{ "version": "2026-11-06.1", "dimensions": [ { "key": "identity", "label": "Identity and verification", "borrower_types": [ "business", "person" ], "source_families": [ "identity", "registry", "banking", "documents" ], "eligibility": "Identity and account-ownership checks identify inconsistencies; they do not substitute for financial capacity." }, { "key": "ownership_and_control", "label": "Ownership and control", "borrower_types": [ "business" ], "source_families": [ "registry", "identity", "accounting", "application", "documents" ], "eligibility": "Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership." }, { "key": "cashflow", "label": "Cash flow", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue." }, { "key": "liquidity", "label": "Liquidity", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage." }, { "key": "revenue_quality", "label": "Revenue quality", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales." }, { "key": "profitability", "label": "Profitability", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone." }, { "key": "working_capital", "label": "Working capital", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit." }, { "key": "leverage", "label": "Debt and leverage", "borrower_types": [ "business", "person" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero." }, { "key": "repayment_capacity", "label": "Repayment capacity", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms." }, { "key": "concentration", "label": "Concentration", "borrower_types": [ "business", "person" ], "source_families": [ "accounting", "payments", "commerce", "payroll", "banking" ], "eligibility": "Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket." }, { "key": "collateral", "label": "Collateral and security", "borrower_types": [ "business", "person" ], "source_families": [ "collateral", "registry", "lender", "accounting", "documents" ], "eligibility": "Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee." }, { "key": "fraud_and_consistency", "label": "Fraud and consistency", "borrower_types": [ "business", "person" ], "source_families": [ "documents", "banking", "accounting", "payments", "identity" ], "eligibility": "Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values." }, { "key": "income_and_affordability", "label": "Income and affordability", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice." }, { "key": "income_stability", "label": "Income stability", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "documents" ], "eligibility": "Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason." }, { "key": "payment_behavior", "label": "Payment behavior", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "credit_bureau", "lender" ], "eligibility": "Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage." }, { "key": "credit_history", "label": "Credit history", "borrower_types": [ "business", "person" ], "source_families": [ "credit_bureau", "lender", "documents" ], "eligibility": "Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history." }, { "key": "commerce_performance", "label": "Commerce and subscriptions", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort." }, { "key": "operating_resilience", "label": "Operating resilience", "borrower_types": [ "business" ], "source_families": [ "payroll", "inventory", "accounting", "commerce", "logistics" ], "eligibility": "Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media." }, { "key": "tax_and_compliance", "label": "Tax and statutory obligations", "borrower_types": [ "business" ], "source_families": [ "tax", "accounting", "registry", "documents" ], "eligibility": "Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification." }, { "key": "financial_reporting_quality", "label": "Financial reporting quality", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "documents" ], "eligibility": "Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements." }, { "key": "data_quality", "label": "Data quality and coverage", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payments", "commerce", "payroll", "identity", "documents" ], "eligibility": "Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts." }, { "key": "forecasting_and_stress", "label": "Forecasting and stress", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payroll", "application", "lender" ], "eligibility": "Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities." }, { "key": "relationship_risk", "label": "Related-party and network exposure", "borrower_types": [ "business" ], "source_families": [ "registry", "accounting", "banking", "application" ], "eligibility": "Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed." }, { "key": "monitoring_change", "label": "Monitoring changes", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payroll", "lender" ], "eligibility": "Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta." } ], "metrics": [ { "key": "business_age_months", "dimension_key": "identity", "label": "Business age", "description": "Business age. Whole calendar months from verified formation date to assessment date.", "unit": "months", "formula": "Whole calendar months from verified formation date to assessment date", "required_inputs": [ "Verified formation date", "assessment date", "business only" ], "eligibility": "Identity and account-ownership checks identify inconsistencies; they do not substitute for financial capacity.", "borrower_types": [ "business" ], "source_families": [ "identity", "registry", "banking", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-business_age_months-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "verified_account_owner_ratio", "dimension_key": "identity", "label": "Verified account ownership share", "description": "Verified account ownership share. Accounts with positively matched ownership divided by eligible disclosed connected accounts.", "unit": "ratio", "formula": "Accounts with positively matched ownership divided by eligible disclosed connected accounts", "required_inputs": [ "Account ownership evidence and resolved borrower identity", "nonzero eligible-account count" ], "eligibility": "Identity and account-ownership checks identify inconsistencies; they do not substitute for financial capacity.", "borrower_types": [ "business", "person" ], "source_families": [ "identity", "registry", "banking", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-verified_account_owner_ratio-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "ownership_disclosed_ratio", "dimension_key": "ownership_and_control", "label": "Disclosed ownership share", "description": "Disclosed ownership share. Sum of supported non-overlapping ownership fractions in the assessed entity.", "unit": "ratio", "formula": "Sum of supported non-overlapping ownership fractions in the assessed entity", "required_inputs": [ "Current ownership register", "common share basis", "do not double-count direct and indirect paths" ], "eligibility": "Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership.", "borrower_types": [ "business" ], "source_families": [ "registry", "identity", "accounting", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-ownership_disclosed_ratio-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "related_party_balance_share", "dimension_key": "ownership_and_control", "label": "Related-party receivables share", "description": "Related-party receivables share. Related-party receivables divided by total receivables.", "unit": "ratio", "formula": "Related-party receivables divided by total receivables", "required_inputs": [ "Resolved related parties and same-date receivables", "positive total receivables" ], "eligibility": "Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership.", "borrower_types": [ "business" ], "source_families": [ "registry", "identity", "accounting", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-related_party_balance_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "supported_guarantee_coverage", "dimension_key": "ownership_and_control", "label": "Supported guarantee coverage", "description": "Supported guarantee coverage. Documented collectible guarantee amount capped at exposure divided by exposure.", "unit": "ratio", "formula": "Documented collectible guarantee amount capped at exposure divided by exposure", "required_inputs": [ "Guarantee terms, guarantor assessment, currency and exposure", "positive exposure", "no unsupported collectible value" ], "eligibility": "Use documented beneficial ownership, control, guarantees and related-party exposure. Do not infer family relationships or hidden ownership.", "borrower_types": [ "business" ], "source_families": [ "registry", "identity", "accounting", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-supported_guarantee_coverage-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "total_inflows", "dimension_key": "cashflow", "label": "Posted inflows", "description": "Posted inflows. Sum posted inflow magnitudes before transfer or revenue exclusions.", "unit": "currency", "formula": "Sum posted inflow magnitudes before transfer or revenue exclusions", "required_inputs": [ "Complete eligible transaction set for the window, scope and currency" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-total_inflows-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "total_outflows", "dimension_key": "cashflow", "label": "Posted outflows", "description": "Posted outflows. Sum posted outflow magnitudes before transfer or operating exclusions.", "unit": "currency", "formula": "Sum posted outflow magnitudes before transfer or operating exclusions", "required_inputs": [ "Complete eligible transaction set for the window, scope and currency" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-total_outflows-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_cash_flow", "dimension_key": "cashflow", "label": "Net cash flow", "description": "Net cash flow. Posted inflows minus posted outflows after consolidation transfer elimination.", "unit": "currency", "formula": "Posted inflows minus posted outflows after consolidation transfer elimination", "required_inputs": [ "Matched transfers, complete transactions and consistent scope/currency" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_cash_flow-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "operating_cash_inflows", "dimension_key": "cashflow", "label": "Operating receipts", "description": "Operating receipts. Sum classified operating receipts excluding financing, internal transfers and owner injections.", "unit": "currency", "formula": "Sum classified operating receipts excluding financing, internal transfers and owner injections", "required_inputs": [ "Supported transaction classifications and explicit exclusion bridge" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-operating_cash_inflows-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "operating_cash_outflows", "dimension_key": "cashflow", "label": "Operating cash payments", "description": "Operating cash payments. Sum operating outflows excluding financing principal, capital expenditures and matched transfers.", "unit": "currency", "formula": "Sum operating outflows excluding financing principal, capital expenditures and matched transfers", "required_inputs": [ "Supported classifications and cash-flow basis", "interest/tax treatment disclosed" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-operating_cash_outflows-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "operating_net_cash_flow", "dimension_key": "cashflow", "label": "Net operating cash flow", "description": "Net operating cash flow. Operating receipts minus operating cash payments.", "unit": "currency", "formula": "Operating receipts minus operating cash payments", "required_inputs": [ "Same-window receipts/outflows and documented classification basis" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-operating_net_cash_flow-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "internal_transfer_inflows", "dimension_key": "cashflow", "label": "Internal transfer inflows", "description": "Internal transfer inflows. Sum inflows matched to outflows within the consolidation scope.", "unit": "currency", "formula": "Sum inflows matched to outflows within the consolidation scope", "required_inputs": [ "Supported transfer pairs with stable IDs and explicit FX treatment" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-internal_transfer_inflows-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "financing_inflows", "dimension_key": "cashflow", "label": "Financing inflows", "description": "Financing inflows. Sum identified debt and equity financing receipts.", "unit": "currency", "formula": "Sum identified debt and equity financing receipts", "required_inputs": [ "Financing classification and evidence", "uncertain receipts remain unclassified" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-financing_inflows-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "positive_cashflow_month_share", "dimension_key": "cashflow", "label": "Positive cash-flow months", "description": "Positive cash-flow months. Complete months with positive net cash flow divided by complete covered months.", "unit": "ratio", "formula": "Complete months with positive net cash flow divided by complete covered months", "required_inputs": [ "At least three complete months and consistent account scope" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-positive_cashflow_month_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "cashflow_volatility", "dimension_key": "cashflow", "label": "Operating cash-flow volatility", "description": "Operating cash-flow volatility. Population standard deviation of complete monthly net operating cash flow divided by absolute mean.", "unit": "ratio", "formula": "Population standard deviation of complete monthly net operating cash flow divided by absolute mean", "required_inputs": [ "At least six complete months", "nonzero mean", "disclose near-zero denominator sensitivity" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-cashflow_volatility-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "cashflow_change_90d", "dimension_key": "cashflow", "label": "Operating cash-flow change", "description": "Operating cash-flow change. Current 90-day operating net flow minus previous 90-day flow, divided by absolute previous flow.", "unit": "ratio", "formula": "Current 90-day operating net flow minus previous 90-day flow, divided by absolute previous flow", "required_inputs": [ "Two complete comparable 90-day windows", "nonzero previous flow" ], "eligibility": "Use posted, deduplicated flows. Consolidation eliminates matched transfers; raw inflows remain distinct from operating receipts and revenue.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "payments", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-cashflow_change_90d-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "unrestricted_cash", "dimension_key": "liquidity", "label": "Unrestricted cash", "description": "Unrestricted cash. Sum verified cash balances available for use, excluding restricted balances.", "unit": "currency", "formula": "Sum verified cash balances available for use, excluding restricted balances", "required_inputs": [ "Same-as-of reconciled balances and restriction status" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-unrestricted_cash-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "average_daily_balance", "dimension_key": "liquidity", "label": "Average daily cash balance", "description": "Average daily cash balance. Sum end-of-day balances divided by covered calendar days.", "unit": "currency", "formula": "Sum end-of-day balances divided by covered calendar days", "required_inputs": [ "Complete reconciled daily balances for the selected account scope" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-average_daily_balance-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "minimum_daily_balance", "dimension_key": "liquidity", "label": "Minimum daily cash balance", "description": "Minimum daily cash balance. Minimum consolidated end-of-day balance.", "unit": "currency", "formula": "Minimum consolidated end-of-day balance", "required_inputs": [ "Complete comparable daily balances", "disclose observed versus reconstructed basis" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-minimum_daily_balance-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "negative_balance_days", "dimension_key": "liquidity", "label": "Days below zero", "description": "Days below zero. Count covered days with negative consolidated end-of-day balance.", "unit": "days", "formula": "Count covered days with negative consolidated end-of-day balance", "required_inputs": [ "Complete daily balance series", "no missing day treated as zero" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-negative_balance_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "cash_buffer_days", "dimension_key": "liquidity", "label": "Cash buffer", "description": "Cash buffer. Unrestricted cash divided by mean daily essential cash outflows.", "unit": "days", "formula": "Unrestricted cash divided by mean daily essential cash outflows", "required_inputs": [ "Positive essential-outflow denominator", "current cash", "documented window and exclusions" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-cash_buffer_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "current_ratio", "dimension_key": "liquidity", "label": "Current ratio", "description": "Current ratio. Current assets divided by current liabilities.", "unit": "ratio", "formula": "Current assets divided by current liabilities", "required_inputs": [ "Same-date classified balance sheet", "positive current liabilities" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-current_ratio-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "quick_ratio", "dimension_key": "liquidity", "label": "Quick ratio", "description": "Quick ratio. Cash plus short-term investments plus eligible receivables, divided by current liabilities.", "unit": "ratio", "formula": "Cash plus short-term investments plus eligible receivables, divided by current liabilities", "required_inputs": [ "Same-date asset/liability classifications", "positive current liabilities" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-quick_ratio-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "cash_ratio", "dimension_key": "liquidity", "label": "Cash ratio", "description": "Cash ratio. Unrestricted cash and cash equivalents divided by current liabilities.", "unit": "ratio", "formula": "Unrestricted cash and cash equivalents divided by current liabilities", "required_inputs": [ "Same-date balances", "positive current liabilities" ], "eligibility": "Separate available, restricted and observed balances. Reconstructed daily balances require reconciled opening/closing balances and complete transaction coverage.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-cash_ratio-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "verified_revenue", "dimension_key": "revenue_quality", "label": "Verified revenue", "description": "Verified revenue. Sum supported revenue on the declared cash or accrual basis after exclusions.", "unit": "currency", "formula": "Sum supported revenue on the declared cash or accrual basis after exclusions", "required_inputs": [ "Reconciled bank, accounting or commerce evidence", "taxes, financing and transfers excluded" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-verified_revenue-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "recurring_revenue_share", "dimension_key": "revenue_quality", "label": "Recurring revenue share", "description": "Recurring revenue share. Supported recurring revenue divided by total verified revenue.", "unit": "ratio", "formula": "Supported recurring revenue divided by total verified revenue", "required_inputs": [ "Defined recurrence rule and matched periods", "positive total revenue" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-recurring_revenue_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "revenue_growth_yoy", "dimension_key": "revenue_quality", "label": "Revenue growth year over year", "description": "Revenue growth year over year. Current-period revenue minus prior-year comparable revenue, divided by prior-year revenue.", "unit": "ratio", "formula": "Current-period revenue minus prior-year comparable revenue, divided by prior-year revenue", "required_inputs": [ "Comparable periods separated by one year", "positive prior revenue" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-revenue_growth_yoy-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "revenue_growth_90d", "dimension_key": "revenue_quality", "label": "Revenue growth over 90 days", "description": "Revenue growth over 90 days. Current 90-day revenue minus preceding 90-day revenue, divided by preceding revenue.", "unit": "ratio", "formula": "Current 90-day revenue minus preceding 90-day revenue, divided by preceding revenue", "required_inputs": [ "Two complete 90-day periods", "positive prior revenue" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-revenue_growth_90d-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "revenue_volatility", "dimension_key": "revenue_quality", "label": "Monthly revenue volatility", "description": "Monthly revenue volatility. Population standard deviation of monthly revenue divided by mean monthly revenue.", "unit": "ratio", "formula": "Population standard deviation of monthly revenue divided by mean monthly revenue", "required_inputs": [ "At least six complete months", "positive mean", "consistent recognition basis" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-revenue_volatility-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "refund_amount_share", "dimension_key": "revenue_quality", "label": "Refund amount share", "description": "Refund amount share. Refunded sales amount divided by eligible gross sales amount.", "unit": "ratio", "formula": "Refunded sales amount divided by eligible gross sales amount", "required_inputs": [ "Matched sales/refund cohort and treatment of late refunds", "positive gross sales" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-refund_amount_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "chargeback_amount_share", "dimension_key": "revenue_quality", "label": "Chargeback amount share", "description": "Chargeback amount share. Disputed chargeback amount divided by eligible processed sales amount.", "unit": "ratio", "formula": "Disputed chargeback amount divided by eligible processed sales amount", "required_inputs": [ "Matched processing cohort and consistent chargeback stage", "positive denominator" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-chargeback_amount_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "revenue_cash_realization", "dimension_key": "revenue_quality", "label": "Revenue cash realization", "description": "Revenue cash realization. Matched collections on recognized sales divided by recognized sales.", "unit": "ratio", "formula": "Matched collections on recognized sales divided by recognized sales", "required_inputs": [ "Defined collection horizon and sales cohort", "positive recognized sales", "not raw deposits/revenue" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-revenue_cash_realization-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "unverified_receipts_share", "dimension_key": "revenue_quality", "label": "Unverified receipts share", "description": "Unverified receipts share. Unclassified or unsupported operating-like receipts divided by total candidate receipts.", "unit": "ratio", "formula": "Unclassified or unsupported operating-like receipts divided by total candidate receipts", "required_inputs": [ "Classification coverage and positive candidate receipts" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-unverified_receipts_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "nonrecurring_revenue_share", "dimension_key": "revenue_quality", "label": "Nonrecurring revenue share", "description": "Nonrecurring revenue share. Identified nonrecurring revenue divided by verified revenue.", "unit": "ratio", "formula": "Identified nonrecurring revenue divided by verified revenue", "required_inputs": [ "Versioned recurrence criteria and positive revenue" ], "eligibility": "Distinguish accrual revenue, gross sales, refunds, taxes, fees and cash settlement. Financing, transfers and owner injections are not sales.", "borrower_types": [ "business" ], "source_families": [ "banking", "payments", "commerce", "accounting" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-nonrecurring_revenue_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "gross_profit", "dimension_key": "profitability", "label": "Gross profit", "description": "Gross profit. Recognized revenue minus cost of goods sold.", "unit": "currency", "formula": "Recognized revenue minus cost of goods sold", "required_inputs": [ "Same-period income statement with classified COGS" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-gross_profit-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "gross_margin", "dimension_key": "profitability", "label": "Gross margin", "description": "Gross margin. Gross profit divided by recognized revenue.", "unit": "ratio", "formula": "Gross profit divided by recognized revenue", "required_inputs": [ "Positive revenue and consistent accounting basis" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-gross_margin-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "ebitda", "dimension_key": "profitability", "label": "EBITDA", "description": "EBITDA. Net income plus income tax expense, interest expense, depreciation and amortization.", "unit": "currency", "formula": "Net income plus income tax expense, interest expense, depreciation and amortization", "required_inputs": [ "Complete supported statement line items", "no automatic discretionary addbacks" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-ebitda-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "ebitda_margin", "dimension_key": "profitability", "label": "EBITDA margin", "description": "EBITDA margin. EBITDA divided by recognized revenue.", "unit": "ratio", "formula": "EBITDA divided by recognized revenue", "required_inputs": [ "Positive revenue and supported EBITDA" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-ebitda_margin-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "operating_profit", "dimension_key": "profitability", "label": "Operating profit", "description": "Operating profit. Revenue minus COGS and operating expenses.", "unit": "currency", "formula": "Revenue minus COGS and operating expenses", "required_inputs": [ "Complete same-period operating statement", "financing excluded" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-operating_profit-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "operating_margin", "dimension_key": "profitability", "label": "Operating margin", "description": "Operating margin. Operating profit divided by revenue.", "unit": "ratio", "formula": "Operating profit divided by revenue", "required_inputs": [ "Positive recognized revenue" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-operating_margin-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_profit", "dimension_key": "profitability", "label": "Net profit", "description": "Net profit. Total recognized income minus all recognized expenses.", "unit": "currency", "formula": "Total recognized income minus all recognized expenses", "required_inputs": [ "Complete statement on declared accounting basis" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_profit-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_margin", "dimension_key": "profitability", "label": "Net margin", "description": "Net margin. Net profit divided by recognized revenue.", "unit": "ratio", "formula": "Net profit divided by recognized revenue", "required_inputs": [ "Positive recognized revenue" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_margin-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "free_cash_flow", "dimension_key": "profitability", "label": "Free cash flow", "description": "Free cash flow. Operating cash flow minus cash capital expenditures.", "unit": "currency", "formula": "Operating cash flow minus cash capital expenditures", "required_inputs": [ "Reconciled cash-flow statement or supported cash reconstruction", "no debt proceeds" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-free_cash_flow-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "return_on_assets", "dimension_key": "profitability", "label": "Return on assets", "description": "Return on assets. Period net profit divided by mean opening and closing total assets.", "unit": "ratio", "formula": "Period net profit divided by mean opening and closing total assets", "required_inputs": [ "Positive average assets and complete period", "disclose annualization, never apply silently" ], "eligibility": "Align accounting basis, reporting scope and periods. EBITDA addbacks require itemized justification; never infer profit from deposits alone.", "borrower_types": [ "business" ], "source_families": [ "accounting", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-return_on_assets-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_working_capital", "dimension_key": "working_capital", "label": "Net working capital", "description": "Net working capital. Current assets minus current liabilities.", "unit": "currency", "formula": "Current assets minus current liabilities", "required_inputs": [ "Same-date classified balance sheet" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_working_capital-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "receivables_days", "dimension_key": "working_capital", "label": "Receivable days", "description": "Receivable days. Average trade receivables divided by credit sales, multiplied by period days.", "unit": "days", "formula": "Average trade receivables divided by credit sales, multiplied by period days", "required_inputs": [ "Positive credit sales", "opening/closing receivables", "same accounting period" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-receivables_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "payables_days", "dimension_key": "working_capital", "label": "Payable days", "description": "Payable days. Average trade payables divided by credit purchases, multiplied by period days.", "unit": "days", "formula": "Average trade payables divided by credit purchases, multiplied by period days", "required_inputs": [ "Positive credit purchases", "opening/closing payables", "do not substitute COGS silently" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-payables_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "inventory_days", "dimension_key": "working_capital", "label": "Inventory days", "description": "Inventory days. Average inventory divided by COGS, multiplied by period days.", "unit": "days", "formula": "Average inventory divided by COGS, multiplied by period days", "required_inputs": [ "Positive COGS", "opening/closing comparable inventory valuation" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-inventory_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "cash_conversion_cycle", "dimension_key": "working_capital", "label": "Cash conversion cycle", "description": "Cash conversion cycle. Receivable days plus inventory days minus payable days.", "unit": "days", "formula": "Receivable days plus inventory days minus payable days", "required_inputs": [ "All three components available on comparable periods and basis" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-cash_conversion_cycle-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "ar_overdue_share", "dimension_key": "working_capital", "label": "Overdue receivables share", "description": "Overdue receivables share. Overdue collectible trade receivables divided by total collectible trade receivables.", "unit": "ratio", "formula": "Overdue collectible trade receivables divided by total collectible trade receivables", "required_inputs": [ "Due dates and same-as-of open balances", "positive receivables" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-ar_overdue_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "ar_90_plus_share", "dimension_key": "working_capital", "label": "Receivables over 90 days past due", "description": "Receivables over 90 days past due. Receivables more than 90 days past due divided by total trade receivables.", "unit": "ratio", "formula": "Receivables more than 90 days past due divided by total trade receivables", "required_inputs": [ "Aging based on due date, not invoice date", "positive receivables" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-ar_90_plus_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "ap_overdue_share", "dimension_key": "working_capital", "label": "Overdue payables share", "description": "Overdue payables share. Overdue trade payables divided by total trade payables.", "unit": "ratio", "formula": "Overdue trade payables divided by total trade payables", "required_inputs": [ "Due dates and open balances", "positive payables" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-ap_overdue_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "inventory_turnover", "dimension_key": "working_capital", "label": "Inventory turnover", "description": "Inventory turnover. Period COGS divided by average inventory.", "unit": "ratio", "formula": "Period COGS divided by average inventory", "required_inputs": [ "Positive comparable inventory and supported COGS" ], "eligibility": "Use dated invoice/bill aging, sales and cost denominators on the same basis. Inventory valuation and credit-sales coverage must be explicit.", "borrower_types": [ "business" ], "source_families": [ "accounting", "commerce", "inventory" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-inventory_turnover-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "total_debt", "dimension_key": "leverage", "label": "Total interest-bearing debt", "description": "Total interest-bearing debt. Sum outstanding principal of resolved interest-bearing obligations.", "unit": "currency", "formula": "Sum outstanding principal of resolved interest-bearing obligations", "required_inputs": [ "Complete disclosed and supported debt inventory", "leases treatment explicit" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business", "person" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-total_debt-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_debt", "dimension_key": "leverage", "label": "Net debt", "description": "Net debt. Total debt minus unrestricted cash eligible for offset.", "unit": "currency", "formula": "Total debt minus unrestricted cash eligible for offset", "required_inputs": [ "Same-as-of currency and consolidated scope" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business", "person" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_debt-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "debt_to_assets", "dimension_key": "leverage", "label": "Debt to assets", "description": "Debt to assets. Total interest-bearing debt divided by total assets.", "unit": "ratio", "formula": "Total interest-bearing debt divided by total assets", "required_inputs": [ "Positive total assets and matched scope", "excludes non-debt liabilities by definition" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-debt_to_assets-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "debt_to_equity", "dimension_key": "leverage", "label": "Debt to equity", "description": "Debt to equity. Total debt divided by equity.", "unit": "ratio", "formula": "Total debt divided by equity", "required_inputs": [ "Positive equity", "zero/negative equity produces unavailable ratio and a separate finding" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-debt_to_equity-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_debt_to_ebitda", "dimension_key": "leverage", "label": "Net debt to EBITDA", "description": "Net debt to EBITDA. Net debt divided by trailing-12-month EBITDA.", "unit": "ratio", "formula": "Net debt divided by trailing-12-month EBITDA", "required_inputs": [ "Positive EBITDA and complete 12-month period" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_debt_to_ebitda-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "credit_utilization", "dimension_key": "leverage", "label": "Revolving credit utilization", "description": "Revolving credit utilization. Used revolving principal divided by committed revolving limits.", "unit": "ratio", "formula": "Used revolving principal divided by committed revolving limits", "required_inputs": [ "Positive known limits", "distinguish drawn balances from pending authorizations" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business", "person" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-credit_utilization-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "short_term_debt_share", "dimension_key": "leverage", "label": "Debt due within one year", "description": "Debt due within one year. Principal contractually due within 365 days divided by total debt.", "unit": "ratio", "formula": "Principal contractually due within 365 days divided by total debt", "required_inputs": [ "Complete maturity schedule and positive total debt" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business", "person" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-short_term_debt_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "debt_maturing_90d", "dimension_key": "leverage", "label": "Debt maturing within 90 days", "description": "Debt maturing within 90 days. Sum principal contractually due within the next 90 days.", "unit": "currency", "formula": "Sum principal contractually due within the next 90 days", "required_inputs": [ "Complete maturity schedule including balloon payments" ], "eligibility": "Reconcile observed debt payments to disclosed and entitled bureau obligations. Unknown balances and undisclosed obligations are not zero.", "borrower_types": [ "business", "person" ], "source_families": [ "accounting", "banking", "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-debt_maturing_90d-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "dscr", "dimension_key": "repayment_capacity", "label": "Cash-flow debt-service coverage", "description": "Cash-flow debt-service coverage. Eligible cash flow available for debt service divided by existing plus proposed contractual debt service.", "unit": "ratio", "formula": "Eligible cash flow available for debt service divided by existing plus proposed contractual debt service", "required_inputs": [ "Complete eligible cash-flow bridge and existing/proposed principal, interest and mandatory debt fees for the same period", "positive debt service" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-dscr-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "fixed_charge_coverage", "dimension_key": "repayment_capacity", "label": "Fixed-charge coverage", "description": "Fixed-charge coverage. Cash flow before the specified fixed charges divided by those fixed charges.", "unit": "ratio", "formula": "Cash flow before the specified fixed charges divided by those fixed charges", "required_inputs": [ "Explicit non-overlapping charge set, including leases where applicable", "positive charges" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-fixed_charge_coverage-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "interest_coverage", "dimension_key": "repayment_capacity", "label": "Interest coverage", "description": "Interest coverage. EBIT divided by interest expense.", "unit": "ratio", "formula": "EBIT divided by interest expense", "required_inputs": [ "Supported same-period EBIT and positive interest expense" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-interest_coverage-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "existing_debt_service", "dimension_key": "repayment_capacity", "label": "Existing debt service", "description": "Existing debt service. Sum existing contractual principal, interest and mandatory debt fees over the assessment window.", "unit": "currency", "formula": "Sum existing contractual principal, interest and mandatory debt fees over the assessment window", "required_inputs": [ "Complete schedule", "variable and balloon assumptions explicit" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-existing_debt_service-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "proposed_debt_service", "dimension_key": "repayment_capacity", "label": "Proposed debt service", "description": "Proposed debt service. Sum proposed contractual principal, interest and mandatory debt fees over the assessment window.", "unit": "currency", "formula": "Sum proposed contractual principal, interest and mandatory debt fees over the assessment window", "required_inputs": [ "Exact proposed product terms, amount, rate, amortization, fees and timing" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-proposed_debt_service-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "total_debt_service", "dimension_key": "repayment_capacity", "label": "Total debt service", "description": "Total debt service. Existing plus proposed debt service with duplicates removed.", "unit": "currency", "formula": "Existing plus proposed debt service with duplicates removed", "required_inputs": [ "Comparable complete schedules and shared currency" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-total_debt_service-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "residual_cash_after_debt", "dimension_key": "repayment_capacity", "label": "Cash after debt service", "description": "Cash after debt service. Eligible cash available for debt service minus total debt service.", "unit": "currency", "formula": "Eligible cash available for debt service minus total debt service", "required_inputs": [ "Supported cash-flow bridge and complete obligations" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-residual_cash_after_debt-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "debt_service_headroom", "dimension_key": "repayment_capacity", "label": "Debt-service headroom", "description": "Debt-service headroom. Eligible cash flow divided by institution DSCR requirement, minus total debt service.", "unit": "currency", "formula": "Eligible cash flow divided by institution DSCR requirement, minus total debt service", "required_inputs": [ "Positive institution-approved DSCR threshold and complete components", "analytical capacity, not an offer" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-debt_service_headroom-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "debt_payment_to_receipts", "dimension_key": "repayment_capacity", "label": "Debt payments to operating receipts", "description": "Debt payments to operating receipts. Observed debt payments divided by operating cash receipts.", "unit": "ratio", "formula": "Observed debt payments divided by operating cash receipts", "required_inputs": [ "Positive receipts", "payments classified with evidence", "not a substitute for DSCR" ], "eligibility": "Use complete existing and proposed debt schedules, eligible cash flow and consistent periods. Include balloon and variable-payment terms.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "lender", "application", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-debt_payment_to_receipts-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "top_customer_share", "dimension_key": "concentration", "label": "Largest customer share", "description": "Largest customer share. Largest resolved customer revenue divided by covered customer revenue.", "unit": "ratio", "formula": "Largest resolved customer revenue divided by covered customer revenue", "required_inputs": [ "Positive covered revenue and disclosed unknown-counterparty share" ], "eligibility": "Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket.", "borrower_types": [ "business" ], "source_families": [ "accounting", "payments", "commerce", "payroll", "banking" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-top_customer_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "top_five_customer_share", "dimension_key": "concentration", "label": "Top five customer share", "description": "Top five customer share. Revenue of five largest resolved customers divided by covered customer revenue.", "unit": "ratio", "formula": "Revenue of five largest resolved customers divided by covered customer revenue", "required_inputs": [ "Positive covered revenue", "fewer than five uses all resolved customers" ], "eligibility": "Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket.", "borrower_types": [ "business" ], "source_families": [ "accounting", "payments", "commerce", "payroll", "banking" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-top_five_customer_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "top_supplier_share", "dimension_key": "concentration", "label": "Largest supplier share", "description": "Largest supplier share. Largest resolved supplier spend divided by covered supplier spend.", "unit": "ratio", "formula": "Largest resolved supplier spend divided by covered supplier spend", "required_inputs": [ "Positive supplier spend and explicit coverage" ], "eligibility": "Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket.", "borrower_types": [ "business" ], "source_families": [ "accounting", "payments", "commerce", "payroll", "banking" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-top_supplier_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "top_channel_share", "dimension_key": "concentration", "label": "Largest sales channel share", "description": "Largest sales channel share. Largest channel revenue divided by total covered channel revenue.", "unit": "ratio", "formula": "Largest channel revenue divided by total covered channel revenue", "required_inputs": [ "Positive channel revenue", "no duplicated cross-platform sales" ], "eligibility": "Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket.", "borrower_types": [ "business" ], "source_families": [ "accounting", "payments", "commerce", "payroll", "banking" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-top_channel_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "customer_hhi", "dimension_key": "concentration", "label": "Customer concentration index", "description": "Customer concentration index. Sum squared customer revenue fractions on a 0-to-1 scale.", "unit": "ratio", "formula": "Sum squared customer revenue fractions on a 0-to-1 scale", "required_inputs": [ "Complete resolved customer allocation or explicit partial coverage", "unknown is not one customer" ], "eligibility": "Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket.", "borrower_types": [ "business" ], "source_families": [ "accounting", "payments", "commerce", "payroll", "banking" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-customer_hhi-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "income_source_hhi", "dimension_key": "concentration", "label": "Income-source concentration index", "description": "Income-source concentration index. Sum squared verified income-source fractions on a 0-to-1 scale.", "unit": "ratio", "formula": "Sum squared verified income-source fractions on a 0-to-1 scale", "required_inputs": [ "Positive verified income and resolved income streams" ], "eligibility": "Aggregate only resolved counterparties within the authorized borrower scope. Unknown counterparties remain a disclosed unallocated bucket.", "borrower_types": [ "person" ], "source_families": [ "accounting", "payments", "commerce", "payroll", "banking" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-income_source_hhi-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "collateral_ltv", "dimension_key": "collateral", "label": "Loan to collateral value", "description": "Loan to collateral value. Assessed facility exposure divided by supported collateral valuation.", "unit": "ratio", "formula": "Assessed facility exposure divided by supported collateral valuation", "required_inputs": [ "Positive eligible valuation with valuation date, currency and ownership" ], "eligibility": "Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee.", "borrower_types": [ "business", "person" ], "source_families": [ "collateral", "registry", "lender", "accounting", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-collateral_ltv-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "combined_ltv", "dimension_key": "collateral", "label": "Combined loan to value", "description": "Combined loan to value. All known secured claims including proposed exposure divided by collateral value.", "unit": "ratio", "formula": "All known secured claims including proposed exposure divided by collateral value", "required_inputs": [ "Positive valuation and complete supported lien/priority inventory" ], "eligibility": "Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee.", "borrower_types": [ "business", "person" ], "source_families": [ "collateral", "registry", "lender", "accounting", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-combined_ltv-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "collateral_coverage", "dimension_key": "collateral", "label": "Collateral coverage", "description": "Collateral coverage. Eligible realizable collateral value after approved haircuts divided by secured exposure.", "unit": "ratio", "formula": "Eligible realizable collateral value after approved haircuts divided by secured exposure", "required_inputs": [ "Positive exposure, documented haircut and enforceability assumptions" ], "eligibility": "Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee.", "borrower_types": [ "business", "person" ], "source_families": [ "collateral", "registry", "lender", "accounting", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-collateral_coverage-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "eligible_receivables", "dimension_key": "collateral", "label": "Eligible borrowing-base receivables", "description": "Eligible borrowing-base receivables. Sum receivables meeting institution eligibility and concentration rules.", "unit": "currency", "formula": "Sum receivables meeting institution eligibility and concentration rules", "required_inputs": [ "Versioned borrowing-base rules, aging, dilution and prior-pledge evidence" ], "eligibility": "Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee.", "borrower_types": [ "business" ], "source_families": [ "collateral", "registry", "lender", "accounting", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-eligible_receivables-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "collateral_haircut_ratio", "dimension_key": "collateral", "label": "Collateral haircut", "description": "Collateral haircut. Gross eligible valuation minus supported realizable valuation, divided by gross valuation.", "unit": "ratio", "formula": "Gross eligible valuation minus supported realizable valuation, divided by gross valuation", "required_inputs": [ "Positive valuation and disclosed approved valuation/haircut method" ], "eligibility": "Require current valuations, ownership, lien priority and permitted reports. This is collateral evidence, not a legal opinion or enforceability guarantee.", "borrower_types": [ "business", "person" ], "source_families": [ "collateral", "registry", "lender", "accounting", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-collateral_haircut_ratio-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "reconciliation_break_share", "dimension_key": "fraud_and_consistency", "label": "Unreconciled value share", "description": "Unreconciled value share. Unmatched absolute value divided by eligible source-side absolute value.", "unit": "ratio", "formula": "Unmatched absolute value divided by eligible source-side absolute value", "required_inputs": [ "Comparable transaction populations, period, currency and matching tolerance" ], "eligibility": "Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values.", "borrower_types": [ "business", "person" ], "source_families": [ "documents", "banking", "accounting", "payments", "identity" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-reconciliation_break_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "duplicate_transaction_share", "dimension_key": "fraud_and_consistency", "label": "Duplicate transaction share", "description": "Duplicate transaction share. Confirmed duplicate records divided by examined records before deduplication.", "unit": "ratio", "formula": "Confirmed duplicate records divided by examined records before deduplication", "required_inputs": [ "Nonzero examined records and documented duplicate criteria" ], "eligibility": "Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values.", "borrower_types": [ "business", "person" ], "source_families": [ "documents", "banking", "accounting", "payments", "identity" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-duplicate_transaction_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "document_contradiction_count", "dimension_key": "fraud_and_consistency", "label": "Document contradictions", "description": "Document contradictions. Count distinct supported inconsistencies between comparable document fields.", "unit": "count", "formula": "Count distinct supported inconsistencies between comparable document fields", "required_inputs": [ "Document-level findings with page/field evidence", "a signal is not proof of fraud" ], "eligibility": "Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values.", "borrower_types": [ "business", "person" ], "source_families": [ "documents", "banking", "accounting", "payments", "identity" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-document_contradiction_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "identity_mismatch_count", "dimension_key": "fraud_and_consistency", "label": "Unresolved identity mismatches", "description": "Unresolved identity mismatches. Count distinct unresolved mismatches across supported borrower identity attributes.", "unit": "count", "formula": "Count distinct unresolved mismatches across supported borrower identity attributes", "required_inputs": [ "Comparable identity sources", "absent attributes are missing, not mismatched" ], "eligibility": "Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values.", "borrower_types": [ "business", "person" ], "source_families": [ "documents", "banking", "accounting", "payments", "identity" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-identity_mismatch_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "declared_income_gap_ratio", "dimension_key": "fraud_and_consistency", "label": "Declared-to-verified income gap", "description": "Declared-to-verified income gap. Declared income minus verified comparable income, divided by verified income.", "unit": "ratio", "formula": "Declared income minus verified comparable income, divided by verified income", "required_inputs": [ "Positive verified income", "same gross/net basis, currency, scope and period" ], "eligibility": "Signals identify evidence needing review; no signal or score alone confirms fraud. Preserve document locations and conflicting values.", "borrower_types": [ "business", "person" ], "source_families": [ "documents", "banking", "accounting", "payments", "identity" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-declared_income_gap_ratio-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "verified_gross_monthly_income", "dimension_key": "income_and_affordability", "label": "Verified gross monthly income", "description": "Verified gross monthly income. Supported recurring pretax income normalized to one calendar month.", "unit": "currency", "formula": "Supported recurring pretax income normalized to one calendar month", "required_inputs": [ "Payroll, tax or supported gross-income evidence", "net deposits alone do not establish gross income" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-verified_gross_monthly_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "verified_net_monthly_income", "dimension_key": "income_and_affordability", "label": "Verified net monthly income", "description": "Verified net monthly income. Supported recurring after-deduction income normalized to one calendar month.", "unit": "currency", "formula": "Supported recurring after-deduction income normalized to one calendar month", "required_inputs": [ "Verified income streams, recurrence and calendar conversion", "transfers excluded" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-verified_net_monthly_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "debt_to_income", "dimension_key": "income_and_affordability", "label": "Debt to income", "description": "Debt to income. Existing plus proposed required monthly debt payments divided by verified gross monthly income.", "unit": "ratio", "formula": "Existing plus proposed required monthly debt payments divided by verified gross monthly income", "required_inputs": [ "Positive verified gross income and complete monthly obligations", "housing treatment explicit" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-debt_to_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "housing_to_income", "dimension_key": "income_and_affordability", "label": "Housing cost to income", "description": "Housing cost to income. Required monthly housing cost divided by verified gross monthly income.", "unit": "ratio", "formula": "Required monthly housing cost divided by verified gross monthly income", "required_inputs": [ "Positive gross income", "rent/mortgage/tax/insurance/components explicit" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-housing_to_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "essential_monthly_spend", "dimension_key": "income_and_affordability", "label": "Essential monthly expenditure", "description": "Essential monthly expenditure. Sum evidenced essential non-debt spending normalized to one month.", "unit": "currency", "formula": "Sum evidenced essential non-debt spending normalized to one month", "required_inputs": [ "Versioned institution expense taxonomy", "exclude sensitive merchant categories and avoid housing/debt duplication" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-essential_monthly_spend-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "residual_monthly_income", "dimension_key": "income_and_affordability", "label": "Residual monthly income", "description": "Residual monthly income. Verified net income minus essential spending, housing and existing/proposed debt payments.", "unit": "currency", "formula": "Verified net income minus essential spending, housing and existing/proposed debt payments", "required_inputs": [ "Complete non-overlapping monthly expense/obligation set" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-residual_monthly_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "payment_to_income", "dimension_key": "income_and_affordability", "label": "Proposed payment to income", "description": "Proposed payment to income. Proposed required monthly payment divided by verified gross monthly income.", "unit": "ratio", "formula": "Proposed required monthly payment divided by verified gross monthly income", "required_inputs": [ "Positive verified gross income and exact proposed terms" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-payment_to_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "liquid_reserve_months", "dimension_key": "income_and_affordability", "label": "Liquid reserve months", "description": "Liquid reserve months. Unrestricted liquid funds divided by required monthly outgoings.", "unit": "months", "formula": "Unrestricted liquid funds divided by required monthly outgoings", "required_inputs": [ "Positive complete essential/housing/debt outgoings", "verified liquid balances" ], "eligibility": "Distinguish verified gross income, net deposits and modeled estimates. Include housing, essential spending, obligations and proposed payments without counting them twice.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "credit_bureau", "application", "documents", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-liquid_reserve_months-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "income_source_count", "dimension_key": "income_stability", "label": "Verified income sources", "description": "Verified income sources. Count distinct supported recurring income streams.", "unit": "count", "formula": "Count distinct supported recurring income streams", "required_inputs": [ "Deduplicated income identities and complete observed window" ], "eligibility": "Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-income_source_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "income_volatility", "dimension_key": "income_stability", "label": "Monthly income volatility", "description": "Monthly income volatility. Population standard deviation of complete monthly verified income divided by mean.", "unit": "ratio", "formula": "Population standard deviation of complete monthly verified income divided by mean", "required_inputs": [ "At least six complete months", "positive mean", "gross/net basis fixed" ], "eligibility": "Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-income_volatility-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "income_growth_yoy", "dimension_key": "income_stability", "label": "Income growth year over year", "description": "Income growth year over year. Current verified income minus comparable prior-year income, divided by prior-year income.", "unit": "ratio", "formula": "Current verified income minus comparable prior-year income, divided by prior-year income", "required_inputs": [ "Positive prior income", "same income basis and comparable periods" ], "eligibility": "Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-income_growth_yoy-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "days_since_last_income", "dimension_key": "income_stability", "label": "Days since last income", "description": "Days since last income. Days from most recent verified recurring income receipt to assessment date.", "unit": "days", "formula": "Days from most recent verified recurring income receipt to assessment date", "required_inputs": [ "Supported receipt and assessment date", "missing history is unavailable" ], "eligibility": "Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-days_since_last_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "income_interruption_days", "dimension_key": "income_stability", "label": "Income interruption", "description": "Income interruption. Days past the next expected income date without a matched receipt.", "unit": "days", "formula": "Days past the next expected income date without a matched receipt", "required_inputs": [ "Documented payment cadence, complete account coverage and nonnegative elapsed interval" ], "eligibility": "Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-income_interruption_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "income_continuity_share", "dimension_key": "income_stability", "label": "Income continuity", "description": "Income continuity. Expected income periods with a supported receipt divided by elapsed expected periods.", "unit": "ratio", "formula": "Expected income periods with a supported receipt divided by elapsed expected periods", "required_inputs": [ "Explicit expected cadence and nonzero elapsed periods", "missing account coverage cannot count as interruption" ], "eligibility": "Analyze authorized employment, self-employment and other recurring income streams separately. Income type is not itself an adverse risk reason.", "borrower_types": [ "person" ], "source_families": [ "payroll", "banking", "tax", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-income_continuity_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "nsf_event_count", "dimension_key": "payment_behavior", "label": "Insufficient-funds events", "description": "Insufficient-funds events. Count distinct supported returned-payment events caused by insufficient funds.", "unit": "count", "formula": "Count distinct supported returned-payment events caused by insufficient funds", "required_inputs": [ "Return reason evidence", "deduplicate event and related fee records" ], "eligibility": "Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "credit_bureau", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-nsf_event_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "overdraft_days", "dimension_key": "payment_behavior", "label": "Overdraft days", "description": "Overdraft days. Count covered days with a negative balance in any assessed account.", "unit": "days", "formula": "Count covered days with a negative balance in any assessed account", "required_inputs": [ "Complete per-account daily balances", "union calendar days, not sum across accounts" ], "eligibility": "Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "credit_bureau", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-overdraft_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "returned_payment_amount", "dimension_key": "payment_behavior", "label": "Returned payment amount", "description": "Returned payment amount. Sum principal amounts of distinct returned payment events.", "unit": "currency", "formula": "Sum principal amounts of distinct returned payment events", "required_inputs": [ "Return reason, direction and event linkage", "exclude duplicate fees" ], "eligibility": "Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "credit_bureau", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-returned_payment_amount-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "delinquent_obligation_count", "dimension_key": "payment_behavior", "label": "Delinquent obligations", "description": "Delinquent obligations. Count verified obligations past due at the assessment date.", "unit": "count", "formula": "Count verified obligations past due at the assessment date", "required_inputs": [ "Due dates, payment allocation and complete supported debt schedule" ], "eligibility": "Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "credit_bureau", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-delinquent_obligation_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "maximum_days_past_due", "dimension_key": "payment_behavior", "label": "Maximum days past due", "description": "Maximum days past due. Maximum verified days past due among assessed obligations.", "unit": "days", "formula": "Maximum verified days past due among assessed obligations", "required_inputs": [ "Known contractual dues and allocated repayments", "no delinquency inferred from missing feed" ], "eligibility": "Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "credit_bureau", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-maximum_days_past_due-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "on_time_payment_share", "dimension_key": "payment_behavior", "label": "On-time payment share", "description": "On-time payment share. Obligations paid by contractual due date divided by elapsed eligible obligations.", "unit": "ratio", "formula": "Obligations paid by contractual due date divided by elapsed eligible obligations", "required_inputs": [ "Complete due/payment pairs and positive eligible count" ], "eligibility": "Deduplicate returns and their fees. Report payment outcomes and timing rather than inferring missed payments from missing source coverage.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "credit_bureau", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-on_time_payment_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "open_credit_obligation_count", "dimension_key": "credit_history", "label": "Open credit obligations", "description": "Open credit obligations. Count resolved open obligations in entitled credit evidence.", "unit": "count", "formula": "Count resolved open obligations in entitled credit evidence", "required_inputs": [ "Current permitted report or lender records", "duplicate trades resolved" ], "eligibility": "Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history.", "borrower_types": [ "business", "person" ], "source_families": [ "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-open_credit_obligation_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "bureau_utilization", "dimension_key": "credit_history", "label": "Reported revolving utilization", "description": "Reported revolving utilization. Reported used revolving balances divided by reported limits.", "unit": "ratio", "formula": "Reported used revolving balances divided by reported limits", "required_inputs": [ "Same-report-date positive limits", "disclose bureau coverage and currency" ], "eligibility": "Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history.", "borrower_types": [ "business", "person" ], "source_families": [ "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-bureau_utilization-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "recent_credit_inquiry_count", "dimension_key": "credit_history", "label": "Recent credit inquiries", "description": "Recent credit inquiries. Count supported inquiry events in the requested window.", "unit": "count", "formula": "Count supported inquiry events in the requested window", "required_inputs": [ "Entitled report", "group duplicates/rate-shopping only under disclosed rules" ], "eligibility": "Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history.", "borrower_types": [ "business", "person" ], "source_families": [ "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-recent_credit_inquiry_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "severe_delinquency_count", "dimension_key": "credit_history", "label": "Severe delinquency events", "description": "Severe delinquency events. Count reported obligations meeting institution-defined severe-delinquency criteria.", "unit": "count", "formula": "Count reported obligations meeting institution-defined severe-delinquency criteria", "required_inputs": [ "Current entitled report, criterion version and observation window" ], "eligibility": "Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history.", "borrower_types": [ "business", "person" ], "source_families": [ "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-severe_delinquency_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "public_record_event_count", "dimension_key": "credit_history", "label": "Relevant public-record events", "description": "Relevant public-record events. Count supported relevant insolvency/judgment events in entitled evidence.", "unit": "count", "formula": "Count supported relevant insolvency/judgment events in entitled evidence", "required_inputs": [ "Verified matching, jurisdiction, record date and status", "disputed records remain flagged" ], "eligibility": "Use entitled credit reports with source, score model, pull time and coverage. No matched report is not a clean credit history.", "borrower_types": [ "business", "person" ], "source_families": [ "credit_bureau", "lender", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-public_record_event_count-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "gross_sales", "dimension_key": "commerce_performance", "label": "Gross sales", "description": "Gross sales. Sum eligible sales before refunds and discounts, excluding taxes.", "unit": "currency", "formula": "Sum eligible sales before refunds and discounts, excluding taxes", "required_inputs": [ "Complete store/processor scope and consistent order versus settlement basis" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-gross_sales-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_sales", "dimension_key": "commerce_performance", "label": "Net sales", "description": "Net sales. Gross sales minus discounts, cancellations and refunds.", "unit": "currency", "formula": "Gross sales minus discounts, cancellations and refunds", "required_inputs": [ "Same sales cohort and recognition window", "taxes excluded" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_sales-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "average_order_value", "dimension_key": "commerce_performance", "label": "Average order value", "description": "Average order value. Net eligible order sales divided by completed noncancelled order count.", "unit": "currency", "formula": "Net eligible order sales divided by completed noncancelled order count", "required_inputs": [ "Positive comparable order count", "order-based rather than settlement data" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-average_order_value-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "repeat_customer_share", "dimension_key": "commerce_performance", "label": "Repeat customer share", "description": "Repeat customer share. Customers with more than one completed purchase divided by purchasing customers.", "unit": "ratio", "formula": "Customers with more than one completed purchase divided by purchasing customers", "required_inputs": [ "Stable authorized customer IDs and positive cohort count" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-repeat_customer_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "monthly_recurring_revenue", "dimension_key": "commerce_performance", "label": "Monthly recurring revenue", "description": "Monthly recurring revenue. Contracted recurring subscription revenue normalized to a month.", "unit": "currency", "formula": "Contracted recurring subscription revenue normalized to a month", "required_inputs": [ "Active recurring subscriptions, currency and documented usage/discount treatment" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-monthly_recurring_revenue-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "gross_revenue_retention", "dimension_key": "commerce_performance", "label": "Gross revenue retention", "description": "Gross revenue retention. Opening recurring revenue minus churn and contraction divided by opening recurring revenue.", "unit": "ratio", "formula": "Opening recurring revenue minus churn and contraction divided by opening recurring revenue", "required_inputs": [ "Positive opening cohort revenue", "expansion excluded" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-gross_revenue_retention-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "net_revenue_retention", "dimension_key": "commerce_performance", "label": "Net revenue retention", "description": "Net revenue retention. Opening recurring revenue minus churn/contraction plus expansion divided by opening recurring revenue.", "unit": "ratio", "formula": "Opening recurring revenue minus churn/contraction plus expansion divided by opening recurring revenue", "required_inputs": [ "Same opening customer cohort and positive starting revenue" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-net_revenue_retention-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "settlement_delay_days", "dimension_key": "commerce_performance", "label": "Settlement delay", "description": "Settlement delay. Amount-weighted days from captured sale to corresponding bank settlement.", "unit": "days", "formula": "Amount-weighted days from captured sale to corresponding bank settlement", "required_inputs": [ "Matched eligible captures and settlements", "positive settled value" ], "eligibility": "Keep store/platform coverage, settlement lags and currency explicit. Cohort metrics require stable customer identifiers and a complete comparable cohort.", "borrower_types": [ "business" ], "source_families": [ "payments", "commerce", "subscriptions" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-settlement_delay_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "payroll_burden_share", "dimension_key": "operating_resilience", "label": "Payroll burden", "description": "Payroll burden. Payroll cash cost including employer costs divided by verified revenue.", "unit": "ratio", "formula": "Payroll cash cost including employer costs divided by verified revenue", "required_inputs": [ "Positive comparable revenue", "supported payroll records" ], "eligibility": "Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media.", "borrower_types": [ "business" ], "source_families": [ "payroll", "inventory", "accounting", "commerce", "logistics" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-payroll_burden_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "payroll_growth_yoy", "dimension_key": "operating_resilience", "label": "Payroll growth year over year", "description": "Payroll growth year over year. Current payroll cost minus prior-year cost divided by prior-year cost.", "unit": "ratio", "formula": "Current payroll cost minus prior-year cost divided by prior-year cost", "required_inputs": [ "Comparable periods", "positive prior payroll", "no employee protected attributes" ], "eligibility": "Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media.", "borrower_types": [ "business" ], "source_families": [ "payroll", "inventory", "accounting", "commerce", "logistics" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-payroll_growth_yoy-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "inventory_stockout_share", "dimension_key": "operating_resilience", "label": "Inventory stockout share", "description": "Inventory stockout share. Observed sellable item-days out of stock divided by observed eligible item-days.", "unit": "ratio", "formula": "Observed sellable item-days out of stock divided by observed eligible item-days", "required_inputs": [ "Inventory history and eligible active-item scope", "positive coverage" ], "eligibility": "Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media.", "borrower_types": [ "business" ], "source_families": [ "payroll", "inventory", "accounting", "commerce", "logistics" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-inventory_stockout_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "fulfillment_on_time_share", "dimension_key": "operating_resilience", "label": "On-time fulfillment share", "description": "On-time fulfillment share. Fulfilled eligible orders on/before promised date divided by eligible fulfilled orders.", "unit": "ratio", "formula": "Fulfilled eligible orders on/before promised date divided by eligible fulfilled orders", "required_inputs": [ "Complete order and shipment dates", "positive eligible count" ], "eligibility": "Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media.", "borrower_types": [ "business" ], "source_families": [ "payroll", "inventory", "accounting", "commerce", "logistics" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-fulfillment_on_time_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "supplier_payment_delay_days", "dimension_key": "operating_resilience", "label": "Supplier payment delay", "description": "Supplier payment delay. Amount-weighted days paid after contractual due date for settled trade bills.", "unit": "days", "formula": "Amount-weighted days paid after contractual due date for settled trade bills", "required_inputs": [ "Matched bill/payment allocations", "positive paid amounts", "early payments recorded as zero delay" ], "eligibility": "Measure payroll, supplier, inventory and fulfillment exposure from operational evidence. Do not infer management quality from personal traits or social media.", "borrower_types": [ "business" ], "source_families": [ "payroll", "inventory", "accounting", "commerce", "logistics" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-supplier_payment_delay_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "tax_liability", "dimension_key": "tax_and_compliance", "label": "Reported tax liability", "description": "Reported tax liability. Sum supported outstanding assessed tax obligations at the assessment date.", "unit": "currency", "formula": "Sum supported outstanding assessed tax obligations at the assessment date", "required_inputs": [ "Entitled tax/statement evidence with assessed versus estimated status" ], "eligibility": "Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification.", "borrower_types": [ "business" ], "source_families": [ "tax", "accounting", "registry", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-tax_liability-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "tax_overdue_amount", "dimension_key": "tax_and_compliance", "label": "Overdue tax amount", "description": "Overdue tax amount. Sum supported unpaid tax obligations past their due dates.", "unit": "currency", "formula": "Sum supported unpaid tax obligations past their due dates", "required_inputs": [ "Actual due dates and paid allocations", "estimated taxes not treated as arrears" ], "eligibility": "Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification.", "borrower_types": [ "business" ], "source_families": [ "tax", "accounting", "registry", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-tax_overdue_amount-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "tax_payment_coverage", "dimension_key": "tax_and_compliance", "label": "Tax payment coverage", "description": "Tax payment coverage. Payments allocated to due assessed taxes divided by due assessed taxes.", "unit": "ratio", "formula": "Payments allocated to due assessed taxes divided by due assessed taxes", "required_inputs": [ "Positive due taxes and matched same-period payments" ], "eligibility": "Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification.", "borrower_types": [ "business" ], "source_families": [ "tax", "accounting", "registry", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-tax_payment_coverage-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "filing_coverage", "dimension_key": "tax_and_compliance", "label": "Filing evidence coverage", "description": "Filing evidence coverage. Required filings with supported filing evidence divided by known required filings.", "unit": "ratio", "formula": "Required filings with supported filing evidence divided by known required filings", "required_inputs": [ "Explicit jurisdiction and obligation inventory", "positive required count", "not a compliance opinion" ], "eligibility": "Separate declared, filed, assessed and paid amounts and their periods. Registration or filing evidence is not a legal or tax-compliance certification.", "borrower_types": [ "business" ], "source_families": [ "tax", "accounting", "registry", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-filing_coverage-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "bank_accounting_match_share", "dimension_key": "financial_reporting_quality", "label": "Bank-to-books match share", "description": "Bank-to-books match share. Matched bank-side absolute value divided by eligible bank-side absolute value.", "unit": "ratio", "formula": "Matched bank-side absolute value divided by eligible bank-side absolute value", "required_inputs": [ "Same currency/period", "positive eligible value", "timing/FX/fees reconciled explicitly" ], "eligibility": "Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements.", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-bank_accounting_match_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "statement_balance_discrepancy", "dimension_key": "financial_reporting_quality", "label": "Balance-sheet discrepancy", "description": "Balance-sheet discrepancy. Assets minus liabilities minus equity.", "unit": "currency", "formula": "Assets minus liabilities minus equity", "required_inputs": [ "Same-date complete statement and currency" ], "eligibility": "Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements.", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-statement_balance_discrepancy-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "material_adjustment_share", "dimension_key": "financial_reporting_quality", "label": "Material accounting adjustments", "description": "Material accounting adjustments. Absolute supported adjustment value divided by absolute pre-adjustment eligible activity.", "unit": "ratio", "formula": "Absolute supported adjustment value divided by absolute pre-adjustment eligible activity", "required_inputs": [ "Versioned materiality rule", "positive activity", "journal reversals handled" ], "eligibility": "Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements.", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-material_adjustment_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "books_closing_lag_days", "dimension_key": "financial_reporting_quality", "label": "Books closing lag", "description": "Books closing lag. Days between accounting period end and supported closing/finalization date.", "unit": "days", "formula": "Days between accounting period end and supported closing/finalization date", "required_inputs": [ "Both dates", "draft or unknown close state yields unavailable" ], "eligibility": "Measure statement coverage, closing lag, reconciliations and material adjustments; missing accounting records are not fabricated statements.", "borrower_types": [ "business" ], "source_families": [ "accounting", "banking", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-books_closing_lag_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "observed_account_coverage", "dimension_key": "data_quality", "label": "Declared-account coverage", "description": "Declared-account coverage. Assessed declared accounts divided by known declared relevant accounts.", "unit": "ratio", "formula": "Assessed declared accounts divided by known declared relevant accounts", "required_inputs": [ "Explicit declared account inventory and positive denominator", "not all external accounts" ], "eligibility": "Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payments", "commerce", "payroll", "identity", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-observed_account_coverage-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "covered_history_days", "dimension_key": "data_quality", "label": "Covered history", "description": "Covered history. Count fully covered days across the required source/account set.", "unit": "days", "formula": "Count fully covered days across the required source/account set", "required_inputs": [ "Required source roster and gap-aware observed intervals" ], "eligibility": "Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payments", "commerce", "payroll", "identity", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-covered_history_days-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "stale_source_share", "dimension_key": "data_quality", "label": "Stale required sources", "description": "Stale required sources. Required sources exceeding configured freshness tolerance divided by required sources.", "unit": "ratio", "formula": "Required sources exceeding configured freshness tolerance divided by required sources", "required_inputs": [ "Nonzero required-source count", "source-specific freshness policy" ], "eligibility": "Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payments", "commerce", "payroll", "identity", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-stale_source_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "unclassified_transaction_share", "dimension_key": "data_quality", "label": "Unclassified transactions", "description": "Unclassified transactions. Unclassified eligible transaction count divided by eligible transaction count.", "unit": "ratio", "formula": "Unclassified eligible transaction count divided by eligible transaction count", "required_inputs": [ "Nonzero posted deduplicated population and versioned classification taxonomy" ], "eligibility": "Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payments", "commerce", "payroll", "identity", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-unclassified_transaction_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "reconciled_value_share", "dimension_key": "data_quality", "label": "Reconciled financial value", "description": "Reconciled financial value. Reconciled eligible absolute amount divided by eligible absolute amount.", "unit": "ratio", "formula": "Reconciled eligible absolute amount divided by eligible absolute amount", "required_inputs": [ "Same comparable matching universe and positive denominator" ], "eligibility": "Describe observed coverage against declared/required sources; never imply visibility into all of a borrower's external accounts.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payments", "commerce", "payroll", "identity", "documents" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-reconciled_value_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "projected_minimum_cash", "dimension_key": "forecasting_and_stress", "label": "Projected minimum cash", "description": "Projected minimum cash. Minimum closing cash in the defined forecast horizon.", "unit": "currency", "formula": "Minimum closing cash in the defined forecast horizon", "required_inputs": [ "Versioned model or deterministic projection, explicit assumptions, horizon and complete starting balances" ], "eligibility": "Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payroll", "application", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-projected_minimum_cash-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "stress_dscr", "dimension_key": "forecasting_and_stress", "label": "Stressed debt-service coverage", "description": "Stressed debt-service coverage. Scenario eligible cash flow divided by scenario existing/proposed debt service.", "unit": "ratio", "formula": "Scenario eligible cash flow divided by scenario existing/proposed debt service", "required_inputs": [ "Explicit parameter shocks, transmission method and positive complete debt service" ], "eligibility": "Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "payroll", "application", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-stress_dscr-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "stress_residual_income", "dimension_key": "forecasting_and_stress", "label": "Stressed residual income", "description": "Stressed residual income. Scenario verified net income minus scenario non-overlapping essential/housing/debt outgoings.", "unit": "currency", "formula": "Scenario verified net income minus scenario non-overlapping essential/housing/debt outgoings", "required_inputs": [ "Defined consumer scenario, exact payment terms and complete base components" ], "eligibility": "Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities.", "borrower_types": [ "person" ], "source_families": [ "banking", "accounting", "payroll", "application", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-stress_residual_income-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "liquidity_shortfall", "dimension_key": "forecasting_and_stress", "label": "Projected liquidity shortfall", "description": "Projected liquidity shortfall. Maximum of zero and required liquidity floor minus minimum projected cash.", "unit": "currency", "formula": "Maximum of zero and required liquidity floor minus minimum projected cash", "required_inputs": [ "Institution-defined floor and supported forecast horizon", "no default-probability interpretation" ], "eligibility": "Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payroll", "application", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-liquidity_shortfall-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "break_even_revenue_decline", "dimension_key": "forecasting_and_stress", "label": "Break-even revenue decline", "description": "Break-even revenue decline. Smallest modeled proportional revenue reduction that breaches an explicit capacity threshold.", "unit": "ratio", "formula": "Smallest modeled proportional revenue reduction that breaches an explicit capacity threshold", "required_inputs": [ "Documented cost elasticity, search bounds, institution threshold and scenario model", "no universal shock" ], "eligibility": "Separate scenario assumptions from observations. Forecasts require model/version, horizon and interval methodology; stress outcomes are conditional, not default probabilities.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "payroll", "application", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-break_even_revenue_decline-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "related_party_receipts_share", "dimension_key": "relationship_risk", "label": "Related-party receipts share", "description": "Related-party receipts share. Identified related-party operating receipts divided by operating receipts.", "unit": "ratio", "formula": "Identified related-party operating receipts divided by operating receipts", "required_inputs": [ "Evidence-supported relationships and positive operating receipts" ], "eligibility": "Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed.", "borrower_types": [ "business" ], "source_families": [ "registry", "accounting", "banking", "application" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-related_party_receipts_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "circular_flow_amount", "dimension_key": "relationship_risk", "label": "Potential circular-flow amount", "description": "Potential circular-flow amount. Sum uniquely attributed flow amount in evidence-supported return paths.", "unit": "currency", "formula": "Sum uniquely attributed flow amount in evidence-supported return paths", "required_inputs": [ "Versioned temporal/value matching and unique path attribution", "suspicion requires review" ], "eligibility": "Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed.", "borrower_types": [ "business" ], "source_families": [ "registry", "accounting", "banking", "application" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-circular_flow_amount-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "connected_counterparty_share", "dimension_key": "relationship_risk", "label": "Connected-counterparty exposure", "description": "Connected-counterparty exposure. Exposure to evidence-linked counterparties divided by total covered counterparty exposure.", "unit": "ratio", "formula": "Exposure to evidence-linked counterparties divided by total covered counterparty exposure", "required_inputs": [ "Authorized relationship graph, positive exposure and declared edge types" ], "eligibility": "Only borrower-authorized ownership and transaction relationships are in scope. Links require evidence and uncertainty; no cross-institution identity graph is exposed.", "borrower_types": [ "business" ], "source_families": [ "registry", "accounting", "banking", "application" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-connected_counterparty_share-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "revenue_change_from_baseline", "dimension_key": "monitoring_change", "label": "Revenue change from baseline", "description": "Revenue change from baseline. Current comparable revenue minus baseline revenue divided by baseline revenue.", "unit": "ratio", "formula": "Current comparable revenue minus baseline revenue divided by baseline revenue", "required_inputs": [ "Positive baseline revenue and compatible equal-length windows and calculation versions" ], "eligibility": "Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "payroll", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-revenue_change_from_baseline-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "liquidity_change_from_baseline", "dimension_key": "monitoring_change", "label": "Liquidity change from baseline", "description": "Liquidity change from baseline. Current unrestricted cash minus baseline unrestricted cash.", "unit": "currency", "formula": "Current unrestricted cash minus baseline unrestricted cash", "required_inputs": [ "Compatible account scope, currency, basis and source quality" ], "eligibility": "Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payroll", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-liquidity_change_from_baseline-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "dscr_change_from_baseline", "dimension_key": "monitoring_change", "label": "DSCR change from baseline", "description": "DSCR change from baseline. Current DSCR minus baseline DSCR.", "unit": "ratio", "formula": "Current DSCR minus baseline DSCR", "required_inputs": [ "Comparable complete schedules, windows, methodology and lending scope" ], "eligibility": "Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta.", "borrower_types": [ "business" ], "source_families": [ "banking", "accounting", "payroll", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-dscr_change_from_baseline-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." }, { "key": "obligation_growth_from_baseline", "dimension_key": "monitoring_change", "label": "Debt change from baseline", "description": "Debt change from baseline. Current total debt minus baseline debt divided by baseline debt.", "unit": "ratio", "formula": "Current total debt minus baseline debt divided by baseline debt", "required_inputs": [ "Positive baseline debt, compatible reporting scope and verified obligations" ], "eligibility": "Compare compatible windows, scope, currencies and calculation versions. If comparability fails, expose the reason and no numeric delta.", "borrower_types": [ "business", "person" ], "source_families": [ "banking", "accounting", "payroll", "lender" ], "definition_version": "2026-11-06.1", "calculation_version": "amlok-obligation_growth_from_baseline-1", "window_rule": "Return the actual UTC observation window and as-of date. Point-in-time metrics use dated observations; period, cohort and prior-period requirements above are mandatory. No silent annualization.", "unavailable_rule": "Return null with a typed reason when inputs, coverage, entitlement or a valid denominator are missing. Do not replace missing values with zero.", "interpretation": "Ratios are fractions, not percentages. Amounts have an explicit currency. A metric is an assessment input, not an institution decision." } ] }