Funding Policies

Why This Exists

This document defines policies that govern Funding behavior and event reactions.

Owner

The owner is the Chief Product Officer and Enterprise Architect.

Business Value

Policies make funding need intake, readiness assessment, product matching, partner matching, application workflow, repayment tracking, and risk management consistent.

Policy Catalogue

Policy	Runs when	Decision made	Outputs
Funding Need Intake Policy	Need is created or detected.	Whether funding need is valid.	FundingNeedIdentified.
Working Capital Assessment Policy	Need or contract context changes.	Readiness and gap assessment.	WorkingCapitalAssessmentCompleted.
Product Matching Policy	Readiness assessment completes.	Suitable funding product types.	Product match.
Partner Matching Policy	Product match exists.	Suitable funding partners.	Funding recommendation.
Application Workflow Policy	Application status changes.	Next workflow state.	Status change event.
Cash-Flow Risk Policy	Contract, invoice, payment, or repayment signal changes.	Risk level and mitigation.	CashFlowRiskIdentified.
Repayment Tracking Policy	Schedule or payment event occurs.	Repayment status.	RepaymentRecorded.
Intelligence Recommendation Review Policy	AI suggests funding action.	Accept, reject, or review.	Funding recommendation or rejection.

Policy Flow

flowchart TD
    Need[Funding Need]
    Assess[Working Capital Assessment]
    Product[Product Matching]
    Partner[Partner Matching]
    Application[Application Workflow]
    Repayment[Repayment Tracking]
    Risk[Cash-Flow Risk]

    Need --> Assess
    Assess --> Product
    Product --> Partner
    Partner --> Application
    Application --> Repayment
    Repayment --> Risk

Intelligence Boundary

Intelligence may estimate funding need and recommend options. Funding policies decide whether those estimates become Funding recommendation records or workflow state.