OpenChainGraph Suite · CONTRACT A3 · arch #5

SME Credit Intelligence

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

SME credit risk scoring > working capital gap analysis > business loan readiness > open-finance credit signal mapping > SME cashflow stress test — composite SME credit intelligence mandate.

OpenChainGraph · 5 Steps credit assessment Hash-Anchored §4 chain_depth:5 Client-Side · Zero PII
Chain Topology — Sme Credit Risk Scoring → Working Capital Gap Calculator → Business Loan Readiness Checker → Open Finance Credit Signal Mapper → Sme Cashflow Stress Test
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Market Rationale
Buyer: SME Credit Analyst / Open Banking Lending Platform
Forcing function: Open Finance data availability via PSD2/3; IFRS9 SME provisioning; FCA consumer duty for SMEs
Chain Stages · 5 Steps
1 ROOT · D0 catalog
Sme Credit Risk Scoring 239-sme-credit-risk-scoring
credit_score and risk_tier feed Stage 2 working capital gap analysis
↓
2 D2 catalog
Working Capital Gap Calculator 240-working-capital-gap-calculator
working_capital_gap and cashflow_gaps feed Stage 3 business loan readiness
↓
3 D3 catalog
Business Loan Readiness Checker 241-business-loan-readiness-checker
loan_readiness_score and qualification_criteria feed Stage 4 open-finance signal mapping
↓
4 D4 catalog
Open Finance Credit Signal Mapper 243-open-finance-credit-signal-mapper
open_finance_signals and alternative_data feed Stage 5 cashflow stress test
↓
5 TERMINAL · D5 catalog
Sme Cashflow Stress Test 246-sme-cashflow-stress-test
stress_scenario_results and composite_credit_mandate — final SME credit mandate
▶ Run this chain (live) browser · real execution · composite §4 hash
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.