{ "schema": "aiblocks-page/1", "id": "maturity-funding-evidence-reviewer", "type": "agent", "name": "Debt funding and credit limit reviewer", "summary": "Match debt due dates with confirmed funding. See cash gaps and credit limit issues without treating unused limits as cash.", "headline": "Debt funding and credit limit reviewer", "subhead": "Share debt due dates, accessible cash, confirmed refinancing and your monitoring limits. It rebuilds affected time periods and checks any changed interest or fees. You get a funding ladder, gaps and exceptions. Only confirmed money funds a maturity; unused credit limits do not prove a loan is approved or available.", "job": { "id": "raise-funding", "name": "Plan funding and ownership" }, "level": "advanced", "thinking": "high", "tested": true, "updated": "2026-11-03", "first_published": "2026-10-22", "inputs": [ { "type": "spreadsheet", "required": true, "label": "Spreadsheet", "what": "a spreadsheet with its data, formulas and charts" }, { "type": "document", "required": true, "label": "Document", "what": "a finished document, such as a Word file, a PDF or a page of notes" } ], "outputs": [ { "type": "audit_report", "required": true, "label": "Audit report", "what": "findings with evidence, severity, missing inputs and next actions" }, { "type": "spreadsheet", "required": true, "label": "Spreadsheet", "what": "a spreadsheet with its data, formulas and charts" } ], "you_give": [ "Each loan's due date and repayment amount (from your loan agreements or debt schedule)", "The cash you can reach now, and the cash you expect after operations by each due date (from bank balances and your cash forecast)", "Refinancing your lender has confirmed in writing, with amounts and dates (from the lender's notice or signed terms)", "Drawn and undrawn amounts on each linked facility, and the approved credit limit with its date (from facility statements and the limit letter)", "Your reporting currency, the units you use (such as thousands) and the review date", "The last review's record and the earlier versions of your sources (optional, but needed to show what changed)", "Average drawn and undrawn balances, rates and fees for a revolving loan (optional, only if a confirmed refinancing changes its cost)" ], "you_get": [ "A funding ladder with cash left after each repayment, the shortfall at each due date and the lowest point", "A credit limit check with drawn plus counted undrawn credit against the limit, and the headroom or excess", "A list of what changed since the last review, source by source", "A revolving loan cost line, only when a confirmed refinancing changes its interest or fees", "A short record to start the next review, plus MISSING lines and any checks that could not run" ], "use_when": [ "A lender confirms a refinancing and you want to know which repayments it now covers.", "A loan due date moves, or a new repayment falls due before the last one is paid.", "You hold several facilities with one lender or group and need the total against an approved limit.", "You review funding each quarter and want to see only what changed since last time." ], "skip_when": [ "You want to know if a lender will approve a loan or a refinancing. This reviews evidence you already hold. It does not predict an approval or contact a lender.", "Your worry is a foreign currency bill with a forward contract. Use the Currency forward contract coverage reviewer.", "You want to test a loan covenant, such as cash cover in each period. Use the Loan covenant cash cover reviewer.", "You only need the interest and commitment fee on one revolving loan. Use the Revolving loan interest and fee checker." ], "output_sample": { "input": [ "Your debt schedule with each due date and repayment amount", "Your bank balances and your cash forecast after operations", "The lender's written notice of any confirmed refinancing", "Your facility statements and the approved credit limit letter", "The last review's record (optional)" ], "prerequisites": [ "An AI that can read files, so it can save the review files and the record", "The Review maturity funding and credit limits workflow and the Revolver interest and fee checker skill, added with the agent" ], "output": [ { "name": "Changed since last review", "contains": "Each source that moved, with the old and the new value. On a first run it says so and sets a baseline." }, { "name": "outputs/step-1-debt-maturity-funding-ladder.md", "contains": "Cash left after each repayment across three due dates, the shortfall at each, and the lowest point. Unsigned borrowing is an open option." }, { "name": "outputs/step-2-credit-exposure-limit-checker.md", "contains": "Drawn credit plus the counted share of undrawn credit and other linked exposure, against the approved limit, with headroom or excess." }, { "name": "Revolver interest and fee line", "contains": "The period interest and commitment fee on a revolving loan, from verified average balances. It appears only when a confirmed refinancing changed its cost." }, { "name": "Record for the next review", "contains": "Facility IDs, due dates, confirmed funding, the limit version, bucket balances and open financing costs, saved to reviews/maturity-funding-evidence-reviewer/state.json or printed for you to keep." }, { "name": "MISSING lines and CHECKS MISSED", "contains": "Every gap and the line it stops, then the checks that failed or could not run, or the word none." } ] }, "output_shape": "REVIEW DATE , , LAST REVIEW \nCHANGED SINCE LAST REVIEW \nFUNDING LADDER : opening cash + cash after operations\n + confirmed refinancing - repayment = closing cash;\n shortfall ; lowest point on \nOPEN OPTIONS \nLIMIT CHECK drawn + counted undrawn + other linked \n = total against limit on ; headroom \nREVOLVER COST (only if the branch ran)\nRECORD FOR NEXT REVIEW facility IDs, due dates, confirmed funding,\n limit version, bucket balances, open costs\nMISSING \nCHECKS MISSED ", "how_to_use": [ "Add this agent to Claude, ChatGPT or Gemini, with the two pieces it uses. They are the Review maturity funding and credit limits workflow and the Revolver interest and fee checker skill. An AI that reads files works best. In plain chat it still works, but it cannot save files, so you keep the record it gives back.", "Say if this is the first run. If not, paste last time's record. Then attach your debt schedule, cash balances and forecast, the lender's refinancing notice and the limit letter.", "If you have more than three due dates, tell the AI how to group them. The ladder uses three dated buckets. Check that no maturity was dropped.", "Check the ladder before you read the limit check. Confirmed refinancing should appear once. Any unsigned borrowing should show as an open option, not as cash.", "Fix every MISSING line and run it again. Run it whenever a due date, a lender notice or a cash source changes. Adding it sets up no schedule." ], "checks": [ "Only confirmed proceeds fund maturities; unused exposure limit is not cash or loan approval; funding and monitoring limits remain separate. Report changed evidence and actual recalculation; no external transaction or submission is authorized.", "Trace each material input to its source, date, currency, scale, sign and reporting period. Retain unresolved MISSING: lines.", "Reconcile opening balances, additions, deductions and closing balances.", "Keep hardcoded inputs separate from live formulas. Inspect changed inputs, actual recalculation, exported formulas and saved-file reopening." ], "steps": [ { "position": 1, "id": "review-maturity-funding-and-credit-limits", "name": "Debt maturity funding checker", "summary": "Share debt dates, usable cash, confirmed loans and credit limits. Get a funding schedule, shortfalls and exposure checks.", "url": "https://useaiblocks.com/workflows/review-maturity-funding-and-credit-limits" }, { "position": 2, "id": "revolver-interest-fee-checker", "name": "Revolving loan interest and fee checker", "summary": "Share average loan use, unused capacity and rates. Check interest, commitment fees and total charges.", "url": "https://useaiblocks.com/skills/revolver-interest-fee-checker" } ], "next": [ { "name": "Debt repayment funding planner", "url": "https://useaiblocks.com/skills/debt-maturity-funding-ladder", "why": "Debt repayment funding planner" }, { "name": "Debt restructuring plan drafter", "url": "https://useaiblocks.com/skills/debt-restructuring-plan-drafter", "why": "Debt restructuring plan drafter" }, { "name": "Employee option pool top-up calculator", "url": "https://useaiblocks.com/skills/option-pool-top-up-checker", "why": "Employee option pool top-up calculator" } ], "source": null, "credits": [ { "title": "Original finance methods and model fixtures", "by": "AI Blocks contributors", "url": "", "used": "Original instructions, calculations and illustrative examples. External method references are linked separately and retain their own rights." } ], "files": [ "LICENSE" ], "links": { "page": "https://useaiblocks.com/agents/maturity-funding-evidence-reviewer", "markdown": "https://useaiblocks.com/agents/maturity-funding-evidence-reviewer.md", "json": "https://useaiblocks.com/agents/maturity-funding-evidence-reviewer.json", "instructions": "https://useaiblocks.com/skills/maturity-funding-evidence-reviewer/SKILL.md", "download": "https://useaiblocks.com/skills/maturity-funding-evidence-reviewer.zip", "api_item": "https://useaiblocks.com/api/v1/items/maturity-funding-evidence-reviewer", "api_document": "https://useaiblocks.com/api/v1/documents/agent/maturity-funding-evidence-reviewer", "mcp": "https://useaiblocks.com/mcp" } }