{
      "name": "sme-credit-intelligence",
      "domain": "SME & Commercial Finance",
      "title": "SME Credit Intelligence",
      "description": "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.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/sme-credit-intelligence.html",
      "steps": [
        {
          "tool_id": "239-sme-credit-risk-scoring",
          "handoff": "credit_score and risk_tier feed Stage 2 working capital gap analysis"
        },
        {
          "tool_id": "240-working-capital-gap-calculator",
          "handoff": "working_capital_gap and cashflow_gaps feed Stage 3 business loan readiness"
        },
        {
          "tool_id": "241-business-loan-readiness-checker",
          "handoff": "loan_readiness_score and qualification_criteria feed Stage 4 open-finance signal mapping"
        },
        {
          "tool_id": "243-open-finance-credit-signal-mapper",
          "handoff": "open_finance_signals and alternative_data feed Stage 5 cashflow stress test"
        },
        {
          "tool_id": "246-sme-cashflow-stress-test",
          "handoff": "stress_scenario_results and composite_credit_mandate — final SME credit mandate"
        }
      ]
    }