OpenChainGraph Suite · CONTRACT A3 · arch #5

SME Finance & Lending

SME credit risk scoring > working capital gap analysis > invoice finance eligibility > revenue-based finance calculator > lending covenant monitoring — composite SME finance 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 → Invoice Finance Eligibility → Revenue Based Finance Calculator → Lending Covenant Monitoring
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Market Rationale
Buyer: SME Lending Officer / Credit Risk Manager at challenger bank or credit platform
Forcing function: PSD3 open banking credit data; EBA SME lending guidelines; CSRD SME simplification
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
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2 D2 catalog
Working Capital Gap Calculator 240-working-capital-gap-calculator
working_capital_gap and cashflow_seasonality feed Stage 3 invoice finance eligibility
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3 D3 catalog
Invoice Finance Eligibility 242-invoice-finance-eligibility
invoice_finance_capacity and eligible_receivables feed Stage 4 revenue-based finance
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4 D4 catalog
Revenue Based Finance Calculator 244-revenue-based-finance-calculator
rbf_terms and repayment_schedule feed Stage 5 lending covenant monitoring
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5 TERMINAL · D5 catalog
Lending Covenant Monitoring 247-lending-covenant-monitoring
covenant_triggers and monitoring_plan — final SME finance mandate
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.