GET /v1/configuration returns the entitled scalar definitions in dimensions. These are the keys accepted by PolicyRule.dimension_key; a family such as liquidity is not itself a scalar policy field. An API key can have access to a subset of the public catalog.
Ratios are fractions; currency metrics use scope.reporting_currency. Counts and durations are nonnegative; the cash conversion cycle can be negative when suppliers are paid after cash is collected. Unsupported values are null with explicit reasons. Calculation and interpretation rules apply to every entry.
Identity and verification
Identity and account-ownership checks identify inconsistencies; they do not substitute for financial capacity. Sources: identity, registry, banking, documents.business_age_months
Business age ·months · business
Whole calendar months from verified formation date to assessment date.
Required inputs and conditions: Verified formation date; assessment date; business only.
Calculation version: amlok-business_age_months-1.
verified_account_owner_ratio
Verified account ownership share ·ratio · business, person
Accounts with positively matched ownership divided by eligible disclosed connected accounts.
Required inputs and conditions: Account ownership evidence and resolved borrower identity; nonzero eligible-account count.
Calculation version: amlok-verified_account_owner_ratio-1.
Ownership and control
Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership. Sources: registry, identity, accounting, application, documents.ownership_disclosed_ratio
Disclosed ownership share ·ratio · business
Sum of supported non-overlapping ownership fractions in the assessed entity.
Required inputs and conditions: Current ownership register; common share basis; do not double-count direct and indirect paths.
Calculation version: amlok-ownership_disclosed_ratio-1.
related_party_balance_share
Related-party receivables share ·ratio · business
Related-party receivables divided by total receivables.
Required inputs and conditions: Resolved related parties and same-date receivables; positive total receivables.
Calculation version: amlok-related_party_balance_share-1.
supported_guarantee_coverage
Supported guarantee coverage ·ratio · business
Documented collectible guarantee amount capped at exposure divided by exposure.
Required inputs and conditions: Guarantee terms, guarantor assessment, currency and exposure; positive exposure; no unsupported collectible value.
Calculation version: amlok-supported_guarantee_coverage-1.
Cash flow
Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue. Sources: banking, payments, accounting.total_inflows
Posted inflows ·currency · business, person
Sum posted inflow magnitudes before transfer or revenue exclusions.
Required inputs and conditions: Complete eligible transaction set for the window, scope and currency.
Calculation version: amlok-total_inflows-1.
total_outflows
Posted outflows ·currency · business, person
Sum posted outflow magnitudes before transfer or operating exclusions.
Required inputs and conditions: Complete eligible transaction set for the window, scope and currency.
Calculation version: amlok-total_outflows-1.
net_cash_flow
Net cash flow ·currency · business, person
Posted inflows minus posted outflows after consolidation transfer elimination.
Required inputs and conditions: Matched transfers, complete transactions and consistent scope/currency.
Calculation version: amlok-net_cash_flow-1.
operating_cash_inflows
Operating receipts ·currency · business, person
Sum classified operating receipts excluding financing, internal transfers and owner injections.
Required inputs and conditions: Supported transaction classifications and explicit exclusion bridge.
Calculation version: amlok-operating_cash_inflows-1.
operating_cash_outflows
Operating cash payments ·currency · business, person
Sum operating outflows excluding financing principal, capital expenditures and matched transfers.
Required inputs and conditions: Supported classifications and cash-flow basis; interest/tax treatment disclosed.
Calculation version: amlok-operating_cash_outflows-1.
operating_net_cash_flow
Net operating cash flow ·currency · business, person
Operating receipts minus operating cash payments.
Required inputs and conditions: Same-window receipts/outflows and documented classification basis.
Calculation version: amlok-operating_net_cash_flow-1.
internal_transfer_inflows
Internal transfer inflows ·currency · business, person
Sum inflows matched to outflows within the consolidation scope.
Required inputs and conditions: Supported transfer pairs with stable IDs and explicit FX treatment.
Calculation version: amlok-internal_transfer_inflows-1.
financing_inflows
Financing inflows ·currency · business, person
Sum identified debt and equity financing receipts.
Required inputs and conditions: Financing classification and evidence; uncertain receipts remain unclassified.
Calculation version: amlok-financing_inflows-1.
positive_cashflow_month_share
Positive cash-flow months ·ratio · business, person
Complete months with positive net cash flow divided by complete covered months.
Required inputs and conditions: At least three complete months and consistent account scope.
Calculation version: amlok-positive_cashflow_month_share-1.
cashflow_volatility
Operating cash-flow volatility ·ratio · business, person
Population standard deviation of complete monthly net operating cash flow divided by absolute mean.
Required inputs and conditions: At least six complete months; nonzero mean; disclose near-zero denominator sensitivity.
Calculation version: amlok-cashflow_volatility-1.
cashflow_change_90d
Operating cash-flow change ·ratio · business, person
Current 90-day operating net flow minus previous 90-day flow, divided by absolute previous flow.
Required inputs and conditions: Two complete comparable 90-day windows; nonzero previous flow.
Calculation version: amlok-cashflow_change_90d-1.
Liquidity
Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage. Sources: banking, accounting.unrestricted_cash
Unrestricted cash ·currency · business, person
Sum verified cash balances available for use, excluding restricted balances.
Required inputs and conditions: Same-as-of reconciled balances and restriction status.
Calculation version: amlok-unrestricted_cash-1.
average_daily_balance
Average daily cash balance ·currency · business, person
Sum end-of-day balances divided by covered calendar days.
Required inputs and conditions: Complete reconciled daily balances for the selected account scope.
Calculation version: amlok-average_daily_balance-1.
minimum_daily_balance
Minimum daily cash balance ·currency · business, person
Minimum consolidated end-of-day balance.
Required inputs and conditions: Complete comparable daily balances; disclose observed versus reconstructed basis.
Calculation version: amlok-minimum_daily_balance-1.
negative_balance_days
Days below zero ·days · business, person
Count covered days with negative consolidated end-of-day balance.
Required inputs and conditions: Complete daily balance series; no missing day treated as zero.
Calculation version: amlok-negative_balance_days-1.
cash_buffer_days
Cash buffer ·days · business, person
Unrestricted cash divided by mean daily essential cash outflows.
Required inputs and conditions: Positive essential-outflow denominator; current cash; documented window and exclusions.
Calculation version: amlok-cash_buffer_days-1.
current_ratio
Current ratio ·ratio · business
Current assets divided by current liabilities.
Required inputs and conditions: Same-date classified balance sheet; positive current liabilities.
Calculation version: amlok-current_ratio-1.
quick_ratio
Quick ratio ·ratio · business
Cash plus short-term investments plus eligible receivables, divided by current liabilities.
Required inputs and conditions: Same-date asset/liability classifications; positive current liabilities.
Calculation version: amlok-quick_ratio-1.
cash_ratio
Cash ratio ·ratio · business
Unrestricted cash and cash equivalents divided by current liabilities.
Required inputs and conditions: Same-date balances; positive current liabilities.
Calculation version: amlok-cash_ratio-1.
Revenue quality
Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales. Sources: banking, payments, commerce, accounting.verified_revenue
Verified revenue ·currency · business
Sum supported revenue on the declared cash or accrual basis after exclusions.
Required inputs and conditions: Reconciled bank, accounting or commerce evidence; taxes, financing and transfers excluded.
Calculation version: amlok-verified_revenue-1.
recurring_revenue_share
Recurring revenue share ·ratio · business
Supported recurring revenue divided by total verified revenue.
Required inputs and conditions: Defined recurrence rule and matched periods; positive total revenue.
Calculation version: amlok-recurring_revenue_share-1.
revenue_growth_yoy
Revenue growth year over year ·ratio · business
Current-period revenue minus prior-year comparable revenue, divided by prior-year revenue.
Required inputs and conditions: Comparable periods separated by one year; positive prior revenue.
Calculation version: amlok-revenue_growth_yoy-1.
revenue_growth_90d
Revenue growth over 90 days ·ratio · business
Current 90-day revenue minus preceding 90-day revenue, divided by preceding revenue.
Required inputs and conditions: Two complete 90-day periods; positive prior revenue.
Calculation version: amlok-revenue_growth_90d-1.
revenue_volatility
Monthly revenue volatility ·ratio · business
Population standard deviation of monthly revenue divided by mean monthly revenue.
Required inputs and conditions: At least six complete months; positive mean; consistent recognition basis.
Calculation version: amlok-revenue_volatility-1.
refund_amount_share
Refund amount share ·ratio · business
Refunded sales amount divided by eligible gross sales amount.
Required inputs and conditions: Matched sales/refund cohort and treatment of late refunds; positive gross sales.
Calculation version: amlok-refund_amount_share-1.
chargeback_amount_share
Chargeback amount share ·ratio · business
Disputed chargeback amount divided by eligible processed sales amount.
Required inputs and conditions: Matched processing cohort and consistent chargeback stage; positive denominator.
Calculation version: amlok-chargeback_amount_share-1.
revenue_cash_realization
Revenue cash realization ·ratio · business
Matched collections on recognized sales divided by recognized sales.
Required inputs and conditions: Defined collection horizon and sales cohort; positive recognized sales; not raw deposits/revenue.
Calculation version: amlok-revenue_cash_realization-1.
unverified_receipts_share
Unverified receipts share ·ratio · business
Unclassified or unsupported operating-like receipts divided by total candidate receipts.
Required inputs and conditions: Classification coverage and positive candidate receipts.
Calculation version: amlok-unverified_receipts_share-1.
nonrecurring_revenue_share
Nonrecurring revenue share ·ratio · business
Identified nonrecurring revenue divided by verified revenue.
Required inputs and conditions: Versioned recurrence criteria and positive revenue.
Calculation version: amlok-nonrecurring_revenue_share-1.
Profitability
Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone. Sources: accounting, tax, documents.gross_profit
Gross profit ·currency · business
Recognized revenue minus cost of goods sold.
Required inputs and conditions: Same-period income statement with classified COGS.
Calculation version: amlok-gross_profit-1.
gross_margin
Gross margin ·ratio · business
Gross profit divided by recognized revenue.
Required inputs and conditions: Positive revenue and consistent accounting basis.
Calculation version: amlok-gross_margin-1.
ebitda
EBITDA ·currency · business
Net income plus income tax expense, interest expense, depreciation and amortization.
Required inputs and conditions: Complete supported statement line items; no automatic discretionary addbacks.
Calculation version: amlok-ebitda-1.
ebitda_margin
EBITDA margin ·ratio · business
EBITDA divided by recognized revenue.
Required inputs and conditions: Positive revenue and supported EBITDA.
Calculation version: amlok-ebitda_margin-1.
operating_profit
Operating profit ·currency · business
Revenue minus COGS and operating expenses.
Required inputs and conditions: Complete same-period operating statement; financing excluded.
Calculation version: amlok-operating_profit-1.
operating_margin
Operating margin ·ratio · business
Operating profit divided by revenue.
Required inputs and conditions: Positive recognized revenue.
Calculation version: amlok-operating_margin-1.
net_profit
Net profit ·currency · business
Total recognized income minus all recognized expenses.
Required inputs and conditions: Complete statement on declared accounting basis.
Calculation version: amlok-net_profit-1.
net_margin
Net margin ·ratio · business
Net profit divided by recognized revenue.
Required inputs and conditions: Positive recognized revenue.
Calculation version: amlok-net_margin-1.
free_cash_flow
Free cash flow ·currency · business
Operating cash flow minus cash capital expenditures.
Required inputs and conditions: Reconciled cash-flow statement or supported cash reconstruction; no debt proceeds.
Calculation version: amlok-free_cash_flow-1.
return_on_assets
Return on assets ·ratio · business
Period net profit divided by mean opening and closing total assets.
Required inputs and conditions: Positive average assets and complete period; disclose annualization, never apply silently.
Calculation version: amlok-return_on_assets-1.
Working capital
Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit. Sources: accounting, commerce, inventory.net_working_capital
Net working capital ·currency · business
Current assets minus current liabilities.
Required inputs and conditions: Same-date classified balance sheet.
Calculation version: amlok-net_working_capital-1.
receivables_days
Receivable days ·days · business
Average trade receivables divided by credit sales, multiplied by period days.
Required inputs and conditions: Positive credit sales; opening/closing receivables; same accounting period.
Calculation version: amlok-receivables_days-1.
payables_days
Payable days ·days · business
Average trade payables divided by credit purchases, multiplied by period days.
Required inputs and conditions: Positive credit purchases; opening/closing payables; do not substitute COGS silently.
Calculation version: amlok-payables_days-1.
inventory_days
Inventory days ·days · business
Average inventory divided by COGS, multiplied by period days.
Required inputs and conditions: Positive COGS; opening/closing comparable inventory valuation.
Calculation version: amlok-inventory_days-1.
cash_conversion_cycle
Cash conversion cycle ·days · business
Receivable days plus inventory days minus payable days.
Required inputs and conditions: All three components available on comparable periods and basis.
Calculation version: amlok-cash_conversion_cycle-1.
ar_overdue_share
Overdue receivables share ·ratio · business
Overdue collectible trade receivables divided by total collectible trade receivables.
Required inputs and conditions: Due dates and same-as-of open balances; positive receivables.
Calculation version: amlok-ar_overdue_share-1.
ar_90_plus_share
Receivables over 90 days past due ·ratio · business
Receivables more than 90 days past due divided by total trade receivables.
Required inputs and conditions: Aging based on due date, not invoice date; positive receivables.
Calculation version: amlok-ar_90_plus_share-1.
ap_overdue_share
Overdue payables share ·ratio · business
Overdue trade payables divided by total trade payables.
Required inputs and conditions: Due dates and open balances; positive payables.
Calculation version: amlok-ap_overdue_share-1.
inventory_turnover
Inventory turnover ·ratio · business
Period COGS divided by average inventory.
Required inputs and conditions: Positive comparable inventory and supported COGS.
Calculation version: amlok-inventory_turnover-1.
Debt and leverage
Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero. Sources: accounting, banking, credit_bureau, lender, documents.total_debt
Total interest-bearing debt ·currency · business, person
Sum outstanding principal of resolved interest-bearing obligations.
Required inputs and conditions: Complete disclosed and supported debt inventory; leases treatment explicit.
Calculation version: amlok-total_debt-1.
net_debt
Net debt ·currency · business, person
Total debt minus unrestricted cash eligible for offset.
Required inputs and conditions: Same-as-of currency and consolidated scope.
Calculation version: amlok-net_debt-1.
debt_to_assets
Debt to assets ·ratio · business
Total interest-bearing debt divided by total assets.
Required inputs and conditions: Positive total assets and matched scope; excludes non-debt liabilities by definition.
Calculation version: amlok-debt_to_assets-1.
debt_to_equity
Debt to equity ·ratio · business
Total debt divided by equity.
Required inputs and conditions: Positive equity; zero/negative equity produces unavailable ratio and a separate finding.
Calculation version: amlok-debt_to_equity-1.
net_debt_to_ebitda
Net debt to EBITDA ·ratio · business
Net debt divided by trailing-12-month EBITDA.
Required inputs and conditions: Positive EBITDA and complete 12-month period.
Calculation version: amlok-net_debt_to_ebitda-1.
credit_utilization
Revolving credit utilization ·ratio · business, person
Used revolving principal divided by committed revolving limits.
Required inputs and conditions: Positive known limits; distinguish drawn balances from pending authorizations.
Calculation version: amlok-credit_utilization-1.
short_term_debt_share
Debt due within one year ·ratio · business, person
Principal contractually due within 365 days divided by total debt.
Required inputs and conditions: Complete maturity schedule and positive total debt.
Calculation version: amlok-short_term_debt_share-1.
debt_maturing_90d
Debt maturing within 90 days ·currency · business, person
Sum principal contractually due within the next 90 days.
Required inputs and conditions: Complete maturity schedule including balloon payments.
Calculation version: amlok-debt_maturing_90d-1.
Repayment capacity
Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms. Sources: banking, accounting, lender, application, documents.dscr
Cash-flow debt-service coverage ·ratio · business
Eligible cash flow available for debt service divided by existing plus proposed contractual debt service.
Required inputs and conditions: Complete eligible cash-flow bridge and existing/proposed principal, interest and mandatory debt fees for the same period; positive debt service.
Calculation version: amlok-dscr-1.
fixed_charge_coverage
Fixed-charge coverage ·ratio · business
Cash flow before the specified fixed charges divided by those fixed charges.
Required inputs and conditions: Explicit non-overlapping charge set, including leases where applicable; positive charges.
Calculation version: amlok-fixed_charge_coverage-1.
interest_coverage
Interest coverage ·ratio · business
EBIT divided by interest expense.
Required inputs and conditions: Supported same-period EBIT and positive interest expense.
Calculation version: amlok-interest_coverage-1.
existing_debt_service
Existing debt service ·currency · business
Sum existing contractual principal, interest and mandatory debt fees over the assessment window.
Required inputs and conditions: Complete schedule; variable and balloon assumptions explicit.
Calculation version: amlok-existing_debt_service-1.
proposed_debt_service
Proposed debt service ·currency · business
Sum proposed contractual principal, interest and mandatory debt fees over the assessment window.
Required inputs and conditions: Exact proposed product terms, amount, rate, amortization, fees and timing.
Calculation version: amlok-proposed_debt_service-1.
total_debt_service
Total debt service ·currency · business
Existing plus proposed debt service with duplicates removed.
Required inputs and conditions: Comparable complete schedules and shared currency.
Calculation version: amlok-total_debt_service-1.
residual_cash_after_debt
Cash after debt service ·currency · business
Eligible cash available for debt service minus total debt service.
Required inputs and conditions: Supported cash-flow bridge and complete obligations.
Calculation version: amlok-residual_cash_after_debt-1.
debt_service_headroom
Debt-service headroom ·currency · business
Eligible cash flow divided by institution DSCR requirement, minus total debt service.
Required inputs and conditions: Positive institution-approved DSCR threshold and complete components; analytical capacity, not an offer.
Calculation version: amlok-debt_service_headroom-1.
debt_payment_to_receipts
Debt payments to operating receipts ·ratio · business
Observed debt payments divided by operating cash receipts.
Required inputs and conditions: Positive receipts; payments classified with evidence; not a substitute for DSCR.
Calculation version: amlok-debt_payment_to_receipts-1.
Concentration
Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket. Sources: accounting, payments, commerce, payroll, banking.top_customer_share
Largest customer share ·ratio · business
Largest resolved customer revenue divided by covered customer revenue.
Required inputs and conditions: Positive covered revenue and disclosed unknown-counterparty share.
Calculation version: amlok-top_customer_share-1.
top_five_customer_share
Top five customer share ·ratio · business
Revenue of five largest resolved customers divided by covered customer revenue.
Required inputs and conditions: Positive covered revenue; fewer than five uses all resolved customers.
Calculation version: amlok-top_five_customer_share-1.
top_supplier_share
Largest supplier share ·ratio · business
Largest resolved supplier spend divided by covered supplier spend.
Required inputs and conditions: Positive supplier spend and explicit coverage.
Calculation version: amlok-top_supplier_share-1.
top_channel_share
Largest sales channel share ·ratio · business
Largest channel revenue divided by total covered channel revenue.
Required inputs and conditions: Positive channel revenue; no duplicated cross-platform sales.
Calculation version: amlok-top_channel_share-1.
customer_hhi
Customer concentration index ·ratio · business
Sum squared customer revenue fractions on a 0-to-1 scale.
Required inputs and conditions: Complete resolved customer allocation or explicit partial coverage; unknown is not one customer.
Calculation version: amlok-customer_hhi-1.
income_source_hhi
Income-source concentration index ·ratio · person
Sum squared verified income-source fractions on a 0-to-1 scale.
Required inputs and conditions: Positive verified income and resolved income streams.
Calculation version: amlok-income_source_hhi-1.
Collateral and security
Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee. Sources: collateral, registry, lender, accounting, documents.collateral_ltv
Loan to collateral value ·ratio · business, person
Assessed facility exposure divided by supported collateral valuation.
Required inputs and conditions: Positive eligible valuation with valuation date, currency and ownership.
Calculation version: amlok-collateral_ltv-1.
combined_ltv
Combined loan to value ·ratio · business, person
All known secured claims including proposed exposure divided by collateral value.
Required inputs and conditions: Positive valuation and complete supported lien/priority inventory.
Calculation version: amlok-combined_ltv-1.
collateral_coverage
Collateral coverage ·ratio · business, person
Eligible realizable collateral value after approved haircuts divided by secured exposure.
Required inputs and conditions: Positive exposure, documented haircut and enforceability assumptions.
Calculation version: amlok-collateral_coverage-1.
eligible_receivables
Eligible borrowing-base receivables ·currency · business
Sum receivables meeting institution eligibility and concentration rules.
Required inputs and conditions: Versioned borrowing-base rules, aging, dilution and prior-pledge evidence.
Calculation version: amlok-eligible_receivables-1.
collateral_haircut_ratio
Collateral haircut ·ratio · business, person
Gross eligible valuation minus supported realizable valuation, divided by gross valuation.
Required inputs and conditions: Positive valuation and disclosed approved valuation/haircut method.
Calculation version: amlok-collateral_haircut_ratio-1.
Fraud and consistency
Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values. Sources: documents, banking, accounting, payments, identity.reconciliation_break_share
Unreconciled value share ·ratio · business, person
Unmatched absolute value divided by eligible source-side absolute value.
Required inputs and conditions: Comparable transaction populations, period, currency and matching tolerance.
Calculation version: amlok-reconciliation_break_share-1.
duplicate_transaction_share
Duplicate transaction share ·ratio · business, person
Confirmed duplicate records divided by examined records before deduplication.
Required inputs and conditions: Nonzero examined records and documented duplicate criteria.
Calculation version: amlok-duplicate_transaction_share-1.
document_contradiction_count
Document contradictions ·count · business, person
Count distinct supported inconsistencies between comparable document fields.
Required inputs and conditions: Document-level findings with page/field evidence; a signal is not proof of fraud.
Calculation version: amlok-document_contradiction_count-1.
identity_mismatch_count
Unresolved identity mismatches ·count · business, person
Count distinct unresolved mismatches across supported borrower identity attributes.
Required inputs and conditions: Comparable identity sources; absent attributes are missing, not mismatched.
Calculation version: amlok-identity_mismatch_count-1.
declared_income_gap_ratio
Declared-to-verified income gap ·ratio · business, person
Declared income minus verified comparable income, divided by verified income.
Required inputs and conditions: Positive verified income; same gross/net basis, currency, scope and period.
Calculation version: amlok-declared_income_gap_ratio-1.
Income and affordability
Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice. Sources: payroll, banking, tax, credit_bureau, application, documents, lender.verified_gross_monthly_income
Verified gross monthly income ·currency · person
Supported recurring pretax income normalized to one calendar month.
Required inputs and conditions: Payroll, tax or supported gross-income evidence; net deposits alone do not establish gross income.
Calculation version: amlok-verified_gross_monthly_income-1.
verified_net_monthly_income
Verified net monthly income ·currency · person
Supported recurring after-deduction income normalized to one calendar month.
Required inputs and conditions: Verified income streams, recurrence and calendar conversion; transfers excluded.
Calculation version: amlok-verified_net_monthly_income-1.
debt_to_income
Debt to income ·ratio · person
Existing plus proposed required monthly debt payments divided by verified gross monthly income.
Required inputs and conditions: Positive verified gross income and complete monthly obligations; housing treatment explicit.
Calculation version: amlok-debt_to_income-1.
housing_to_income
Housing cost to income ·ratio · person
Required monthly housing cost divided by verified gross monthly income.
Required inputs and conditions: Positive gross income; rent/mortgage/tax/insurance/components explicit.
Calculation version: amlok-housing_to_income-1.
essential_monthly_spend
Essential monthly expenditure ·currency · person
Sum evidenced essential non-debt spending normalized to one month.
Required inputs and conditions: Versioned institution expense taxonomy; exclude sensitive merchant categories and avoid housing/debt duplication.
Calculation version: amlok-essential_monthly_spend-1.
residual_monthly_income
Residual monthly income ·currency · person
Verified net income minus essential spending, housing and existing/proposed debt payments.
Required inputs and conditions: Complete non-overlapping monthly expense/obligation set.
Calculation version: amlok-residual_monthly_income-1.
payment_to_income
Proposed payment to income ·ratio · person
Proposed required monthly payment divided by verified gross monthly income.
Required inputs and conditions: Positive verified gross income and exact proposed terms.
Calculation version: amlok-payment_to_income-1.
liquid_reserve_months
Liquid reserve months ·months · person
Unrestricted liquid funds divided by required monthly outgoings.
Required inputs and conditions: Positive complete essential/housing/debt outgoings; verified liquid balances.
Calculation version: amlok-liquid_reserve_months-1.
Income stability
Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason. Sources: payroll, banking, tax, documents.income_source_count
Verified income sources ·count · person
Count distinct supported recurring income streams.
Required inputs and conditions: Deduplicated income identities and complete observed window.
Calculation version: amlok-income_source_count-1.
income_volatility
Monthly income volatility ·ratio · person
Population standard deviation of complete monthly verified income divided by mean.
Required inputs and conditions: At least six complete months; positive mean; gross/net basis fixed.
Calculation version: amlok-income_volatility-1.
income_growth_yoy
Income growth year over year ·ratio · person
Current verified income minus comparable prior-year income, divided by prior-year income.
Required inputs and conditions: Positive prior income; same income basis and comparable periods.
Calculation version: amlok-income_growth_yoy-1.
days_since_last_income
Days since last income ·days · person
Days from most recent verified recurring income receipt to assessment date.
Required inputs and conditions: Supported receipt and assessment date; missing history is unavailable.
Calculation version: amlok-days_since_last_income-1.
income_interruption_days
Income interruption ·days · person
Days past the next expected income date without a matched receipt.
Required inputs and conditions: Documented payment cadence, complete account coverage and nonnegative elapsed interval.
Calculation version: amlok-income_interruption_days-1.
income_continuity_share
Income continuity ·ratio · person
Expected income periods with a supported receipt divided by elapsed expected periods.
Required inputs and conditions: Explicit expected cadence and nonzero elapsed periods; missing account coverage cannot count as interruption.
Calculation version: amlok-income_continuity_share-1.
Payment behavior
Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage. Sources: banking, accounting, credit_bureau, lender.nsf_event_count
Insufficient-funds events ·count · business, person
Count distinct supported returned-payment events caused by insufficient funds.
Required inputs and conditions: Return reason evidence; deduplicate event and related fee records.
Calculation version: amlok-nsf_event_count-1.
overdraft_days
Overdraft days ·days · business, person
Count covered days with a negative balance in any assessed account.
Required inputs and conditions: Complete per-account daily balances; union calendar days, not sum across accounts.
Calculation version: amlok-overdraft_days-1.
returned_payment_amount
Returned payment amount ·currency · business, person
Sum principal amounts of distinct returned payment events.
Required inputs and conditions: Return reason, direction and event linkage; exclude duplicate fees.
Calculation version: amlok-returned_payment_amount-1.
delinquent_obligation_count
Delinquent obligations ·count · business, person
Count verified obligations past due at the assessment date.
Required inputs and conditions: Due dates, payment allocation and complete supported debt schedule.
Calculation version: amlok-delinquent_obligation_count-1.
maximum_days_past_due
Maximum days past due ·days · business, person
Maximum verified days past due among assessed obligations.
Required inputs and conditions: Known contractual dues and allocated repayments; no delinquency inferred from missing feed.
Calculation version: amlok-maximum_days_past_due-1.
on_time_payment_share
On-time payment share ·ratio · business, person
Obligations paid by contractual due date divided by elapsed eligible obligations.
Required inputs and conditions: Complete due/payment pairs and positive eligible count.
Calculation version: amlok-on_time_payment_share-1.
Credit history
Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history. Sources: credit_bureau, lender, documents.open_credit_obligation_count
Open credit obligations ·count · business, person
Count resolved open obligations in entitled credit evidence.
Required inputs and conditions: Current permitted report or lender records; duplicate trades resolved.
Calculation version: amlok-open_credit_obligation_count-1.
bureau_utilization
Reported revolving utilization ·ratio · business, person
Reported used revolving balances divided by reported limits.
Required inputs and conditions: Same-report-date positive limits; disclose bureau coverage and currency.
Calculation version: amlok-bureau_utilization-1.
recent_credit_inquiry_count
Recent credit inquiries ·count · business, person
Count supported inquiry events in the requested window.
Required inputs and conditions: Entitled report; group duplicates/rate-shopping only under disclosed rules.
Calculation version: amlok-recent_credit_inquiry_count-1.
severe_delinquency_count
Severe delinquency events ·count · business, person
Count reported obligations meeting institution-defined severe-delinquency criteria.
Required inputs and conditions: Current entitled report, criterion version and observation window.
Calculation version: amlok-severe_delinquency_count-1.
public_record_event_count
Relevant public-record events ·count · business, person
Count supported relevant insolvency/judgment events in entitled evidence.
Required inputs and conditions: Verified matching, jurisdiction, record date and status; disputed records remain flagged.
Calculation version: amlok-public_record_event_count-1.
Commerce and subscriptions
Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort. Sources: payments, commerce, subscriptions.gross_sales
Gross sales ·currency · business
Sum eligible sales before refunds and discounts, excluding taxes.
Required inputs and conditions: Complete store/processor scope and consistent order versus settlement basis.
Calculation version: amlok-gross_sales-1.
net_sales
Net sales ·currency · business
Gross sales minus discounts, cancellations and refunds.
Required inputs and conditions: Same sales cohort and recognition window; taxes excluded.
Calculation version: amlok-net_sales-1.
average_order_value
Average order value ·currency · business
Net eligible order sales divided by completed noncancelled order count.
Required inputs and conditions: Positive comparable order count; order-based rather than settlement data.
Calculation version: amlok-average_order_value-1.
repeat_customer_share
Repeat customer share ·ratio · business
Customers with more than one completed purchase divided by purchasing customers.
Required inputs and conditions: Stable authorized customer IDs and positive cohort count.
Calculation version: amlok-repeat_customer_share-1.
monthly_recurring_revenue
Monthly recurring revenue ·currency · business
Contracted recurring subscription revenue normalized to a month.
Required inputs and conditions: Active recurring subscriptions, currency and documented usage/discount treatment.
Calculation version: amlok-monthly_recurring_revenue-1.
gross_revenue_retention
Gross revenue retention ·ratio · business
Opening recurring revenue minus churn and contraction divided by opening recurring revenue.
Required inputs and conditions: Positive opening cohort revenue; expansion excluded.
Calculation version: amlok-gross_revenue_retention-1.
net_revenue_retention
Net revenue retention ·ratio · business
Opening recurring revenue minus churn/contraction plus expansion divided by opening recurring revenue.
Required inputs and conditions: Same opening customer cohort and positive starting revenue.
Calculation version: amlok-net_revenue_retention-1.
settlement_delay_days
Settlement delay ·days · business
Amount-weighted days from captured sale to corresponding bank settlement.
Required inputs and conditions: Matched eligible captures and settlements; positive settled value.
Calculation version: amlok-settlement_delay_days-1.
Operating resilience
Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media. Sources: payroll, inventory, accounting, commerce, logistics.payroll_burden_share
Payroll burden ·ratio · business
Payroll cash cost including employer costs divided by verified revenue.
Required inputs and conditions: Positive comparable revenue; supported payroll records.
Calculation version: amlok-payroll_burden_share-1.
payroll_growth_yoy
Payroll growth year over year ·ratio · business
Current payroll cost minus prior-year cost divided by prior-year cost.
Required inputs and conditions: Comparable periods; positive prior payroll; no employee protected attributes.
Calculation version: amlok-payroll_growth_yoy-1.
inventory_stockout_share
Inventory stockout share ·ratio · business
Observed sellable item-days out of stock divided by observed eligible item-days.
Required inputs and conditions: Inventory history and eligible active-item scope; positive coverage.
Calculation version: amlok-inventory_stockout_share-1.
fulfillment_on_time_share
On-time fulfillment share ·ratio · business
Fulfilled eligible orders on/before promised date divided by eligible fulfilled orders.
Required inputs and conditions: Complete order and shipment dates; positive eligible count.
Calculation version: amlok-fulfillment_on_time_share-1.
supplier_payment_delay_days
Supplier payment delay ·days · business
Amount-weighted days paid after contractual due date for settled trade bills.
Required inputs and conditions: Matched bill/payment allocations; positive paid amounts; early payments recorded as zero delay.
Calculation version: amlok-supplier_payment_delay_days-1.
Tax and statutory obligations
Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification. Sources: tax, accounting, registry, documents.tax_liability
Reported tax liability ·currency · business
Sum supported outstanding assessed tax obligations at the assessment date.
Required inputs and conditions: Entitled tax/statement evidence with assessed versus estimated status.
Calculation version: amlok-tax_liability-1.
tax_overdue_amount
Overdue tax amount ·currency · business
Sum supported unpaid tax obligations past their due dates.
Required inputs and conditions: Actual due dates and paid allocations; estimated taxes not treated as arrears.
Calculation version: amlok-tax_overdue_amount-1.
tax_payment_coverage
Tax payment coverage ·ratio · business
Payments allocated to due assessed taxes divided by due assessed taxes.
Required inputs and conditions: Positive due taxes and matched same-period payments.
Calculation version: amlok-tax_payment_coverage-1.
filing_coverage
Filing evidence coverage ·ratio · business
Required filings with supported filing evidence divided by known required filings.
Required inputs and conditions: Explicit jurisdiction and obligation inventory; positive required count; not a compliance opinion.
Calculation version: amlok-filing_coverage-1.
Financial reporting quality
Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements. Sources: accounting, banking, documents.bank_accounting_match_share
Bank-to-books match share ·ratio · business
Matched bank-side absolute value divided by eligible bank-side absolute value.
Required inputs and conditions: Same currency/period; positive eligible value; timing/FX/fees reconciled explicitly.
Calculation version: amlok-bank_accounting_match_share-1.
statement_balance_discrepancy
Balance-sheet discrepancy ·currency · business
Assets minus liabilities minus equity.
Required inputs and conditions: Same-date complete statement and currency.
Calculation version: amlok-statement_balance_discrepancy-1.
material_adjustment_share
Material accounting adjustments ·ratio · business
Absolute supported adjustment value divided by absolute pre-adjustment eligible activity.
Required inputs and conditions: Versioned materiality rule; positive activity; journal reversals handled.
Calculation version: amlok-material_adjustment_share-1.
books_closing_lag_days
Books closing lag ·days · business
Days between accounting period end and supported closing/finalization date.
Required inputs and conditions: Both dates; draft or unknown close state yields unavailable.
Calculation version: amlok-books_closing_lag_days-1.
Data quality and coverage
Describe observed coverage against declared/required sources; never imply visibility into all of a borrower’s external accounts. Sources: banking, accounting, payments, commerce, payroll, identity, documents.observed_account_coverage
Declared-account coverage ·ratio · business, person
Assessed declared accounts divided by known declared relevant accounts.
Required inputs and conditions: Explicit declared account inventory and positive denominator; not all external accounts.
Calculation version: amlok-observed_account_coverage-1.
covered_history_days
Covered history ·days · business, person
Count fully covered days across the required source/account set.
Required inputs and conditions: Required source roster and gap-aware observed intervals.
Calculation version: amlok-covered_history_days-1.
stale_source_share
Stale required sources ·ratio · business, person
Required sources exceeding configured freshness tolerance divided by required sources.
Required inputs and conditions: Nonzero required-source count; source-specific freshness policy.
Calculation version: amlok-stale_source_share-1.
unclassified_transaction_share
Unclassified transactions ·ratio · business, person
Unclassified eligible transaction count divided by eligible transaction count.
Required inputs and conditions: Nonzero posted deduplicated population and versioned classification taxonomy.
Calculation version: amlok-unclassified_transaction_share-1.
reconciled_value_share
Reconciled financial value ·ratio · business, person
Reconciled eligible absolute amount divided by eligible absolute amount.
Required inputs and conditions: Same comparable matching universe and positive denominator.
Calculation version: amlok-reconciled_value_share-1.
Forecasting and stress
Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities. Sources: banking, accounting, payroll, application, lender.projected_minimum_cash
Projected minimum cash ·currency · business, person
Minimum closing cash in the defined forecast horizon.
Required inputs and conditions: Versioned model or deterministic projection, explicit assumptions, horizon and complete starting balances.
Calculation version: amlok-projected_minimum_cash-1.
stress_dscr
Stressed debt-service coverage ·ratio · business
Scenario eligible cash flow divided by scenario existing/proposed debt service.
Required inputs and conditions: Explicit parameter shocks, transmission method and positive complete debt service.
Calculation version: amlok-stress_dscr-1.
stress_residual_income
Stressed residual income ·currency · person
Scenario verified net income minus scenario non-overlapping essential/housing/debt outgoings.
Required inputs and conditions: Defined consumer scenario, exact payment terms and complete base components.
Calculation version: amlok-stress_residual_income-1.
liquidity_shortfall
Projected liquidity shortfall ·currency · business, person
Maximum of zero and required liquidity floor minus minimum projected cash.
Required inputs and conditions: Institution-defined floor and supported forecast horizon; no default-probability interpretation.
Calculation version: amlok-liquidity_shortfall-1.
break_even_revenue_decline
Break-even revenue decline ·ratio · business
Smallest modeled proportional revenue reduction that breaches an explicit capacity threshold.
Required inputs and conditions: Documented cost elasticity, search bounds, institution threshold and scenario model; no universal shock.
Calculation version: amlok-break_even_revenue_decline-1.
Related-party and network exposure
Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed. Sources: registry, accounting, banking, application.related_party_receipts_share
Related-party receipts share ·ratio · business
Identified related-party operating receipts divided by operating receipts.
Required inputs and conditions: Evidence-supported relationships and positive operating receipts.
Calculation version: amlok-related_party_receipts_share-1.
circular_flow_amount
Potential circular-flow amount ·currency · business
Sum uniquely attributed flow amount in evidence-supported return paths.
Required inputs and conditions: Versioned temporal/value matching and unique path attribution; suspicion requires review.
Calculation version: amlok-circular_flow_amount-1.
connected_counterparty_share
Connected-counterparty exposure ·ratio · business
Exposure to evidence-linked counterparties divided by total covered counterparty exposure.
Required inputs and conditions: Authorized relationship graph, positive exposure and declared edge types.
Calculation version: amlok-connected_counterparty_share-1.
Monitoring changes
Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta. Sources: banking, accounting, payroll, lender.revenue_change_from_baseline
Revenue change from baseline ·ratio · business
Current comparable revenue minus baseline revenue divided by baseline revenue.
Required inputs and conditions: Positive baseline revenue and compatible equal-length windows and calculation versions.
Calculation version: amlok-revenue_change_from_baseline-1.
liquidity_change_from_baseline
Liquidity change from baseline ·currency · business, person
Current unrestricted cash minus baseline unrestricted cash.
Required inputs and conditions: Compatible account scope, currency, basis and source quality.
Calculation version: amlok-liquidity_change_from_baseline-1.
dscr_change_from_baseline
DSCR change from baseline ·ratio · business
Current DSCR minus baseline DSCR.
Required inputs and conditions: Comparable complete schedules, windows, methodology and lending scope.
Calculation version: amlok-dscr_change_from_baseline-1.
obligation_growth_from_baseline
Debt change from baseline ·ratio · business, person
Current total debt minus baseline debt divided by baseline debt.
Required inputs and conditions: Positive baseline debt, compatible reporting scope and verified obligations.
Calculation version: amlok-obligation_growth_from_baseline-1.