Funding Eligibility Assessment Process¶
Executive Summary¶
The Funding Eligibility Assessment Process is part of the Funding Readiness process wave. It defines the controlled operating step that produces this outcome: Assess likely eligibility for funding products or partner categories as decision support and partner matching.
This is a business process specification. It does not define software implementation, API contracts, database schemas, or regulated financial advice.
Why This Exists¶
This process exists because funding support must be evidence-based, auditable, approval-aware, and connected to contract delivery, organization context, partner matching, application tracking, repayment obligations, and funding risk. The process frames outputs as decision support and partner matching rather than final financial advice.
Owner¶
The owning Practice is Funding. The primary Digital Professional is Beacon. The Chief Product Officer and Enterprise Architect owns the process standard. Domains retain ownership of business facts.
Business Value¶
This process creates business value by helping customers identify funding needs early, understand cash-flow exposure, prepare better funding applications, monitor approval and repayment risk, and close out funding support with lessons learned.
Domain Ownership¶
| Domain | Ownership in Funding Readiness |
|---|---|
| Funding | Owns funding needs, working capital assessments, eligibility assessments, partner matches, applications, approval status, funding risk, repayment tracking, closeout, and funding recommendation records. |
| Contract | Owns contract delivery state, contract value, milestones, deliverables, invoice context, payment timing, and delivery obligations. |
| Organization | Owns organization profile, financial profile references, business context, capabilities, services, products, people, resources, and preferences. |
| Marketplace | Owns funding partner listing display, provider discovery workflow, and marketplace visibility where used. |
| Notification | Owns reminders, escalation delivery, read status, communication history, and notification preferences. |
| Analytics | Owns reporting views, KPI snapshots, funding performance summaries, cash-flow trend views, and executive insights. |
| Intelligence | Owns reasoning records, estimates, recommendations, confidence scoring, explainability, and memory coordination. |
Practices and Digital Professionals¶
| Practice | Digital Professionals | Contribution |
|---|---|---|
| Funding | Beacon | Leads funding need identification, cash-flow assessment, working capital assessment, eligibility assessment, partner matching, application preparation, approval tracking, risk monitoring, repayment tracking, closeout, and lessons learned. |
| Executive Office | Ari, Ava | Coordinates executive decisions, approvals, reminders, schedules, escalations, and customer leadership briefings. |
| Business Intelligence | Pulse | Tracks funding KPIs, cash-flow trends, application status, risk signals, and executive insights. |
| Contract Delivery | Forge | Provides contract delivery state, milestone context, invoice timing, payment risk, and delivery obligations. |
| Supplier Marketplace | Nexus | Supports marketplace funding partner discovery and provider visibility where relevant. |
Primary Boundary¶
Funding owns eligibility assessment and recommendation records; outputs are not regulated financial advice.
Decision-Support Boundary¶
Funding outputs are decision support and partner matching. They do not constitute regulated financial advice, legal advice, tax advice, or a guarantee of funding approval. Human financial decision owners remain accountable for applications, commitments, and risk acceptance.
Trigger¶
- Working capital assessment or funding need requires eligibility review.
- Human request from customer CEO, contract owner, financial owner, or delegated user.
- AIOS event orchestration from a prior Funding Readiness process state.
Inputs¶
| Input | Source Owner |
|---|---|
| Funding need, working capital assessment, eligibility assessment, partner match, application state, funding risk, repayment tracking, and recommendation records | Funding Domain |
| Contract delivery state, contract value, milestones, deliverables, invoice timing, payment status, and delivery obligations | Contract Domain |
| Organization profile, financial profile references, business context, capabilities, people, resources, and procurement preferences | Organization Domain |
| Funding partner listings, provider discovery records, marketplace display state, and provider visibility where relevant | Marketplace Domain |
| Notification preferences, reminder schedules, escalation delivery, and communication history | Notification Domain |
| KPI snapshots, cash-flow trend views, funding performance summaries, and executive reports | Analytics Domain |
| Estimates, recommendations, confidence scores, explainability, reasoning records, and memory proposals | Intelligence Domain |
Procedure¶
- AIOS receives the trigger and creates or updates the process instance.
- AIOS assembles authorized context from Funding, Contract, Organization, Marketplace, Notification, Analytics, and Intelligence where relevant.
- Beacon receives a scoped work packet with SOP, task objective, evidence requirements, guardrails, and deadline.
- Beacon performs the assigned identification, assessment, matching, preparation, tracking, monitoring, repayment, closeout, or lessons activity within Funding authority.
- Forge contributes contract delivery context where contract state, invoice timing, payment timing, or delivery obligations matter.
- Nexus contributes marketplace funding partner display and provider discovery context where relevant.
- Pulse contributes funding KPI trends and executive reporting views.
- AIOS checks missing evidence, source ownership, partner response deadlines, funding risk, approval thresholds, confidence, and exception conditions.
- High-impact funding outputs are routed to authorized human approvers through Ari and Ava where executive coordination is required.
- Accepted outcomes are recorded through the owning Funding workflow or relevant Domain workflow.
- Notification sends reminders and escalations only when requested by the process or event policy.
- Analytics captures KPI signals and funding performance summaries.
- AIOS records audit evidence and proposes memory updates when approved learning is available.
AIOS Orchestration¶
sequenceDiagram
participant Event as Trigger/Event
participant AIOS as AIOS
participant Lead as Beacon
participant Domains as Source Domains
participant Human as Human Approver
participant Audit as Audit Trail
Event->>AIOS: Start or advance process
AIOS->>Domains: Request authoritative context
Domains-->>AIOS: Domain-owned facts and events
AIOS->>Lead: Delegate scoped funding readiness task
Lead-->>AIOS: Output, evidence, confidence, exceptions
AIOS->>Human: Approval package when required
Human-->>AIOS: Approve, reject, or request revision
AIOS->>Audit: Record process execution and decision
Events¶
| Event | Trigger | Primary Consumers |
|---|---|---|
| FundingEligibilityAssessmentStarted | Process trigger accepted. | AIOS, Funding, Executive Office |
| FundingEligibilityAssessmentTaskAssigned | Work packet assigned to Beacon. | Beacon, AIOS |
| FundingEligibilityAssessmentApprovalRequested | Application submission, partner engagement, repayment decision, or financial risk acceptance requires approval. | Ari, Ava, human approver |
| FundingEligibilityAssessmentCompleted | Required process outcome is recorded. | Analytics, Executive Office, dependent Contract or Marketplace workflows |
| FundingEligibilityAssessmentExceptionRaised | Process cannot continue normally. | Ari, owning Practice, AIOS governance |
Process States¶
stateDiagram-v2
[*] --> NotStarted
NotStarted --> Triggered
Triggered --> InProgress
InProgress --> WaitingForEvidence
WaitingForEvidence --> InProgress
InProgress --> WaitingForPartnerResponse
WaitingForPartnerResponse --> InProgress
InProgress --> WaitingForApproval
WaitingForApproval --> Approved
WaitingForApproval --> Rejected
WaitingForApproval --> RevisionRequested
RevisionRequested --> InProgress
Approved --> Completed
Rejected --> Closed
InProgress --> ExceptionRaised
ExceptionRaised --> Escalated
Escalated --> InProgress
Completed --> [*]
Closed --> [*]
Human Approvals¶
| Approval Point | Required When | Approver |
|---|---|---|
| Funding partner engagement | The process initiates material partner interaction or external application preparation. | Authorized financial owner or business representative |
| Application submission | Funding application package is ready for submission to a partner. | Authorized financial approver |
| Financial commitment | Funding terms, repayment obligations, fees, or conditions create business exposure. | Customer CEO or authorized financial owner |
| Repayment decision | Payment, repayment, deferment, or risk acceptance decision is required. | Authorized financial owner |
| Durable memory update | Funding lesson affects future reasoning or recommendations. | Owning Practice or Domain-aligned reviewer |
Exceptions¶
| Exception | Response |
|---|---|
| Missing financial profile reference | Request Organization-owned context and route to human owner for evidence. |
| Missing contract payment or invoice context | Route to Contract-owned workflow and Forge for delivery context. |
| Eligibility unclear | Beacon labels uncertainty and requests partner clarification or human review. |
| Partner non-response | Notification sends reminder and Beacon recommends alternate partner options where appropriate. |
| Application rejected | Record rejection reason, update funding status, and route alternative options or closeout decision. |
| Repayment risk | Escalate to Ari, authorized financial owner, and Pulse for executive visibility. |
| Low AI confidence | AIOS requires additional evidence or human review before accepting recommendation. |
KPIs¶
| KPI | Definition |
|---|---|
| Funding need identification time | Time from funding signal to funding need record. |
| Cash-flow assessment cycle time | Time from need creation to cash-flow assessment completion. |
| Working capital assessment completeness | Percentage of assessments with required organization and contract context. |
| Eligibility assessment confidence | Confidence band and evidence quality for eligibility assessment. |
| Partner match acceptance rate | Percentage of partner matches accepted for application preparation or review. |
| Application preparation time | Time from accepted match to application package ready for review. |
| Approval tracking freshness | Percentage of active applications with current status. |
| Funding risk escalation rate | Number of funding risks escalated by severity and period. |
| Repayment adherence | Percentage of repayments tracked as on time. |
| Closeout completion rate | Percentage of final funding workflows closed with evidence. |
| Audit completeness | Percentage of funding instances with required evidence, decisions, events, and outcomes. |
Audit Evidence¶
- Trigger event and process instance ID.
- Funding, Contract, Organization, Marketplace, Notification, Analytics, and Intelligence references used.
- Work packet assigned to Beacon.
- Assessment evidence, partner match rationale, recommendation explanation, and confidence score where applicable.
- Human approval package and decision record where required.
- Events emitted or consumed.
- Exceptions, escalations, reminders, partner responses, and resolution.
- Final process outcome and dependent workflow handoff.
Collaboration¶
Beacon leads Funding Readiness work. Forge contributes contract delivery and cash-flow context. Nexus supports funding partner marketplace visibility where relevant. Pulse provides funding KPI trends and reporting views. Ari and Ava coordinate executive approvals, reminders, escalations, schedules, and customer leadership briefings.
Operating Principles¶
- Funding owns funding needs, assessments, applications, status, cash-flow risk, repayment tracking, and funding recommendation records.
- Contract owns contract delivery state, milestones, deliverables, contract value, invoice context, payment timing, and delivery obligations.
- Organization owns organization profile, business context, financial profile references, capabilities, people, resources, and procurement preferences.
- Marketplace may display funding partners and support provider discovery, but it does not own funding applications or funding decisions.
- Supplier may provide delivery or quote signals where relevant, but it does not own funding state.
- Notification owns reminders, escalation delivery, read status, and communication history.
- Analytics owns reporting views, KPI snapshots, funding trend summaries, and executive insights.
- Intelligence may estimate, analyse, recommend, and explain, but Funding owns accepted funding facts and workflow state.
- AIOS orchestrates execution, context, delegation, events, approvals, exceptions, and audit evidence.
- Humans approve funding applications, financial commitments, partner engagement, repayment decisions, and material risk acceptance.
- This process wave is decision support and partner matching; it is not regulated financial advice.