{
      "name": "sme-finance-lending",
      "domain": "SME & Commercial Finance",
      "title": "SME Finance & Lending",
      "description": "SME credit risk scoring > working capital gap analysis > invoice finance eligibility > revenue-based finance calculator > lending covenant monitoring: composite SME finance mandate.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/sme-finance-lending.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_seasonality feed Stage 3 invoice finance eligibility"
        },
        {
          "tool_id": "242-invoice-finance-eligibility",
          "handoff": "invoice_finance_capacity and eligible_receivables feed Stage 4 revenue-based finance"
        },
        {
          "tool_id": "244-revenue-based-finance-calculator",
          "handoff": "rbf_terms and repayment_schedule feed Stage 5 lending covenant monitoring"
        },
        {
          "tool_id": "247-lending-covenant-monitoring",
          "handoff": "covenant_triggers and monitoring_plan — final SME finance mandate"
        }
      ]
    }