> ## 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. # Underwriting dimensions > Definitions, formulas, evidence requirements and applicability for 149 risk metrics. Every risk package accounts for the following 24 dimension families and 149 metric definitions. A value is available only when its applicability, evidence, history and denominator requirements are met. The [machine-readable catalog](https://docs.amlok.io/downloads/underwriting-metric-catalog.json) is generated from the same definitions used by the API and console Data Lookup. `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](https://docs.amlok.io/api-reference/risk-package-methodology.md) 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`. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.