Post Oak Labs Showcase Global South SME Lending Passport
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POL
Post Oak Labs · SME Advisory Practice
Composes T239 · T240 · T244 AINumbers Cat-20 Zero PII · Client-side
Lending Passport · v1.0 Issued: —
Credit · Global South IFC / BIS SME Standards AP2 Credit Mandate

Global South SME Lending Passport

A single board-ready readiness scorecard combining credit-risk, working-capital and revenue-based-finance economics — designed to be presented to local commercial banks in Brazil and Nigeria when sizing an SME facility.

Passport IDPOL-LP-2026-····
Issuing entityPost Oak Labs
MethodologyRule-based · Auditable
Validity90 days from issue
CounterpartyLocal commercial banks
IFC / BIS · SME framing

The scoring weights (DSCR · revenue · age · payment behaviour · sector · adverse) align with IFC SME Finance Forum definitions and BCBS guidance on SME credit risk (BCBS 207, 2011) for jurisdictions where audited financials are scarce. The working-capital-gap method (CCC = AR + Inventory − AP) follows IFC's working-capital diagnostic toolkit; the factoring + RBF blend mirrors instruments commonly offered by IFC-partner local commercial banks in Brazil and Nigeria.

Sources: IFC SME Finance Forum · BCBS 207 (2011) · IFC Working Capital Diagnostic · CBN Microfinance Policy Framework
SECTION 01 Business profile & cash-cycle inputs Underwriting basis
Inputs Source: T239 + T240 schemas
R$
days
days
days
SECTION 02 Credit risk score — 6-dimension scorecard Tool 239 · rule-based · auditable
— / 100
—
— readiness tier
S&P-equiv —
SECTION 03 Cash conversion cycle & funding gap Tool 240 · CCC = DSO + DIO − DPO
Cash Conversion Cycle
—
days · cash tied up in cycle
Daily Revenue Run-Rate
—
revenue ÷ 365
Working Capital Gap
—
revenue × CCC ÷ 365
% of Annual Revenue
—
funding gap as share of revenue
CCC — component contribution — days net
AR days · — Inventory days · — AP days (offset) · —
Operating funding gap to bridge
—
—
Severity tier — working capital position
SECTION 04 Financing instrument slider — RBF × Invoice Factoring Tool 244 + invoice-finance ROI
100% INSTRUMENT A
Invoice Factoring
Antecipação de recebíveis · BR
100% INSTRUMENT B
Revenue-Based Finance
% of monthly revenue share
100% FACTORING 75 / 25 50 / 50 BLEND 25 / 75 100% RBF
Invoice Factoring
50% of gap
Advance to SME
—
Total fees
—
Effective APR
—
Net cash unlocked
—
90% of AR advanced · discount fee charged over DSO window. Tied to invoice ageing — no covenants, no PG.
Revenue-Based Finance
50% of gap
Advance to SME
—
Total repayment
—
Effective APR
—
Months to payback
—
Cap rate 1.35× · 8% of monthly revenue. No fixed schedule — repayment flexes with cash flow.
Blended cost of capital
—
absolute
Blended APR equivalent
—
annualised
Gap coverage
—
vs working-capital need
ROI on bridge capital
—
contribution margin retained
SECTION 05 Board-ready financing readiness recommendation For commercial-bank presentation
Issued
—READY
Post Oak Labs · Advisory recommendation

—

Run the inputs above to generate a board recommendation.

    Suggested counterparties — Brazil
    Underwriting flags
    Methodology · T239 · T240 · T244
    CC BY 4.0 · Post Oak Labs · ainumbers.co · Cat-20 SME Financial Health
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