> ## 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.

# Derived Attributes

> 56 attributes with inputs, calculations, units, and availability rules.

An attribute is available only when its required inputs, observation window, and coverage rules are satisfied. Preserve the definition version with each calculation.

## Banking

> **total\_inflows**
>
> Total posted account inflows over a covered interval.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A001 |
> | Required inputs | bank\_transaction.amount, direction, status |
> | Calculation | Sum absolute amounts where direction=inflow and status=posted. |
> | Unit | currency |
> | Window / as-of | 30, 90 or 365 complete days |
> | Availability rule | Require complete selected-account coverage; calculate per currency. |
> | Interpretation / exclusions | Includes loans and transfers; not revenue. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **total\_outflows**
>
> Total posted account outflows.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A002 |
> | Required inputs | bank\_transaction.amount, direction, status |
> | Calculation | Sum amounts where direction=outflow and status=posted. |
> | Unit | currency |
> | Window / as-of | 30, 90 or 365 complete days |
> | Availability rule | Same account set and currency. |
> | Interpretation / exclusions | Exclude pending and removed versions. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **net\_cash\_flow**
>
> Difference between inflows and outflows.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A003 |
> | Required inputs | total\_inflows; total\_outflows |
> | Calculation | total\_inflows - total\_outflows |
> | Unit | currency |
> | Window / as-of | Same complete interval |
> | Availability rule | Both inputs available for identical scope. |
> | Interpretation / exclusions | Internal transfers cancel only when both legs are covered. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **operating\_inflows**
>
> Classified operating cash receipts.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A004 |
> | Required inputs | bank\_transaction.category, amount, direction |
> | Calculation | Sum posted inflows classified sales\_receipt; exclude debt, capital and internal transfers. |
> | Unit | currency |
> | Window / as-of | Monthly / trailing 90 days |
> | Availability rule | Classification method and unexplained fraction disclosed. |
> | Interpretation / exclusions | Cash receipts are not accrual revenue. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **operating\_outflows**
>
> Classified operating payments.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A005 |
> | Required inputs | bank\_transaction.category, amount, direction |
> | Calculation | Sum posted payroll, operating\_expense and operating tax outflows; exclude financing principal, distributions and internal transfers. |
> | Unit | currency |
> | Window / as-of | Monthly / trailing 90 days |
> | Availability rule | Versioned classification and tax policy required. |
> | Interpretation / exclusions | Keep interest and capital spending policy explicit. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **operating\_cash\_surplus**
>
> Operating receipts less operating payments.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A006 |
> | Required inputs | operating\_inflows; operating\_outflows |
> | Calculation | operating\_inflows - operating\_outflows |
> | Unit | currency |
> | Window / as-of | Same interval |
> | Availability rule | Both classifications and scope available. |
> | Interpretation / exclusions | Not EBITDA or full accounting cash-flow statement. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **average\_daily\_balance**
>
> Average observed end-of-day asset balance.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A007 |
> | Required inputs | account\_balance.current, as\_of, balance\_basis |
> | Calculation | Sum complete daily closing depository balances / number of covered days. |
> | Unit | currency |
> | Window / as-of | 30 or 90 days |
> | Availability rule | Full daily observations or explicitly validated reconstruction. |
> | Interpretation / exclusions | Do not treat one current balance as historical daily balances. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **minimum\_daily\_balance**
>
> Lowest daily closing balance.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A008 |
> | Required inputs | Daily account\_balance.current |
> | Calculation | Minimum over covered daily balances. |
> | Unit | currency |
> | Window / as-of | 30 or 90 days |
> | Availability rule | Same requirements as average\_daily\_balance. |
> | Interpretation / exclusions | Keep account set and trust exclusions fixed. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **negative\_balance\_days**
>
> Count of days with negative operating cash balance.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A009 |
> | Required inputs | Daily depository balance |
> | Calculation | Count complete days with selected operating-account balance below zero. |
> | Unit | days |
> | Window / as-of | 30 or 90 days |
> | Availability rule | Daily balances required. |
> | Interpretation / exclusions | Credit balances owed are not overdrafts. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **nsf\_event\_count**
>
> Explicit insufficient-funds events.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A010 |
> | Required inputs | bank\_transaction source return/fee labels |
> | Calculation | Count deduplicated, explicitly identified NSF return events; count fee-only evidence separately. |
> | Unit | count |
> | Window / as-of | 90 days |
> | Availability rule | Provider-coded return or reviewed fee mapping. |
> | Interpretation / exclusions | Do not infer NSF from any low balance or any generic fee. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **cashflow\_volatility**
>
> Variation in comparable monthly operating receipts.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A011 |
> | Required inputs | Monthly operating\_inflows |
> | Calculation | Population standard deviation of monthly operating inflows / positive monthly mean. |
> | Unit | ratio |
> | Window / as-of | 6 complete months |
> | Availability rule | At least 6 comparable complete months; mean must be positive. |
> | Interpretation / exclusions | Seasonality and short history affect interpretation. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **operating\_inflow\_change**
>
> Change in operating receipts against prior comparable interval.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A012 |
> | Required inputs | Two comparable operating\_inflows |
> | Calculation | (current - previous) / previous where previous > 0. |
> | Unit | fraction |
> | Window / as-of | Current 30 days vs previous 30 days |
> | Availability rule | Equal coverage, account set and classification version. |
> | Interpretation / exclusions | Return unavailable for zero denominator; do not silently label growth zero. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **cash\_runway\_days**
>
> Days of cash at recent net operating burn.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A013 |
> | Required inputs | Unrestricted cash; operating cash surplus |
> | Calculation | Unrestricted cash / positive daily operating burn; null if business is not burning cash. |
> | Unit | days |
> | Window / as-of | 90-day burn; current cash |
> | Availability rule | Fresh cash plus complete 90-day classified flows. |
> | Interpretation / exclusions | Not applicable for nonnegative surplus; no infinite numeric output. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **debt\_service\_cash\_paid**
>
> Cash payments classified as debt service.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A014 |
> | Required inputs | bank\_transaction.category; repayment allocations |
> | Calculation | Sum matched principal + interest payments, deduplicating ledger and bank evidence. |
> | Unit | currency |
> | Window / as-of | Trailing 90 days |
> | Availability rule | Debt payment classification or servicing allocations. |
> | Interpretation / exclusions | Do not count bank record and loan repayment twice. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **unclassified\_flow\_ratio**
>
> Share of cash movements without a usable category.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A015 |
> | Required inputs | Bank amounts and classifications |
> | Calculation | Absolute unclassified posted flow / all absolute posted flow. |
> | Unit | fraction |
> | Window / as-of | Same measurement interval |
> | Availability rule | Positive total flow; return null on no activity. |
> | Interpretation / exclusions | A high value limits cash-flow metric reliability. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Payments

> **processed\_payment\_volume**
>
> Gross successful captured payment volume.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A016 |
> | Required inputs | payment.captured\_amount, captured\_at, status |
> | Calculation | Sum captured amounts once per payment, excluding test and failed events. |
> | Unit | currency |
> | Window / as-of | Calendar month |
> | Availability rule | Complete payment feed and test flags where supported. |
> | Interpretation / exclusions | Keep refunds separate; do not sum processor ledger duplicates. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **net\_payout\_volume**
>
> Cash settled by processors or marketplaces.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A017 |
> | Required inputs | payout.net, status, paid\_at |
> | Calculation | Sum net paid payouts. |
> | Unit | currency |
> | Window / as-of | Calendar month |
> | Availability rule | Paid settlement records with consistent timing. |
> | Interpretation / exclusions | Payout volume can lag order and payment activity. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **refund\_rate**
>
> Refunded value relative to captured value in a specified event window.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A018 |
> | Required inputs | Refund amounts; captured payment amounts |
> | Calculation | Completed refund amount in interval / captured amount in same interval. |
> | Unit | fraction |
> | Window / as-of | Calendar month |
> | Availability rule | Positive denominator; same currency and merchant scope. |
> | Interpretation / exclusions | Event-window ratio is not a cohort refund probability. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **chargeback\_rate**
>
> Disputed value relative to captured value.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A019 |
> | Required inputs | dispute.amount, opened\_at; payment captured amounts |
> | Calculation | New dispute amount in interval / captured payment amount in interval. |
> | Unit | fraction |
> | Window / as-of | Calendar month |
> | Availability rule | Positive denominator and full dispute entitlement. |
> | Interpretation / exclusions | Disputes can refer to older sales; distinguish event vs cohort measures. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **processor\_fee\_ratio**
>
> Reported processor fees per captured payment volume.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A020 |
> | Required inputs | processor\_transaction.fee; processed\_payment\_volume |
> | Calculation | Fee amounts for the interval / captured volume for same interval. |
> | Unit | fraction |
> | Window / as-of | Calendar month |
> | Availability rule | Exclude reserves and financing charges unless policy includes them. |
> | Interpretation / exclusions | Source fee timing may differ from capture timing. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **payout\_reconciliation\_ratio**
>
> Share of payout amount matched to bank evidence.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A021 |
> | Required inputs | payout.net; reconciliation\_status |
> | Calculation | Absolute paid payout amount matched / absolute paid payout amount in eligible scope. |
> | Unit | fraction |
> | Window / as-of | Calendar month |
> | Availability rule | Bank and payout currencies and dates aligned. |
> | Interpretation / exclusions | Unmatched may reflect timing, not missing funds. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Commerce

> **order\_sales\_total**
>
> Value of accepted non-test, non-cancelled orders.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A022 |
> | Required inputs | order.total, placed\_at, status, is\_test |
> | Calculation | Sum original order totals for the defined accepted-order population. |
> | Unit | currency |
> | Window / as-of | Calendar month |
> | Availability rule | Complete order feed; tax/shipping convention stated. |
> | Interpretation / exclusions | Not accounting revenue and not received cash. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **order\_count**
>
> Count of accepted non-test orders.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A023 |
> | Required inputs | order.id, status, placed\_at, is\_test |
> | Calculation | Count distinct accepted order IDs. |
> | Unit | count |
> | Window / as-of | Calendar month |
> | Availability rule | Deduplicate overlapping POS and online feeds. |
> | Interpretation / exclusions | Cancellations and edits need explicit inclusion policy. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **average\_order\_value**
>
> Mean accepted order amount.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A024 |
> | Required inputs | order\_sales\_total; order\_count |
> | Calculation | order\_sales\_total / order\_count. |
> | Unit | currency per order |
> | Window / as-of | Calendar month |
> | Availability rule | Order count > 0. |
> | Interpretation / exclusions | Do not mix shop and presentment currency. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **customer\_concentration**
>
> Largest customer share of invoiced sales.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A025 |
> | Required inputs | invoice.total, counterparty\_id, issued\_on |
> | Calculation | Largest customer invoiced net-of-credit sales / total invoiced net-of-credit sales. |
> | Unit | fraction |
> | Window / as-of | 12 complete months |
> | Availability rule | Resolved customer IDs and positive net sales. |
> | Interpretation / exclusions | Use consistent tax exclusion and credit-note allocation. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Accounting

> **revenue**
>
> Reported accounting revenue for the stated basis.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A026 |
> | Required inputs | statement\_line amounts mapped to revenue |
> | Calculation | Sum leaf revenue accounts under reviewed mapping; exclude duplicated subtotals. |
> | Unit | currency |
> | Window / as-of | Reporting period |
> | Availability rule | Complete report, reporting currency and basis. |
> | Interpretation / exclusions | Never substitute gross bank deposits. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **gross\_profit**
>
> Revenue less cost of goods sold.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A027 |
> | Required inputs | revenue; mapped cost\_of\_goods\_sold |
> | Calculation | Revenue - positive cost of goods sold. |
> | Unit | currency |
> | Window / as-of | Reporting period |
> | Availability rule | Reviewed source chart mapping. |
> | Interpretation / exclusions | Do not add subtotal and component accounts together. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **gross\_margin**
>
> Gross profit as a share of revenue.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A028 |
> | Required inputs | gross\_profit; revenue |
> | Calculation | gross\_profit / revenue where revenue > 0. |
> | Unit | fraction |
> | Window / as-of | Reporting period |
> | Availability rule | Same period and basis. |
> | Interpretation / exclusions | Unavailable for nonpositive revenue. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **ebitda**
>
> Earnings before interest, tax, depreciation and amortization under stated method.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A029 |
> | Required inputs | Net income; interest expense; income tax; depreciation; amortization |
> | Calculation | Net income + interest expense + income tax expense + depreciation + amortization, without duplicated add-backs. |
> | Unit | currency |
> | Window / as-of | 12 months or supplied period |
> | Availability rule | All components must be separately available. |
> | Interpretation / exclusions | Label adjustments separately; do not infer unsupported add-backs. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **net\_margin**
>
> Net accounting income as a share of revenue.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A030 |
> | Required inputs | Net income; revenue |
> | Calculation | Net income / revenue where revenue > 0. |
> | Unit | fraction |
> | Window / as-of | Reporting period |
> | Availability rule | Comparable statement and positive revenue. |
> | Interpretation / exclusions | Do not mix consolidated income and single-entity revenue. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **current\_ratio**
>
> Current assets relative to current liabilities.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A031 |
> | Required inputs | Mapped balance-sheet current assets/liabilities |
> | Calculation | Current assets / current liabilities where liabilities > 0. |
> | Unit | ratio |
> | Window / as-of | Balance-sheet as-of date |
> | Availability rule | Complete classified balance sheet. |
> | Interpretation / exclusions | Zero liability denominator is not numeric infinity. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **quick\_ratio**
>
> Liquid current assets relative to current liabilities.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A032 |
> | Required inputs | Cash; short-term liquid investments; net trade receivables; current liabilities |
> | Calculation | (Cash + liquid short-term investments + net trade receivables) / current liabilities. |
> | Unit | ratio |
> | Window / as-of | Balance-sheet as-of date |
> | Availability rule | Reviewed account mapping and positive denominator. |
> | Interpretation / exclusions | Exclude inventory and prepaid expenses. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **working\_capital**
>
> Current assets less current liabilities.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A033 |
> | Required inputs | Current assets; current liabilities |
> | Calculation | Current assets - current liabilities. |
> | Unit | currency |
> | Window / as-of | Balance-sheet as-of date |
> | Availability rule | Same entity and date. |
> | Interpretation / exclusions | Restricted or trust assets must remain separately identifiable. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **debt\_to\_equity**
>
> Interest-bearing debt relative to book equity.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A034 |
> | Required inputs | Mapped interest-bearing debt; total equity |
> | Calculation | Interest-bearing debt / total equity where equity > 0. |
> | Unit | ratio |
> | Window / as-of | Balance-sheet as-of date |
> | Availability rule | Reviewed debt definition and positive equity. |
> | Interpretation / exclusions | Negative equity is separately flagged, not converted to a normal ratio. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **receivables\_overdue**
>
> Open receivables past contractual due dates.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A035 |
> | Required inputs | invoice.amount\_due, due\_on, status |
> | Calculation | Sum positive outstanding invoices with due\_on before as\_of date. |
> | Unit | currency |
> | Window / as-of | As-of date |
> | Availability rule | Complete open-invoice population and due dates. |
> | Interpretation / exclusions | Source balance must be contemporaneous; missing due dates are separate. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **receivables\_overdue\_ratio**
>
> Overdue balance as a share of open receivables.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A036 |
> | Required inputs | receivables\_overdue; all open receivables |
> | Calculation | Overdue open balance / total positive open receivables. |
> | Unit | fraction |
> | Window / as-of | As-of date |
> | Availability rule | Positive denominator and complete open ledger. |
> | Interpretation / exclusions | Do not include void or fully credited invoices. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **receivables\_aging**
>
> Receivable balances in defined overdue buckets.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A037 |
> | Required inputs | invoice.amount\_due, due\_on |
> | Calculation | Sum by not\_due, 1\_30, 31\_60, 61\_90, 91\_plus days overdue; produce separate keyed attributes. |
> | Unit | currency |
> | Window / as-of | As-of date |
> | Availability rule | Complete dates and outstanding balances. |
> | Interpretation / exclusions | Buckets use due date, not issue date. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **payables\_overdue**
>
> Unpaid supplier bills beyond due date.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A038 |
> | Required inputs | bill.amount\_due, due\_on, status |
> | Calculation | Sum positive outstanding bills with due\_on before as\_of. |
> | Unit | currency |
> | Window / as-of | As-of date |
> | Availability rule | Complete open-bill population. |
> | Interpretation / exclusions | Do not infer unpaid tax from all supplier arrears. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **days\_sales\_outstanding**
>
> Receivables collection estimate.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A039 |
> | Required inputs | Average net trade receivables; credit sales |
> | Calculation | Average opening/closing net trade receivables / period credit sales × period days. |
> | Unit | days |
> | Window / as-of | Quarter or year |
> | Availability rule | Both balance observations and credit-sales denominator. |
> | Interpretation / exclusions | Total revenue is not an interchangeable substitute for credit sales. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **days\_payable\_outstanding**
>
> Supplier payment estimate.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A040 |
> | Required inputs | Average trade payables; credit purchases |
> | Calculation | Average opening/closing trade payables / credit purchases × period days. |
> | Unit | days |
> | Window / as-of | Quarter or year |
> | Availability rule | Both balance observations and purchase denominator. |
> | Interpretation / exclusions | Do not silently replace purchases with COGS. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Inventory

> **owned\_inventory\_value**
>
> Book value of borrower-owned stock.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A041 |
> | Required inputs | inventory\_balance.carrying\_value, ownership\_type |
> | Calculation | Sum owned stock value once by item, location, owner and observation. |
> | Unit | currency |
> | Window / as-of | As-of timestamp |
> | Availability rule | Known ownership and costing basis. |
> | Interpretation / exclusions | Exclude client stock in a third-party warehouse. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **inventory\_turnover**
>
> Cost-based turnover for a reporting period.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A042 |
> | Required inputs | COGS; average owned inventory value |
> | Calculation | Period COGS / mean opening and closing owned inventory value. |
> | Unit | times per period |
> | Window / as-of | Quarter or year |
> | Availability rule | Positive inventory denominator and aligned cost basis. |
> | Interpretation / exclusions | Not sales divided by stock units. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **days\_inventory\_outstanding**
>
> Days of inventory at the cost rate.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A043 |
> | Required inputs | Average inventory; COGS |
> | Calculation | Average inventory / positive period COGS × period days. |
> | Unit | days |
> | Window / as-of | Quarter or year |
> | Availability rule | Aligned owned inventory values and COGS. |
> | Interpretation / exclusions | Unavailable when cost values or history are missing. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **inventory\_aging\_90\_plus**
>
> Owned stock remaining more than 90 days after receipt.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A044 |
> | Required inputs | Lot-level remaining quantity; receipt dates; unit costs |
> | Calculation | Value remaining from lots whose evidenced receipt date is more than 90 days before as\_of. |
> | Unit | currency |
> | Window / as-of | As-of date |
> | Availability rule | Lot/cost-flow tracking and receipt history. |
> | Interpretation / exclusions | Current snapshot alone cannot establish age. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **cash\_conversion\_cycle**
>
> Inventory days plus collection days less payment days.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A045 |
> | Required inputs | DSO; DIO; DPO |
> | Calculation | days\_sales\_outstanding + days\_inventory\_outstanding - days\_payable\_outstanding. |
> | Unit | days |
> | Window / as-of | Same reporting period |
> | Availability rule | All three metrics defined on compatible period and population. |
> | Interpretation / exclusions | Unavailable if any input is missing. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Lending

> **dscr**
>
> Cash available for debt service relative to scheduled service.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A046 |
> | Required inputs | Policy-defined cash available; scheduled principal and interest |
> | Calculation | Cash available for debt service / scheduled principal plus interest due for identical period. |
> | Unit | ratio |
> | Window / as-of | Trailing or forecast 12 months |
> | Availability rule | Institution definition and full debt schedule required. |
> | Interpretation / exclusions | If EBITDA is a proxy, label EBITDA DSCR explicitly; not actual cash DSCR. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **loan\_to\_value**
>
> Secured debt relative to supported collateral value.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A047 |
> | Required inputs | Relevant secured debt; collateral valuation |
> | Calculation | Debt included under lender policy / eligible collateral valuation. |
> | Unit | fraction |
> | Window / as-of | Valuation as-of date |
> | Availability rule | Current appraisal, liens and debt scope; positive value. |
> | Interpretation / exclusions | Book inventory value is not an independent appraisal. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **facility\_utilization**
>
> Drawn exposure as a share of the approved limit.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A048 |
> | Required inputs | credit\_facility.drawn\_amount, approved\_limit |
> | Calculation | Drawn amount / approved limit where limit > 0. |
> | Unit | fraction |
> | Window / as-of | As-of date |
> | Availability rule | Same currency and facility. |
> | Interpretation / exclusions | Can exceed 1; do not clamp away over-limit exposure. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **debt\_to\_income**
>
> Monthly contractual debt obligation relative to verified monthly gross income.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A049 |
> | Required inputs | Verified gross income; complete monthly debt schedule |
> | Calculation | Monthly scheduled debt service / monthly gross income. |
> | Unit | fraction |
> | Window / as-of | Same monthly basis |
> | Availability rule | Permitted consumer use, gross income and full debt scope. |
> | Interpretation / exclusions | Net bank deposits are not verified gross income. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **portfolio\_delinquency\_ratio**
>
> Outstanding principal in loans above a chosen delinquency threshold.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A050 |
> | Required inputs | loan.outstanding\_principal, days\_past\_due, as\_of |
> | Calculation | Principal of eligible loans with DPD >= specified threshold / total eligible outstanding principal. |
> | Unit | fraction |
> | Window / as-of | Single as-of date |
> | Availability rule | Consistent DPD policy, currency and complete portfolio. |
> | Interpretation / exclusions | Declare threshold such as 30; distinguish from borrower count ratio. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **borrowing\_base**
>
> Eligible assets after contractual advance rates and reserves.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A051 |
> | Required inputs | Eligible receivables/inventory; contractual advance rates; reserves |
> | Calculation | Sum eligible asset values × applicable rates - contractual reserves. |
> | Unit | currency |
> | Window / as-of | As-of date |
> | Availability rule | Documented eligibility, ownership, concentration limits and covenants. |
> | Interpretation / exclusions | No automatic credit-limit change; requires institutional decision. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Liens

> **active\_lien\_count**
>
> Active filings within completed, reviewed search scope.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A052 |
> | Required inputs | lien.status, filing\_number, jurisdiction, match\_disposition |
> | Calculation | Count unique active registry+filing records with accepted debtor matches. |
> | Unit | count |
> | Window / as-of | Search effective scope |
> | Availability rule | Completed jurisdiction scope and match review. |
> | Interpretation / exclusions | Zero results is not proof of no liens elsewhere. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **lien\_expiry\_days**
>
> Days to an explicitly reported lapse date.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A053 |
> | Required inputs | lien.lapse\_on |
> | Calculation | lapse\_on - as\_of\_date in calendar days. |
> | Unit | days |
> | Window / as-of | Search as-of date |
> | Availability rule | Known lapse date and current amendment chain. |
> | Interpretation / exclusions | Do not mechanically add five years to all filings. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Identity

> **business\_age\_months**
>
> Elapsed completed months since formation.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A054 |
> | Required inputs | business.incorporation\_date |
> | Calculation | Completed calendar months between formation and as\_of date. |
> | Unit | months |
> | Window / as-of | As-of date |
> | Availability rule | Verified formation date. |
> | Interpretation / exclusions | Not the same as operating history or bank-account age. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

## Risk

> **evidence\_freshness\_days**
>
> Age of the oldest required observation in an assessment.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A055 |
> | Required inputs | Required source observation timestamps |
> | Calculation | Maximum(as\_of\_time - required observed\_at) expressed in days. |
> | Unit | days |
> | Window / as-of | Assessment cutoff |
> | Availability rule | Defined required-source manifest. |
> | Interpretation / exclusions | Use source effective time separately when retrieval can return stale records. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |

> **material\_risk\_change**
>
> Policy-defined change against the original assessment.
>
> | Property | Definition |
> | - | - |
> | Attribute ID | A056 |
> | Required inputs | Comparable risk snapshots and versioned monitor rules |
> | Calculation | Evaluate each configured threshold on aligned attributes; return boolean with reasons. |
> | Unit | boolean |
> | Window / as-of | Baseline vs current |
> | Availability rule | Comparable policy/model version or explicit migration. |
> | Interpretation / exclusions | Do not treat missing refreshed evidence as improved risk. |
> | Origin | AMLOK derived |
> | Definition version | 1.4.2 |


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