Nine deterministic, browser-based tools covering the full SME financial health lifecycle — from credit risk scoring and working capital gap analysis through invoice finance eligibility, revenue-based finance modelling, government grant mapping, cash flow stress testing, and facility covenant monitoring. CFPB 1033 and PSD3 open finance signals modelled. Zero PII. All client-side.
Follow the 5-step lending readiness journey below to navigate by use case, or scroll to any tool group directly. All tools run in your browser — no account, no data transmission.
6-dimension rule-based credit scoring for SME lending readiness: revenue, business age, DSCR, payment behaviour, sector risk, and adverse events. Outputs composite score and S&P-equivalent rating tier.
AR days + inventory days − AP days → Cash Conversion Cycle and working capital funding gap. Plain-language financing instrument recommendations: overdraft, invoice finance, RBF, trade credit.
Score readiness against typical bank and fintech lender criteria, assess invoice finance eligibility, model RBF product economics, and map government grant eligibility.
13-week rolling cash flow stress test with revenue drop and payment delay shocks. Outputs cash runway estimate and weeks-to-zero-cash per scenario.
Track DSCR, leverage ratio, minimum cash balance, and current ratio against agreed thresholds. Generates compliance status, headroom percentage, and breach trigger alerts.
6-dimension rule-based credit scoring for SME lending readiness: revenue, business age, DSCR, payment behaviour, sector risk, and adverse events. Outputs composite score (0–100), S&P-equivalent rating tier, dimension-by-dimension scorecard, lending instrument recommendations, and Policy Mandate JSON SME credit profile. Client-side. Zero PII.
Open ToolLightweight SME entry-point. AR days + inventory days − AP days → Cash Conversion Cycle and working capital funding gap. Plain-language financing instrument recommendations: overdraft, invoice finance, RBF, trade credit. Cross-links to Tool 89 for the full stress lab. Outputs CCC summary, funding gap, instrument recommendation, and Policy Mandate JSON funding profile. Client-side. Zero PII.
Open ToolScore SME readiness against typical bank and fintech lender criteria: minimum trading history, minimum revenue, DSCR requirements, credit history, asset coverage. Outputs readiness score, gap analysis per criterion, and recommended loan type by lender category. Client-side. Zero PII.
Open ToolAssess SME eligibility for invoice finance products: invoice discounting, factoring, and selective invoice finance. Inputs: debtor concentration, invoice value, payment terms, debtor creditworthiness. Outputs: product eligibility assessment, maximum funding availability estimate, fee cost model, and Markdown eligibility report. Client-side. Zero PII.
Open ToolModel how CFPB 1033 / PSD3 open banking transaction data could improve SME underwriting. Modelling and illustration only — no real account data processed. Outputs credit signal quality assessment, underwriting improvement estimate, and Policy Mandate JSON open-data credit policy. Disclaimer: models compliance posture only, not a credit decision. Client-side. Zero PII.
Open ToolModel revenue-based finance product economics. Inputs: advance amount, revenue share percentage, monthly revenue, cap rate. Outputs: repayment timeline, total cost of capital, effective APR equivalent, payback period by revenue scenario, and Policy Mandate JSON financing terms. Client-side. Zero PII.
Open ToolMap SME eligibility for government funding schemes by jurisdiction (US, UK, EU) and business type. Covers US SBIR/STTR, UK Innovate UK, EU Horizon, UK Growth Guarantee Scheme successor schemes. Outputs applicable schemes, eligibility criteria, funding ranges, and application complexity rating. Client-side. Zero PII.
Open ToolLightweight 13-week rolling cash flow stress test. Inputs: current cash balance, weekly receivables, weekly payables. Apply shocks: revenue drop (−20%/−40%), payment delay (+15/+30 days), unexpected capex. Outputs cash runway estimate, weeks-to-zero-cash per scenario, and Markdown cash management memo. Cross-links to Tool 89. Client-side. Zero PII.
Open ToolMonitor SME lending facility covenants: DSCR, leverage ratio, minimum cash balance, current ratio. Input current financial metrics and covenant thresholds. Outputs compliance status, headroom percentage, breach trigger alerts, and Markdown monitoring memo. Client-side. Zero PII.
Open ToolLast reviewed: May 2026 · 9 tools · Cat-20 · SME Financial Health
Pre-application readiness and gap analysis. Run T239 to understand your credit profile, T240 to quantify the working capital gap, and T241 to check readiness against lender criteria. T245 for non-dilutive grant options.
Credit assessment and facility sizing. Use T239 for a deterministic internal credit score with dimension-level breakdown. T240 sizes the working capital facility. T247 monitors covenants post-drawdown.
Open finance and RBF integration. T243 models CFPB 1033 / PSD3 data signal quality uplift. T244 prices revenue-based finance products. T242 assesses invoice finance eligibility.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
UK Finance SME Lending Standards and British Business Bank guidance. DSCR benchmarks, lender minimum criteria, covenant packages, and Growth Guarantee Scheme parameters. Tools T239, T241, T247.
CFPB Final Rule 12 CFR Part 1033 (2024) — consumer and SME financial data portability. Modelled credit signal quality improvement for SME underwriting. Tool T243.
EU Payment Services Directive 3 (expected 2026/27 transposition). Open banking data access for SME credit decisioning — data signal modelling. Tool T243.
US SBIR/STTR, UK Innovate UK, UK Growth Guarantee Scheme, EU Horizon Europe, EU COSME successor. Eligibility thresholds and application requirements. Tool T245.
Open T239 — SME Credit Risk Scoring Engine, input revenue, DSCR, business age, payment behaviour, sector, and adverse events. Export the Policy Mandate JSON SME credit profile as your starting audit trail.
Use T240 — Working Capital Gap Calculator to calculate CCC from AR, AP, and inventory days. The funding gap output tells you exactly how large a facility you need.
Run T241 — Business Loan Readiness Checker to identify gaps versus specific lender criteria. Then use T242 or T244 to model invoice finance or RBF economics. Check T245 for non-dilutive grant options first.
Before drawing down, run T246 — Cash Flow Stress Test to confirm the facility stays solvent under revenue drop and payment delay scenarios.
Post-drawdown, use T247 — Covenant Monitoring Dashboard to track DSCR, leverage, minimum cash balance, and current ratio against agreed thresholds. Export Markdown memos for board and lender reporting.
All 9 tools expose structured outputs compatible with the AINumbers MCP manifest.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T239 | score_sme_credit_risk | revenue, dscr, business_age, payment_behaviour, sector, adverse_events | composite_score, rating_tier, scorecard{}, instrument_recommendations[], policy_mandate_json |
| T240 | calculate_working_capital_gap | ar_days, inventory_days, ap_days, monthly_revenue | ccc, funding_gap, instrument_recommendation, policy_mandate_json |
| T241 | check_business_loan_readiness | trading_history_months, revenue, dscr, credit_history, asset_coverage | readiness_score, gap_analysis{}, recommended_loan_type[] |
| T242 | assess_invoice_finance_eligibility | debtor_concentration, invoice_value, payment_terms, debtor_credit | eligibility{}, max_funding, fee_model, markdown_report |
| T243 | map_open_finance_credit_signals | jurisdiction, data_signal_types[], underwriting_model | signal_quality, improvement_estimate, policy_mandate_json |
| T244 | calculate_rbf_economics | advance_amount, revenue_share_pct, monthly_revenue, cap_rate | repayment_timeline, total_cost, effective_apr, payback_period, policy_mandate_json |
| T245 | map_government_funding_grants | jurisdiction, business_type, sector, employee_count, revenue | applicable_schemes[], eligibility_criteria{}, funding_ranges{}, complexity_rating |
| T246 | stress_test_sme_cashflow | cash_balance, weekly_receivables, weekly_payables, shock_scenarios[] | cash_runway_weeks, weeks_to_zero{}, markdown_memo |
| T247 | monitor_lending_covenants | dscr, leverage_ratio, cash_balance, current_ratio, covenant_thresholds{} | compliance_status{}, headroom_pct{}, breach_alerts[], markdown_memo |