: profitability label: Return on assets description: >- Return on assets. Period net profit divided by mean opening and closing total assets. unit: ratio formula: >- Period net profit divided by mean opening and closing total assets required_inputs: - Positive average assets and complete period - disclose annualization, never apply silently eligibility: >- Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. borrower_types: - business source_families: - accounting - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-return_on_assets-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_working_capital dimension_key: working_capital label: Net working capital description: >- Net working capital. Current assets minus current liabilities. unit: currency formula: Current assets minus current liabilities required_inputs: - Same-date classified balance sheet eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-net_working_capital-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: receivables_days dimension_key: working_capital label: Receivable days description: >- Receivable days. Average trade receivables divided by credit sales, multiplied by period days. unit: days formula: >- Average trade receivables divided by credit sales, multiplied by period days required_inputs: - Positive credit sales - opening/closing receivables - same accounting period eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-receivables_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: payables_days dimension_key: working_capital label: Payable days description: >- Payable days. Average trade payables divided by credit purchases, multiplied by period days. unit: days formula: >- Average trade payables divided by credit purchases, multiplied by period days required_inputs: - Positive credit purchases - opening/closing payables - do not substitute COGS silently eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-payables_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: inventory_days dimension_key: working_capital label: Inventory days description: >- Inventory days. Average inventory divided by COGS, multiplied by period days. unit: days formula: >- Average inventory divided by COGS, multiplied by period days required_inputs: - Positive COGS - opening/closing comparable inventory valuation eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-inventory_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: cash_conversion_cycle dimension_key: working_capital label: Cash conversion cycle description: >- Cash conversion cycle. Receivable days plus inventory days minus payable days. unit: days formula: Receivable days plus inventory days minus payable days required_inputs: - >- All three components available on comparable periods and basis eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-cash_conversion_cycle-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: ar_overdue_share dimension_key: working_capital label: Overdue receivables share description: >- Overdue receivables share. Overdue collectible trade receivables divided by total collectible trade receivables. unit: ratio formula: >- Overdue collectible trade receivables divided by total collectible trade receivables required_inputs: - Due dates and same-as-of open balances - positive receivables eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-ar_overdue_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: ar_90_plus_share dimension_key: working_capital label: Receivables over 90 days past due description: >- Receivables over 90 days past due. Receivables more than 90 days past due divided by total trade receivables. unit: ratio formula: >- Receivables more than 90 days past due divided by total trade receivables required_inputs: - Aging based on due date, not invoice date - positive receivables eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-ar_90_plus_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: ap_overdue_share dimension_key: working_capital label: Overdue payables share description: >- Overdue payables share. Overdue trade payables divided by total trade payables. unit: ratio formula: Overdue trade payables divided by total trade payables required_inputs: - Due dates and open balances - positive payables eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-ap_overdue_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: inventory_turnover dimension_key: working_capital label: Inventory turnover description: >- Inventory turnover. Period COGS divided by average inventory. unit: ratio formula: Period COGS divided by average inventory required_inputs: - Positive comparable inventory and supported COGS eligibility: >- Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. borrower_types: - business source_families: - accounting - commerce - inventory definition_version: 2026-11-06.1 calculation_version: amlok-inventory_turnover-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: total_debt dimension_key: leverage label: Total interest-bearing debt description: >- Total interest-bearing debt. Sum outstanding principal of resolved interest-bearing obligations. unit: currency formula: >- Sum outstanding principal of resolved interest-bearing obligations required_inputs: - Complete disclosed and supported debt inventory - leases treatment explicit eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business - person source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-total_debt-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_debt dimension_key: leverage label: Net debt description: >- Net debt. Total debt minus unrestricted cash eligible for offset. unit: currency formula: Total debt minus unrestricted cash eligible for offset required_inputs: - Same-as-of currency and consolidated scope eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business - person source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-net_debt-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: debt_to_assets dimension_key: leverage label: Debt to assets description: >- Debt to assets. Total interest-bearing debt divided by total assets. unit: ratio formula: Total interest-bearing debt divided by total assets required_inputs: - Positive total assets and matched scope - excludes non-debt liabilities by definition eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-debt_to_assets-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: debt_to_equity dimension_key: leverage label: Debt to equity description: Debt to equity. Total debt divided by equity. unit: ratio formula: Total debt divided by equity required_inputs: - Positive equity - >- zero/negative equity produces unavailable ratio and a separate finding eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-debt_to_equity-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_debt_to_ebitda dimension_key: leverage label: Net debt to EBITDA description: >- Net debt to EBITDA. Net debt divided by trailing-12-month EBITDA. unit: ratio formula: Net debt divided by trailing-12-month EBITDA required_inputs: - Positive EBITDA and complete 12-month period eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-net_debt_to_ebitda-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: credit_utilization dimension_key: leverage label: Revolving credit utilization description: >- Revolving credit utilization. Used revolving principal divided by committed revolving limits. unit: ratio formula: >- Used revolving principal divided by committed revolving limits required_inputs: - Positive known limits - distinguish drawn balances from pending authorizations eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business - person source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-credit_utilization-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: short_term_debt_share dimension_key: leverage label: Debt due within one year description: >- Debt due within one year. Principal contractually due within 365 days divided by total debt. unit: ratio formula: >- Principal contractually due within 365 days divided by total debt required_inputs: - Complete maturity schedule and positive total debt eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business - person source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-short_term_debt_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: debt_maturing_90d dimension_key: leverage label: Debt maturing within 90 days description: >- Debt maturing within 90 days. Sum principal contractually due within the next 90 days. unit: currency formula: Sum principal contractually due within the next 90 days required_inputs: - Complete maturity schedule including balloon payments eligibility: >- Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. borrower_types: - business - person source_families: - accounting - banking - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-debt_maturing_90d-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: dscr dimension_key: repayment_capacity label: Cash-flow debt-service coverage description: >- Cash-flow debt-service coverage. Eligible cash flow available for debt service divided by existing plus proposed contractual debt service. unit: ratio formula: >- Eligible cash flow available for debt service divided by existing plus proposed contractual debt service required_inputs: - >- Complete eligible cash-flow bridge and existing/proposed principal, interest and mandatory debt fees for the same period - positive debt service eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-dscr-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: fixed_charge_coverage dimension_key: repayment_capacity label: Fixed-charge coverage description: >- Fixed-charge coverage. Cash flow before the specified fixed charges divided by those fixed charges. unit: ratio formula: >- Cash flow before the specified fixed charges divided by those fixed charges required_inputs: - >- Explicit non-overlapping charge set, including leases where applicable - positive charges eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-fixed_charge_coverage-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: interest_coverage dimension_key: repayment_capacity label: Interest coverage description: Interest coverage. EBIT divided by interest expense. unit: ratio formula: EBIT divided by interest expense required_inputs: - >- Supported same-period EBIT and positive interest expense eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-interest_coverage-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: existing_debt_service dimension_key: repayment_capacity label: Existing debt service description: >- Existing debt service. Sum existing contractual principal, interest and mandatory debt fees over the assessment window. unit: currency formula: >- Sum existing contractual principal, interest and mandatory debt fees over the assessment window required_inputs: - Complete schedule - variable and balloon assumptions explicit eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-existing_debt_service-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: proposed_debt_service dimension_key: repayment_capacity label: Proposed debt service description: >- Proposed debt service. Sum proposed contractual principal, interest and mandatory debt fees over the assessment window. unit: currency formula: >- Sum proposed contractual principal, interest and mandatory debt fees over the assessment window required_inputs: - >- Exact proposed product terms, amount, rate, amortization, fees and timing eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-proposed_debt_service-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: total_debt_service dimension_key: repayment_capacity label: Total debt service description: >- Total debt service. Existing plus proposed debt service with duplicates removed. unit: currency formula: >- Existing plus proposed debt service with duplicates removed required_inputs: - Comparable complete schedules and shared currency eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-total_debt_service-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: residual_cash_after_debt dimension_key: repayment_capacity label: Cash after debt service description: >- Cash after debt service. Eligible cash available for debt service minus total debt service. unit: currency formula: >- Eligible cash available for debt service minus total debt service required_inputs: - Supported cash-flow bridge and complete obligations eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-residual_cash_after_debt-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: debt_service_headroom dimension_key: repayment_capacity label: Debt-service headroom description: >- Debt-service headroom. Eligible cash flow divided by institution DSCR requirement, minus total debt service. unit: currency formula: >- Eligible cash flow divided by institution DSCR requirement, minus total debt service required_inputs: - >- Positive institution-approved DSCR threshold and complete components - analytical capacity, not an offer eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-debt_service_headroom-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: debt_payment_to_receipts dimension_key: repayment_capacity label: Debt payments to operating receipts description: >- Debt payments to operating receipts. Observed debt payments divided by operating cash receipts. unit: ratio formula: >- Observed debt payments divided by operating cash receipts required_inputs: - Positive receipts - payments classified with evidence - not a substitute for DSCR eligibility: >- Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. borrower_types: - business source_families: - banking - accounting - lender - application - documents definition_version: 2026-11-06.1 calculation_version: amlok-debt_payment_to_receipts-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: top_customer_share dimension_key: concentration label: Largest customer share description: >- Largest customer share. Largest resolved customer revenue divided by covered customer revenue. unit: ratio formula: >- Largest resolved customer revenue divided by covered customer revenue required_inputs: - >- Positive covered revenue and disclosed unknown-counterparty share eligibility: >- Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket. borrower_types: - business source_families: - accounting - payments - commerce - payroll - banking definition_version: 2026-11-06.1 calculation_version: amlok-top_customer_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: top_five_customer_share dimension_key: concentration label: Top five customer share description: >- Top five customer share. Revenue of five largest resolved customers divided by covered customer revenue. unit: ratio formula: >- Revenue of five largest resolved customers divided by covered customer revenue required_inputs: - Positive covered revenue - fewer than five uses all resolved customers eligibility: >- Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket. borrower_types: - business source_families: - accounting - payments - commerce - payroll - banking definition_version: 2026-11-06.1 calculation_version: amlok-top_five_customer_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: top_supplier_share dimension_key: concentration label: Largest supplier share description: >- Largest supplier share. Largest resolved supplier spend divided by covered supplier spend. unit: ratio formula: >- Largest resolved supplier spend divided by covered supplier spend required_inputs: - Positive supplier spend and explicit coverage eligibility: >- Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket. borrower_types: - business source_families: - accounting - payments - commerce - payroll - banking definition_version: 2026-11-06.1 calculation_version: amlok-top_supplier_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: top_channel_share dimension_key: concentration label: Largest sales channel share description: >- Largest sales channel share. Largest channel revenue divided by total covered channel revenue. unit: ratio formula: >- Largest channel revenue divided by total covered channel revenue required_inputs: - Positive channel revenue - no duplicated cross-platform sales eligibility: >- Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket. borrower_types: - business source_families: - accounting - payments - commerce - payroll - banking definition_version: 2026-11-06.1 calculation_version: amlok-top_channel_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: customer_hhi dimension_key: concentration label: Customer concentration index description: >- Customer concentration index. Sum squared customer revenue fractions on a 0-to-1 scale. unit: ratio formula: Sum squared customer revenue fractions on a 0-to-1 scale required_inputs: - >- Complete resolved customer allocation or explicit partial coverage - unknown is not one customer eligibility: >- Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket. borrower_types: - business source_families: - accounting - payments - commerce - payroll - banking definition_version: 2026-11-06.1 calculation_version: amlok-customer_hhi-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: income_source_hhi dimension_key: concentration label: Income-source concentration index description: >- Income-source concentration index. Sum squared verified income-source fractions on a 0-to-1 scale. unit: ratio formula: >- Sum squared verified income-source fractions on a 0-to-1 scale required_inputs: - Positive verified income and resolved income streams eligibility: >- Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket. borrower_types: - person source_families: - accounting - payments - commerce - payroll - banking definition_version: 2026-11-06.1 calculation_version: amlok-income_source_hhi-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: collateral_ltv dimension_key: collateral label: Loan to collateral value description: >- Loan to collateral value. Assessed facility exposure divided by supported collateral valuation. unit: ratio formula: >- Assessed facility exposure divided by supported collateral valuation required_inputs: - >- Positive eligible valuation with valuation date, currency and ownership eligibility: >- Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee. borrower_types: - business - person source_families: - collateral - registry - lender - accounting - documents definition_version: 2026-11-06.1 calculation_version: amlok-collateral_ltv-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: combined_ltv dimension_key: collateral label: Combined loan to value description: >- Combined loan to value. All known secured claims including proposed exposure divided by collateral value. unit: ratio formula: >- All known secured claims including proposed exposure divided by collateral value required_inputs: - >- Positive valuation and complete supported lien/priority inventory eligibility: >- Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee. borrower_types: - business - person source_families: - collateral - registry - lender - accounting - documents definition_version: 2026-11-06.1 calculation_version: amlok-combined_ltv-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: collateral_coverage dimension_key: collateral label: Collateral coverage description: >- Collateral coverage. Eligible realizable collateral value after approved haircuts divided by secured exposure. unit: ratio formula: >- Eligible realizable collateral value after approved haircuts divided by secured exposure required_inputs: - >- Positive exposure, documented haircut and enforceability assumptions eligibility: >- Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee. borrower_types: - business - person source_families: - collateral - registry - lender - accounting - documents definition_version: 2026-11-06.1 calculation_version: amlok-collateral_coverage-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: eligible_receivables dimension_key: collateral label: Eligible borrowing-base receivables description: >- Eligible borrowing-base receivables. Sum receivables meeting institution eligibility and concentration rules. unit: currency formula: >- Sum receivables meeting institution eligibility and concentration rules required_inputs: - >- Versioned borrowing-base rules, aging, dilution and prior-pledge evidence eligibility: >- Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee. borrower_types: - business source_families: - collateral - registry - lender - accounting - documents definition_version: 2026-11-06.1 calculation_version: amlok-eligible_receivables-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: collateral_haircut_ratio dimension_key: collateral label: Collateral haircut description: >- Collateral haircut. Gross eligible valuation minus supported realizable valuation, divided by gross valuation. unit: ratio formula: >- Gross eligible valuation minus supported realizable valuation, divided by gross valuation required_inputs: - >- Positive valuation and disclosed approved valuation/haircut method eligibility: >- Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee. borrower_types: - business - person source_families: - collateral - registry - lender - accounting - documents definition_version: 2026-11-06.1 calculation_version: amlok-collateral_haircut_ratio-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: reconciliation_break_share dimension_key: fraud_and_consistency label: Unreconciled value share description: >- Unreconciled value share. Unmatched absolute value divided by eligible source-side absolute value. unit: ratio formula: >- Unmatched absolute value divided by eligible source-side absolute value required_inputs: - >- Comparable transaction populations, period, currency and matching tolerance eligibility: >- Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values. borrower_types: - business - person source_families: - documents - banking - accounting - payments - identity definition_version: 2026-11-06.1 calculation_version: amlok-reconciliation_break_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: duplicate_transaction_share dimension_key: fraud_and_consistency label: Duplicate transaction share description: >- Duplicate transaction share. Confirmed duplicate records divided by examined records before deduplication. unit: ratio formula: >- Confirmed duplicate records divided by examined records before deduplication required_inputs: - >- Nonzero examined records and documented duplicate criteria eligibility: >- Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values. borrower_types: - business - person source_families: - documents - banking - accounting - payments - identity definition_version: 2026-11-06.1 calculation_version: amlok-duplicate_transaction_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: document_contradiction_count dimension_key: fraud_and_consistency label: Document contradictions description: >- Document contradictions. Count distinct supported inconsistencies between comparable document fields. unit: count formula: >- Count distinct supported inconsistencies between comparable document fields required_inputs: - Document-level findings with page/field evidence - a signal is not proof of fraud eligibility: >- Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values. borrower_types: - business - person source_families: - documents - banking - accounting - payments - identity definition_version: 2026-11-06.1 calculation_version: amlok-document_contradiction_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: identity_mismatch_count dimension_key: fraud_and_consistency label: Unresolved identity mismatches description: >- Unresolved identity mismatches. Count distinct unresolved mismatches across supported borrower identity attributes. unit: count formula: >- Count distinct unresolved mismatches across supported borrower identity attributes required_inputs: - Comparable identity sources - absent attributes are missing, not mismatched eligibility: >- Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values. borrower_types: - business - person source_families: - documents - banking - accounting - payments - identity definition_version: 2026-11-06.1 calculation_version: amlok-identity_mismatch_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: declared_income_gap_ratio dimension_key: fraud_and_consistency label: Declared-to-verified income gap description: >- Declared-to-verified income gap. Declared income minus verified comparable income, divided by verified income. unit: ratio formula: >- Declared income minus verified comparable income, divided by verified income required_inputs: - Positive verified income - same gross/net basis, currency, scope and period eligibility: >- Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values. borrower_types: - business - person source_families: - documents - banking - accounting - payments - identity definition_version: 2026-11-06.1 calculation_version: amlok-declared_income_gap_ratio-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: verified_gross_monthly_income dimension_key: income_and_affordability label: Verified gross monthly income description: >- Verified gross monthly income. Supported recurring pretax income normalized to one calendar month. unit: currency formula: >- Supported recurring pretax income normalized to one calendar month required_inputs: - Payroll, tax or supported gross-income evidence - net deposits alone do not establish gross income eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-verified_gross_monthly_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: verified_net_monthly_income dimension_key: income_and_affordability label: Verified net monthly income description: >- Verified net monthly income. Supported recurring after-deduction income normalized to one calendar month. unit: currency formula: >- Supported recurring after-deduction income normalized to one calendar month required_inputs: - >- Verified income streams, recurrence and calendar conversion - transfers excluded eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-verified_net_monthly_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: debt_to_income dimension_key: income_and_affordability label: Debt to income description: >- Debt to income. Existing plus proposed required monthly debt payments divided by verified gross monthly income. unit: ratio formula: >- Existing plus proposed required monthly debt payments divided by verified gross monthly income required_inputs: - >- Positive verified gross income and complete monthly obligations - housing treatment explicit eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-debt_to_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: housing_to_income dimension_key: income_and_affordability label: Housing cost to income description: >- Housing cost to income. Required monthly housing cost divided by verified gross monthly income. unit: ratio formula: >- Required monthly housing cost divided by verified gross monthly income required_inputs: - Positive gross income - rent/mortgage/tax/insurance/components explicit eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-housing_to_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: essential_monthly_spend dimension_key: income_and_affordability label: Essential monthly expenditure description: >- Essential monthly expenditure. Sum evidenced essential non-debt spending normalized to one month. unit: currency formula: >- Sum evidenced essential non-debt spending normalized to one month required_inputs: - Versioned institution expense taxonomy - >- exclude sensitive merchant categories and avoid housing/debt duplication eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-essential_monthly_spend-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: residual_monthly_income dimension_key: income_and_affordability label: Residual monthly income description: >- Residual monthly income. Verified net income minus essential spending, housing and existing/proposed debt payments. unit: currency formula: >- Verified net income minus essential spending, housing and existing/proposed debt payments required_inputs: - >- Complete non-overlapping monthly expense/obligation set eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-residual_monthly_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: payment_to_income dimension_key: income_and_affordability label: Proposed payment to income description: >- Proposed payment to income. Proposed required monthly payment divided by verified gross monthly income. unit: ratio formula: >- Proposed required monthly payment divided by verified gross monthly income required_inputs: - >- Positive verified gross income and exact proposed terms eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-payment_to_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: liquid_reserve_months dimension_key: income_and_affordability label: Liquid reserve months description: >- Liquid reserve months. Unrestricted liquid funds divided by required monthly outgoings. unit: months formula: >- Unrestricted liquid funds divided by required monthly outgoings required_inputs: - Positive complete essential/housing/debt outgoings - verified liquid balances eligibility: >- Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. borrower_types: - person source_families: - payroll - banking - tax - credit_bureau - application - documents - lender definition_version: 2026-11-06.1 calculation_version: amlok-liquid_reserve_months-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: income_source_count dimension_key: income_stability label: Verified income sources description: >- Verified income sources. Count distinct supported recurring income streams. unit: count formula: Count distinct supported recurring income streams required_inputs: - >- Deduplicated income identities and complete observed window eligibility: >- Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason. borrower_types: - person source_families: - payroll - banking - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-income_source_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: income_volatility dimension_key: income_stability label: Monthly income volatility description: >- Monthly income volatility. Population standard deviation of complete monthly verified income divided by mean. unit: ratio formula: >- Population standard deviation of complete monthly verified income divided by mean required_inputs: - At least six complete months - positive mean - gross/net basis fixed eligibility: >- Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason. borrower_types: - person source_families: - payroll - banking - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-income_volatility-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: income_growth_yoy dimension_key: income_stability label: Income growth year over year description: >- Income growth year over year. Current verified income minus comparable prior-year income, divided by prior-year income. unit: ratio formula: >- Current verified income minus comparable prior-year income, divided by prior-year income required_inputs: - Positive prior income - same income basis and comparable periods eligibility: >- Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason. borrower_types: - person source_families: - payroll - banking - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-income_growth_yoy-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: days_since_last_income dimension_key: income_stability label: Days since last income description: >- Days since last income. Days from most recent verified recurring income receipt to assessment date. unit: days formula: >- Days from most recent verified recurring income receipt to assessment date required_inputs: - Supported receipt and assessment date - missing history is unavailable eligibility: >- Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason. borrower_types: - person source_families: - payroll - banking - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-days_since_last_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: income_interruption_days dimension_key: income_stability label: Income interruption description: >- Income interruption. Days past the next expected income date without a matched receipt. unit: days formula: >- Days past the next expected income date without a matched receipt required_inputs: - >- Documented payment cadence, complete account coverage and nonnegative elapsed interval eligibility: >- Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason. borrower_types: - person source_families: - payroll - banking - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-income_interruption_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: income_continuity_share dimension_key: income_stability label: Income continuity description: >- Income continuity. Expected income periods with a supported receipt divided by elapsed expected periods. unit: ratio formula: >- Expected income periods with a supported receipt divided by elapsed expected periods required_inputs: - Explicit expected cadence and nonzero elapsed periods - missing account coverage cannot count as interruption eligibility: >- Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason. borrower_types: - person source_families: - payroll - banking - tax - documents definition_version: 2026-11-06.1 calculation_version: amlok-income_continuity_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: nsf_event_count dimension_key: payment_behavior label: Insufficient-funds events description: >- Insufficient-funds events. Count distinct supported returned-payment events caused by insufficient funds. unit: count formula: >- Count distinct supported returned-payment events caused by insufficient funds required_inputs: - Return reason evidence - deduplicate event and related fee records eligibility: >- Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage. borrower_types: - business - person source_families: - banking - accounting - credit_bureau - lender definition_version: 2026-11-06.1 calculation_version: amlok-nsf_event_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: overdraft_days dimension_key: payment_behavior label: Overdraft days description: >- Overdraft days. Count covered days with a negative balance in any assessed account. unit: days formula: >- Count covered days with a negative balance in any assessed account required_inputs: - Complete per-account daily balances - union calendar days, not sum across accounts eligibility: >- Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage. borrower_types: - business - person source_families: - banking - accounting - credit_bureau - lender definition_version: 2026-11-06.1 calculation_version: amlok-overdraft_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: returned_payment_amount dimension_key: payment_behavior label: Returned payment amount description: >- Returned payment amount. Sum principal amounts of distinct returned payment events. unit: currency formula: >- Sum principal amounts of distinct returned payment events required_inputs: - Return reason, direction and event linkage - exclude duplicate fees eligibility: >- Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage. borrower_types: - business - person source_families: - banking - accounting - credit_bureau - lender definition_version: 2026-11-06.1 calculation_version: amlok-returned_payment_amount-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: delinquent_obligation_count dimension_key: payment_behavior label: Delinquent obligations description: >- Delinquent obligations. Count verified obligations past due at the assessment date. unit: count formula: >- Count verified obligations past due at the assessment date required_inputs: - >- Due dates, payment allocation and complete supported debt schedule eligibility: >- Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage. borrower_types: - business - person source_families: - banking - accounting - credit_bureau - lender definition_version: 2026-11-06.1 calculation_version: amlok-delinquent_obligation_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: maximum_days_past_due dimension_key: payment_behavior label: Maximum days past due description: >- Maximum days past due. Maximum verified days past due among assessed obligations. unit: days formula: >- Maximum verified days past due among assessed obligations required_inputs: - Known contractual dues and allocated repayments - no delinquency inferred from missing feed eligibility: >- Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage. borrower_types: - business - person source_families: - banking - accounting - credit_bureau - lender definition_version: 2026-11-06.1 calculation_version: amlok-maximum_days_past_due-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: on_time_payment_share dimension_key: payment_behavior label: On-time payment share description: >- On-time payment share. Obligations paid by contractual due date divided by elapsed eligible obligations. unit: ratio formula: >- Obligations paid by contractual due date divided by elapsed eligible obligations required_inputs: - Complete due/payment pairs and positive eligible count eligibility: >- Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage. borrower_types: - business - person source_families: - banking - accounting - credit_bureau - lender definition_version: 2026-11-06.1 calculation_version: amlok-on_time_payment_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: open_credit_obligation_count dimension_key: credit_history label: Open credit obligations description: >- Open credit obligations. Count resolved open obligations in entitled credit evidence. unit: count formula: >- Count resolved open obligations in entitled credit evidence required_inputs: - Current permitted report or lender records - duplicate trades resolved eligibility: >- Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history. borrower_types: - business - person source_families: - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-open_credit_obligation_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: bureau_utilization dimension_key: credit_history label: Reported revolving utilization description: >- Reported revolving utilization. Reported used revolving balances divided by reported limits. unit: ratio formula: >- Reported used revolving balances divided by reported limits required_inputs: - Same-report-date positive limits - disclose bureau coverage and currency eligibility: >- Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history. borrower_types: - business - person source_families: - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-bureau_utilization-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: recent_credit_inquiry_count dimension_key: credit_history label: Recent credit inquiries description: >- Recent credit inquiries. Count supported inquiry events in the requested window. unit: count formula: Count supported inquiry events in the requested window required_inputs: - Entitled report - >- group duplicates/rate-shopping only under disclosed rules eligibility: >- Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history. borrower_types: - business - person source_families: - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-recent_credit_inquiry_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: severe_delinquency_count dimension_key: credit_history label: Severe delinquency events description: >- Severe delinquency events. Count reported obligations meeting institution-defined severe-delinquency criteria. unit: count formula: >- Count reported obligations meeting institution-defined severe-delinquency criteria required_inputs: - >- Current entitled report, criterion version and observation window eligibility: >- Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history. borrower_types: - business - person source_families: - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-severe_delinquency_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: public_record_event_count dimension_key: credit_history label: Relevant public-record events description: >- Relevant public-record events. Count supported relevant insolvency/judgment events in entitled evidence. unit: count formula: >- Count supported relevant insolvency/judgment events in entitled evidence required_inputs: - >- Verified matching, jurisdiction, record date and status - disputed records remain flagged eligibility: >- Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history. borrower_types: - business - person source_families: - credit_bureau - lender - documents definition_version: 2026-11-06.1 calculation_version: amlok-public_record_event_count-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: gross_sales dimension_key: commerce_performance label: Gross sales description: >- Gross sales. Sum eligible sales before refunds and discounts, excluding taxes. unit: currency formula: >- Sum eligible sales before refunds and discounts, excluding taxes required_inputs: - >- Complete store/processor scope and consistent order versus settlement basis eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-gross_sales-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_sales dimension_key: commerce_performance label: Net sales description: >- Net sales. Gross sales minus discounts, cancellations and refunds. unit: currency formula: Gross sales minus discounts, cancellations and refunds required_inputs: - Same sales cohort and recognition window - taxes excluded eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-net_sales-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: average_order_value dimension_key: commerce_performance label: Average order value description: >- Average order value. Net eligible order sales divided by completed noncancelled order count. unit: currency formula: >- Net eligible order sales divided by completed noncancelled order count required_inputs: - Positive comparable order count - order-based rather than settlement data eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-average_order_value-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: repeat_customer_share dimension_key: commerce_performance label: Repeat customer share description: >- Repeat customer share. Customers with more than one completed purchase divided by purchasing customers. unit: ratio formula: >- Customers with more than one completed purchase divided by purchasing customers required_inputs: - >- Stable authorized customer IDs and positive cohort count eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-repeat_customer_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: monthly_recurring_revenue dimension_key: commerce_performance label: Monthly recurring revenue description: >- Monthly recurring revenue. Contracted recurring subscription revenue normalized to a month. unit: currency formula: >- Contracted recurring subscription revenue normalized to a month required_inputs: - >- Active recurring subscriptions, currency and documented usage/discount treatment eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-monthly_recurring_revenue-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: gross_revenue_retention dimension_key: commerce_performance label: Gross revenue retention description: >- Gross revenue retention. Opening recurring revenue minus churn and contraction divided by opening recurring revenue. unit: ratio formula: >- Opening recurring revenue minus churn and contraction divided by opening recurring revenue required_inputs: - Positive opening cohort revenue - expansion excluded eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-gross_revenue_retention-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: net_revenue_retention dimension_key: commerce_performance label: Net revenue retention description: >- Net revenue retention. Opening recurring revenue minus churn/contraction plus expansion divided by opening recurring revenue. unit: ratio formula: >- Opening recurring revenue minus churn/contraction plus expansion divided by opening recurring revenue required_inputs: - >- Same opening customer cohort and positive starting revenue eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-net_revenue_retention-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: settlement_delay_days dimension_key: commerce_performance label: Settlement delay description: >- Settlement delay. Amount-weighted days from captured sale to corresponding bank settlement. unit: days formula: >- Amount-weighted days from captured sale to corresponding bank settlement required_inputs: - Matched eligible captures and settlements - positive settled value eligibility: >- Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. borrower_types: - business source_families: - payments - commerce - subscriptions definition_version: 2026-11-06.1 calculation_version: amlok-settlement_delay_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: payroll_burden_share dimension_key: operating_resilience label: Payroll burden description: >- Payroll burden. Payroll cash cost including employer costs divided by verified revenue. unit: ratio formula: >- Payroll cash cost including employer costs divided by verified revenue required_inputs: - Positive comparable revenue - supported payroll records eligibility: >- Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media. borrower_types: - business source_families: - payroll - inventory - accounting - commerce - logistics definition_version: 2026-11-06.1 calculation_version: amlok-payroll_burden_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: payroll_growth_yoy dimension_key: operating_resilience label: Payroll growth year over year description: >- Payroll growth year over year. Current payroll cost minus prior-year cost divided by prior-year cost. unit: ratio formula: >- Current payroll cost minus prior-year cost divided by prior-year cost required_inputs: - Comparable periods - positive prior payroll - no employee protected attributes eligibility: >- Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media. borrower_types: - business source_families: - payroll - inventory - accounting - commerce - logistics definition_version: 2026-11-06.1 calculation_version: amlok-payroll_growth_yoy-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: inventory_stockout_share dimension_key: operating_resilience label: Inventory stockout share description: >- Inventory stockout share. Observed sellable item-days out of stock divided by observed eligible item-days. unit: ratio formula: >- Observed sellable item-days out of stock divided by observed eligible item-days required_inputs: - Inventory history and eligible active-item scope - positive coverage eligibility: >- Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media. borrower_types: - business source_families: - payroll - inventory - accounting - commerce - logistics definition_version: 2026-11-06.1 calculation_version: amlok-inventory_stockout_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: fulfillment_on_time_share dimension_key: operating_resilience label: On-time fulfillment share description: >- On-time fulfillment share. Fulfilled eligible orders on/before promised date divided by eligible fulfilled orders. unit: ratio formula: >- Fulfilled eligible orders on/before promised date divided by eligible fulfilled orders required_inputs: - Complete order and shipment dates - positive eligible count eligibility: >- Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media. borrower_types: - business source_families: - payroll - inventory - accounting - commerce - logistics definition_version: 2026-11-06.1 calculation_version: amlok-fulfillment_on_time_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: supplier_payment_delay_days dimension_key: operating_resilience label: Supplier payment delay description: >- Supplier payment delay. Amount-weighted days paid after contractual due date for settled trade bills. unit: days formula: >- Amount-weighted days paid after contractual due date for settled trade bills required_inputs: - Matched bill/payment allocations - positive paid amounts - early payments recorded as zero delay eligibility: >- Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media. borrower_types: - business source_families: - payroll - inventory - accounting - commerce - logistics definition_version: 2026-11-06.1 calculation_version: amlok-supplier_payment_delay_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: tax_liability dimension_key: tax_and_compliance label: Reported tax liability description: >- Reported tax liability. Sum supported outstanding assessed tax obligations at the assessment date. unit: currency formula: >- Sum supported outstanding assessed tax obligations at the assessment date required_inputs: - >- Entitled tax/statement evidence with assessed versus estimated status eligibility: >- Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification. borrower_types: - business source_families: - tax - accounting - registry - documents definition_version: 2026-11-06.1 calculation_version: amlok-tax_liability-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: tax_overdue_amount dimension_key: tax_and_compliance label: Overdue tax amount description: >- Overdue tax amount. Sum supported unpaid tax obligations past their due dates. unit: currency formula: >- Sum supported unpaid tax obligations past their due dates required_inputs: - Actual due dates and paid allocations - estimated taxes not treated as arrears eligibility: >- Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification. borrower_types: - business source_families: - tax - accounting - registry - documents definition_version: 2026-11-06.1 calculation_version: amlok-tax_overdue_amount-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: tax_payment_coverage dimension_key: tax_and_compliance label: Tax payment coverage description: >- Tax payment coverage. Payments allocated to due assessed taxes divided by due assessed taxes. unit: ratio formula: >- Payments allocated to due assessed taxes divided by due assessed taxes required_inputs: - Positive due taxes and matched same-period payments eligibility: >- Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification. borrower_types: - business source_families: - tax - accounting - registry - documents definition_version: 2026-11-06.1 calculation_version: amlok-tax_payment_coverage-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: filing_coverage dimension_key: tax_and_compliance label: Filing evidence coverage description: >- Filing evidence coverage. Required filings with supported filing evidence divided by known required filings. unit: ratio formula: >- Required filings with supported filing evidence divided by known required filings required_inputs: - Explicit jurisdiction and obligation inventory - positive required count - not a compliance opinion eligibility: >- Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification. borrower_types: - business source_families: - tax - accounting - registry - documents definition_version: 2026-11-06.1 calculation_version: amlok-filing_coverage-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: bank_accounting_match_share dimension_key: financial_reporting_quality label: Bank-to-books match share description: >- Bank-to-books match share. Matched bank-side absolute value divided by eligible bank-side absolute value. unit: ratio formula: >- Matched bank-side absolute value divided by eligible bank-side absolute value required_inputs: - Same currency/period - positive eligible value - timing/FX/fees reconciled explicitly eligibility: >- Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements. borrower_types: - business source_families: - accounting - banking - documents definition_version: 2026-11-06.1 calculation_version: amlok-bank_accounting_match_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: statement_balance_discrepancy dimension_key: financial_reporting_quality label: Balance-sheet discrepancy description: >- Balance-sheet discrepancy. Assets minus liabilities minus equity. unit: currency formula: Assets minus liabilities minus equity required_inputs: - Same-date complete statement and currency eligibility: >- Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements. borrower_types: - business source_families: - accounting - banking - documents definition_version: 2026-11-06.1 calculation_version: amlok-statement_balance_discrepancy-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: material_adjustment_share dimension_key: financial_reporting_quality label: Material accounting adjustments description: >- Material accounting adjustments. Absolute supported adjustment value divided by absolute pre-adjustment eligible activity. unit: ratio formula: >- Absolute supported adjustment value divided by absolute pre-adjustment eligible activity required_inputs: - Versioned materiality rule - positive activity - journal reversals handled eligibility: >- Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements. borrower_types: - business source_families: - accounting - banking - documents definition_version: 2026-11-06.1 calculation_version: amlok-material_adjustment_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: books_closing_lag_days dimension_key: financial_reporting_quality label: Books closing lag description: >- Books closing lag. Days between accounting period end and supported closing/finalization date. unit: days formula: >- Days between accounting period end and supported closing/finalization date required_inputs: - Both dates - draft or unknown close state yields unavailable eligibility: >- Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements. borrower_types: - business source_families: - accounting - banking - documents definition_version: 2026-11-06.1 calculation_version: amlok-books_closing_lag_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: observed_account_coverage dimension_key: data_quality label: Declared-account coverage description: >- Declared-account coverage. Assessed declared accounts divided by known declared relevant accounts. unit: ratio formula: >- Assessed declared accounts divided by known declared relevant accounts required_inputs: - >- Explicit declared account inventory and positive denominator - not all external accounts eligibility: >- Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts. borrower_types: - business - person source_families: - banking - accounting - payments - commerce - payroll - identity - documents definition_version: 2026-11-06.1 calculation_version: amlok-observed_account_coverage-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: covered_history_days dimension_key: data_quality label: Covered history description: >- Covered history. Count fully covered days across the required source/account set. unit: days formula: >- Count fully covered days across the required source/account set required_inputs: - >- Required source roster and gap-aware observed intervals eligibility: >- Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts. borrower_types: - business - person source_families: - banking - accounting - payments - commerce - payroll - identity - documents definition_version: 2026-11-06.1 calculation_version: amlok-covered_history_days-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: stale_source_share dimension_key: data_quality label: Stale required sources description: >- Stale required sources. Required sources exceeding configured freshness tolerance divided by required sources. unit: ratio formula: >- Required sources exceeding configured freshness tolerance divided by required sources required_inputs: - Nonzero required-source count - source-specific freshness policy eligibility: >- Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts. borrower_types: - business - person source_families: - banking - accounting - payments - commerce - payroll - identity - documents definition_version: 2026-11-06.1 calculation_version: amlok-stale_source_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: unclassified_transaction_share dimension_key: data_quality label: Unclassified transactions description: >- Unclassified transactions. Unclassified eligible transaction count divided by eligible transaction count. unit: ratio formula: >- Unclassified eligible transaction count divided by eligible transaction count required_inputs: - >- Nonzero posted deduplicated population and versioned classification taxonomy eligibility: >- Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts. borrower_types: - business - person source_families: - banking - accounting - payments - commerce - payroll - identity - documents definition_version: 2026-11-06.1 calculation_version: amlok-unclassified_transaction_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: reconciled_value_share dimension_key: data_quality label: Reconciled financial value description: >- Reconciled financial value. Reconciled eligible absolute amount divided by eligible absolute amount. unit: ratio formula: >- Reconciled eligible absolute amount divided by eligible absolute amount required_inputs: - >- Same comparable matching universe and positive denominator eligibility: >- Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts. borrower_types: - business - person source_families: - banking - accounting - payments - commerce - payroll - identity - documents definition_version: 2026-11-06.1 calculation_version: amlok-reconciled_value_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: projected_minimum_cash dimension_key: forecasting_and_stress label: Projected minimum cash description: >- Projected minimum cash. Minimum closing cash in the defined forecast horizon. unit: currency formula: Minimum closing cash in the defined forecast horizon required_inputs: - >- Versioned model or deterministic projection, explicit assumptions, horizon and complete starting balances eligibility: >- Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities. borrower_types: - business - person source_families: - banking - accounting - payroll - application - lender definition_version: 2026-11-06.1 calculation_version: amlok-projected_minimum_cash-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: stress_dscr dimension_key: forecasting_and_stress label: Stressed debt-service coverage description: >- Stressed debt-service coverage. Scenario eligible cash flow divided by scenario existing/proposed debt service. unit: ratio formula: >- Scenario eligible cash flow divided by scenario existing/proposed debt service required_inputs: - >- Explicit parameter shocks, transmission method and positive complete debt service eligibility: >- Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities. borrower_types: - business source_families: - banking - accounting - payroll - application - lender definition_version: 2026-11-06.1 calculation_version: amlok-stress_dscr-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: stress_residual_income dimension_key: forecasting_and_stress label: Stressed residual income description: >- Stressed residual income. Scenario verified net income minus scenario non-overlapping essential/housing/debt outgoings. unit: currency formula: >- Scenario verified net income minus scenario non-overlapping essential/housing/debt outgoings required_inputs: - >- Defined consumer scenario, exact payment terms and complete base components eligibility: >- Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities. borrower_types: - person source_families: - banking - accounting - payroll - application - lender definition_version: 2026-11-06.1 calculation_version: amlok-stress_residual_income-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: liquidity_shortfall dimension_key: forecasting_and_stress label: Projected liquidity shortfall description: >- Projected liquidity shortfall. Maximum of zero and required liquidity floor minus minimum projected cash. unit: currency formula: >- Maximum of zero and required liquidity floor minus minimum projected cash required_inputs: - >- Institution-defined floor and supported forecast horizon - no default-probability interpretation eligibility: >- Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities. borrower_types: - business - person source_families: - banking - accounting - payroll - application - lender definition_version: 2026-11-06.1 calculation_version: amlok-liquidity_shortfall-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: break_even_revenue_decline dimension_key: forecasting_and_stress label: Break-even revenue decline description: >- Break-even revenue decline. Smallest modeled proportional revenue reduction that breaches an explicit capacity threshold. unit: ratio formula: >- Smallest modeled proportional revenue reduction that breaches an explicit capacity threshold required_inputs: - >- Documented cost elasticity, search bounds, institution threshold and scenario model - no universal shock eligibility: >- Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities. borrower_types: - business source_families: - banking - accounting - payroll - application - lender definition_version: 2026-11-06.1 calculation_version: amlok-break_even_revenue_decline-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: related_party_receipts_share dimension_key: relationship_risk label: Related-party receipts share description: >- Related-party receipts share. Identified related-party operating receipts divided by operating receipts. unit: ratio formula: >- Identified related-party operating receipts divided by operating receipts required_inputs: - >- Evidence-supported relationships and positive operating receipts eligibility: >- Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed. borrower_types: - business source_families: - registry - accounting - banking - application definition_version: 2026-11-06.1 calculation_version: amlok-related_party_receipts_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: circular_flow_amount dimension_key: relationship_risk label: Potential circular-flow amount description: >- Potential circular-flow amount. Sum uniquely attributed flow amount in evidence-supported return paths. unit: currency formula: >- Sum uniquely attributed flow amount in evidence-supported return paths required_inputs: - >- Versioned temporal/value matching and unique path attribution - suspicion requires review eligibility: >- Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed. borrower_types: - business source_families: - registry - accounting - banking - application definition_version: 2026-11-06.1 calculation_version: amlok-circular_flow_amount-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: connected_counterparty_share dimension_key: relationship_risk label: Connected-counterparty exposure description: >- Connected-counterparty exposure. Exposure to evidence-linked counterparties divided by total covered counterparty exposure. unit: ratio formula: >- Exposure to evidence-linked counterparties divided by total covered counterparty exposure required_inputs: - >- Authorized relationship graph, positive exposure and declared edge types eligibility: >- Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed. borrower_types: - business source_families: - registry - accounting - banking - application definition_version: 2026-11-06.1 calculation_version: amlok-connected_counterparty_share-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: revenue_change_from_baseline dimension_key: monitoring_change label: Revenue change from baseline description: >- Revenue change from baseline. Current comparable revenue minus baseline revenue divided by baseline revenue. unit: ratio formula: >- Current comparable revenue minus baseline revenue divided by baseline revenue required_inputs: - >- Positive baseline revenue and compatible equal-length windows and calculation versions eligibility: >- Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta. borrower_types: - business source_families: - banking - accounting - payroll - lender definition_version: 2026-11-06.1 calculation_version: amlok-revenue_change_from_baseline-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: liquidity_change_from_baseline dimension_key: monitoring_change label: Liquidity change from baseline description: >- Liquidity change from baseline. Current unrestricted cash minus baseline unrestricted cash. unit: currency formula: >- Current unrestricted cash minus baseline unrestricted cash required_inputs: - >- Compatible account scope, currency, basis and source quality eligibility: >- Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta. borrower_types: - business - person source_families: - banking - accounting - payroll - lender definition_version: 2026-11-06.1 calculation_version: amlok-liquidity_change_from_baseline-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: dscr_change_from_baseline dimension_key: monitoring_change label: DSCR change from baseline description: >- DSCR change from baseline. Current DSCR minus baseline DSCR. unit: ratio formula: Current DSCR minus baseline DSCR required_inputs: - >- Comparable complete schedules, windows, methodology and lending scope eligibility: >- Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta. borrower_types: - business source_families: - banking - accounting - payroll - lender definition_version: 2026-11-06.1 calculation_version: amlok-dscr_change_from_baseline-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. - key: obligation_growth_from_baseline dimension_key: monitoring_change label: Debt change from baseline description: >- Debt change from baseline. Current total debt minus baseline debt divided by baseline debt. unit: ratio formula: >- Current total debt minus baseline debt divided by baseline debt required_inputs: - >- Positive baseline debt, compatible reporting scope and verified obligations eligibility: >- Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta. borrower_types: - business - person source_families: - banking - accounting - payroll - lender definition_version: 2026-11-06.1 calculation_version: amlok-obligation_growth_from_baseline-1 window_rule: >- Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization. unavailable_rule: >- Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero. interpretation: >- Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision. integration_ids: - bank_synthetic operational_profile: id: development-example version: '1' max_json_bytes: 1048576 max_upload_bytes: 20971520 max_document_pages: 200 allowed_document_mime_types: - application/pdf - image/png - image/jpeg - image/webp document_types: - financial_statement - bank_statement - identity_document - business_registration - tax_return - lending_terms - risk_policy - other session_ttl_seconds: 900 download_ttl_seconds: 300 snapshot_ttl_seconds: 3600 data_feed_retention_seconds: 2592000 event_retention_seconds: 2592000 export_retention_seconds: 86400 poll_min_interval_seconds: 5 poll_max_interval_seconds: 60 webhook_timeout_seconds: 10 webhook_max_body_bytes: 65536 webhook_rotation_overlap_seconds: 86400 rate_limits: - group: reads requests: 120 window_seconds: 60 - group: commands requests: 30 window_seconds: 60 - group: uploads requests: 10 window_seconds: 60 embedding_versions: - id: embed_synthetic name: Synthetic borrower Hub integration_ids: - bank_synthetic consent_purposes: - credit_assessment - continuous_monitoring allowed_embed_origins: - https://institution.example.com allowed_return_urls: - https://institution.example.com/connected hub_origin: https://borrower.example.com sandbox: scenario_ids: - happy_path - source_reauthorization - document_required - missing_financial_input - restricted_report - provider_failure - insufficient_credits - monitoring_alert - payment_return - export_failure test_integration_id: bank_synthetic risk_catalog_version: 2026-11-06.1 meta: request_id: req_synthetic schema_version: 1.0.0 environment: sandbox headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '400': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: validation_error message: Validation error. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '401': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: unauthenticated message: Unauthenticated. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '403': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: forbidden message: Forbidden. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '404': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: not_found message: Not found. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '409': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: invalid_state message: Invalid state. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '410': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: cursor_expired message: Cursor expired. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '429': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: rate_limited message: Rate limited. retryable: true request_id: req_synthetic field: null headers: Retry-After: description: Minimum delay in seconds before retry. schema: type: integer minimum: 0 X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '503': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: temporarily_unavailable message: Temporarily unavailable. retryable: true request_id: req_synthetic field: null headers: Retry-After: description: Minimum delay in seconds before retry. schema: type: integer minimum: 0 X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. security: - BearerAuth: [] x-codeSamples: - lang: Shell label: cURL source: |- curl --request GET --fail-with-body --max-time 30 \ "${AMLOK_API_BASE_URL}/v1/configuration" \ --header "Authorization: Bearer ${AMLOK_API_KEY}" \ --header 'Accept: application/json' - lang: Python source: > import os import requests headers = {'Accept': 'application/json'} headers["Authorization"] = "Bearer " + os.environ["AMLOK_API_KEY"] response = requests.request('GET', os.environ["AMLOK_API_BASE_URL"] + '/v1/configuration', headers=headers, timeout=30, allow_redirects=False) response.raise_for_status() print(response.json()) - lang: JavaScript source: > const headers = {"Accept": "application/json"}; headers.Authorization = `Bearer ${process.env.AMLOK_API_KEY}`; const response = await fetch(process.env.AMLOK_API_BASE_URL + "/v1/configuration", { method: "GET", headers, redirect: "error", signal: AbortSignal.timeout(30000) }); if (!response.ok) throw new Error(`HTTP ${response.status}: ${await response.text()}`); console.log(await response.json()); components: schemas: Configuration: type: object properties: products: type: array items: type: string enum: - insights - signal description: >- Products for Configuration. Constraints, requiredness and allowed values are defined by this schema. embedding_version_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- IDs of the published embedding_versions entries. Console owns design; API discovers immutable versions. application_schemas: type: array items: $ref: '#/components/schemas/ConfiguredSchema' description: >- Application schemas for Configuration. Constraints, requiredness and allowed values are defined by this schema. pricing_schemas: type: array items: $ref: '#/components/schemas/ConfiguredSchema' description: >- Pricing schemas for Configuration. Constraints, requiredness and allowed values are defined by this schema. cadences: type: array items: type: object properties: id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. description: type: string minLength: 1 required: - id - description additionalProperties: false description: >- Cadences for Configuration. Constraints, requiredness and allowed values are defined by this schema. dimensions: type: array items: $ref: '#/components/schemas/RiskMetricDefinition' description: >- Entitled scalar metric definitions accepted by PolicyRule.dimension_key. Discovery can be a subset of the public catalog; unsupported or inapplicable policy keys are rejected. No family label is a scalar policy key. integration_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- Integration ids for Configuration. Constraints, requiredness and allowed values are defined by this schema. operational_profile: $ref: '#/components/schemas/OperationalProfile' description: >- Operational profile for Configuration. Constraints, requiredness and allowed values are defined by this schema. embedding_versions: type: array items: $ref: '#/components/schemas/HubVersion' description: >- Embedding versions for Configuration. Constraints, requiredness and allowed values are defined by this schema. sandbox: anyOf: - type: object properties: scenario_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier in the authorized workspace and environment. uniqueItems: true description: >- Scenario identifiers accepted by X-AMLOK-Sandbox-Scenario; only in Sandbox. test_integration_id: type: string minLength: 1 description: >- Synthetic integration available in the Sandbox Hub. No real bank login is required. required: - scenario_ids - test_integration_id additionalProperties: false - type: 'null' description: >- Sandbox for Configuration. Constraints, requiredness and allowed values are defined by this schema. risk_catalog_version: const: 2026-11-06.1 required: - products - embedding_version_ids - application_schemas - pricing_schemas - cadences - dimensions - integration_ids - operational_profile - embedding_versions - sandbox - risk_catalog_version additionalProperties: false description: >- Discover approved configuration for this key. The console manages embedding designs, API keys, webhook destinations and signing secrets. Integration catalog coverage does not by itself grant access. Meta: type: object properties: request_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. schema_version: type: string minLength: 1 description: >- Schema version for Meta. Constraints, requiredness and allowed values are defined by this schema. environment: type: string enum: - sandbox - live description: >- Environment for Meta. Constraints, requiredness and allowed values are defined by this schema. required: - request_id - schema_version - environment additionalProperties: false Error: type: object properties: code: type: string enum: - validation_error - unauthenticated - forbidden - not_found - invalid_state - idempotency_conflict - insufficient_credits - precondition_failed - cursor_expired - rate_limited - temporarily_unavailable - deal_snapshot_conflict - payload_too_large - unsupported_media_type - document_rejected - processing_failed - session_expired - consent_purpose_missing - sandbox_only - scenario_not_available - idempotency_result_expired description: >- Code for Error. Constraints, requiredness and allowed values are defined by this schema. message: type: string minLength: 1 description: >- Message for Error. Constraints, requiredness and allowed values are defined by this schema. retryable: type: boolean description: >- Retryable for Error. Constraints, requiredness and allowed values are defined by this schema. request_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. field: anyOf: - type: string minLength: 1 - type: 'null' description: >- Field for Error. Constraints, requiredness and allowed values are defined by this schema. required: - code - message - retryable - request_id - field additionalProperties: false ConfiguredSchema: type: object properties: id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. version: type: string minLength: 1 description: >- Version for ConfiguredSchema. Constraints, requiredness and allowed values are defined by this schema. json_schema: type: object description: >- JSON Schema 2020-12, enforced server-side. Clients can validate the same definition before submitting. required: - id - version - json_schema additionalProperties: false RiskMetricDefinition: type: object properties: key: type: string minLength: 1 dimension_key: type: string minLength: 1 label: type: string minLength: 1 description: type: string minLength: 1 unit: type: string minLength: 1 formula: type: string minLength: 1 required_inputs: type: array items: type: string minLength: 1 minItems: 1 eligibility: type: string minLength: 1 borrower_types: type: array items: type: string enum: - business - person minItems: 1 source_families: type: array items: type: string minLength: 1 definition_version: const: 2026-11-06.1 calculation_version: type: string minLength: 1 window_rule: type: string minLength: 1 unavailable_rule: type: string minLength: 1 interpretation: type: string minLength: 1 required: - key - dimension_key - label - description - unit - formula - required_inputs - eligibility - borrower_types - source_families - definition_version - calculation_version - window_rule - unavailable_rule - interpretation additionalProperties: false OperationalProfile: type: object properties: id: type: string minLength: 1 description: Opaque identifier for this OperationalProfile record. version: type: string minLength: 1 description: >- Version for OperationalProfile. Constraints, requiredness and allowed values are defined by this schema. max_json_bytes: type: integer minimum: 1 description: Effective configured max json bytes. max_upload_bytes: type: integer minimum: 1 description: Effective configured max upload bytes. max_document_pages: type: integer minimum: 1 description: Effective configured max document pages. allowed_document_mime_types: type: array items: type: string minLength: 1 description: >- Allowed document mime types for OperationalProfile. Constraints, requiredness and allowed values are defined by this schema. document_types: type: array items: type: string minLength: 1 description: >- Document types for OperationalProfile. Constraints, requiredness and allowed values are defined by this schema. session_ttl_seconds: type: integer minimum: 1 description: Effective configured session ttl seconds. download_ttl_seconds: type: integer minimum: 1 description: Effective configured download ttl seconds. snapshot_ttl_seconds: type: integer minimum: 1 description: Effective configured snapshot ttl seconds. data_feed_retention_seconds: type: integer minimum: 1 description: Effective configured data feed retention seconds. event_retention_seconds: type: integer minimum: 1 description: Effective configured event retention seconds. export_retention_seconds: type: integer minimum: 1 description: Effective configured export retention seconds. poll_min_interval_seconds: type: integer minimum: 1 description: Effective configured poll min interval seconds. poll_max_interval_seconds: type: integer minimum: 1 description: Effective configured poll max interval seconds. webhook_timeout_seconds: type: integer minimum: 1 description: Effective configured webhook timeout seconds. webhook_max_body_bytes: type: integer minimum: 1 description: Effective configured webhook max body bytes. webhook_rotation_overlap_seconds: type: integer minimum: 1 description: Effective configured webhook rotation overlap seconds. rate_limits: type: array items: type: object properties: group: type: string enum: - reads - commands - uploads requests: type: integer minimum: 1 description: Allowed requests across all keys in the workspace/environment. window_seconds: type: integer minimum: 1 description: Rolling window length in seconds. required: - group - requests - window_seconds additionalProperties: false description: >- Rate limits for OperationalProfile. Constraints, requiredness and allowed values are defined by this schema. required: - id - version - max_json_bytes - max_upload_bytes - max_document_pages - allowed_document_mime_types - document_types - session_ttl_seconds - download_ttl_seconds - snapshot_ttl_seconds - data_feed_retention_seconds - event_retention_seconds - export_retention_seconds - poll_min_interval_seconds - poll_max_interval_seconds - webhook_timeout_seconds - webhook_max_body_bytes - webhook_rotation_overlap_seconds - rate_limits additionalProperties: false description: >- Effective environment settings, required before accepting traffic. Example values are a development test profile, not production capacity or an SLA. profile id/version freezes interpretation; lifetime fields apply to newly issued resources. HubVersion: type: object properties: id: type: string minLength: 1 description: Opaque identifier in the authorized workspace and environment. name: type: string minLength: 1 description: >- Name for HubVersion. Constraints, requiredness and allowed values are defined by this schema. integration_ids: type: array items: type: string minLength: 1 description: Opaque identifier in the authorized workspace and environment. uniqueItems: true description: Identifiers of the associated authorized records. consent_purposes: type: array items: type: string enum: - credit_assessment - continuous_monitoring minItems: 1 uniqueItems: true description: >- Consent purposes for HubVersion. Constraints, requiredness and allowed values are defined by this schema. allowed_embed_origins: type: array items: type: string minLength: 1 format: uri description: >- Allowed embed origins for HubVersion. Constraints, requiredness and allowed values are defined by this schema. allowed_return_urls: type: array items: type: string minLength: 1 format: uri description: >- Allowed return urls for HubVersion. Constraints, requiredness and allowed values are defined by this schema. hub_origin: type: string minLength: 1 format: uri description: >- Hub origin for HubVersion. Constraints, requiredness and allowed values are defined by this schema. required: - id - name - integration_ids - consent_purposes - allowed_embed_origins - allowed_return_urls - hub_origin additionalProperties: false description: >- Published console configuration visible to this key; origins are exact matches, return URLs match scheme/authority/path and configured query. Fragments and credentials are forbidden. securitySchemes: BearerAuth: type: http scheme: bearer bearerFormat: API key description: >- Server-to-server API key bound to exactly one workspace, institution tenant and environment. No caller-supplied workspace override is accepted. Do not use in public browser code. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.