{
  "schema_version": "1.0",
  "case_id": "FICTIONAL-LOAN-001",
  "revision": 1,
  "example": true,
  "decision": {
    "title": "Illustrative equipment financing preparation",
    "type": "loan",
    "entity": "Example Harbor Services — fictional",
    "owner": "Example owner",
    "reviewer": "Reviewer to be appointed",
    "as_of": "2026-10-01",
    "period_start": "2025-10-01",
    "period_end": "2026-09-30",
    "currency": "USD",
    "basis": "cash",
    "objective": "Prepare the evidence and compare cash resilience before a professional conversation.",
    "alternatives": "Delay; reduce the initial commitment; compare a separately sourced financing proposal.",
    "limit": "Protect an illustrative 25,000 cash floor. The owner must set an appropriate rule for a real case.",
    "contrary": "Demand and collection timing may be weaker than the base scenario.",
    "owner_time": "Measure owner hours before and after the proposed change."
  },
  "evidence": [
    {
      "id": "S1",
      "label": "Cash balances and restrictions",
      "locator": "Fictional fixture S1 — no real source document",
      "as_of": "2026-09-30",
      "state": "assumed",
      "notes": "Created only to demonstrate the workflow. Not a client record."
    },
    {
      "id": "S2",
      "label": "Current debt statements and agreements",
      "locator": "Fictional fixture S2 — no real source document",
      "as_of": "2026-09-30",
      "state": "assumed",
      "notes": "Created only to demonstrate the workflow. Not a client record."
    },
    {
      "id": "S3",
      "label": "Financial reports and cash-flow support",
      "locator": "Fictional fixture S3 — no real source document",
      "as_of": "2026-09-30",
      "state": "assumed",
      "notes": "Created only to demonstrate the workflow. Not a client record."
    },
    {
      "id": "S4",
      "label": "Source of funds, fees and closing uses",
      "locator": "Fictional fixture S4 — no real source document",
      "as_of": "2026-09-30",
      "state": "assumed",
      "notes": "Created only to demonstrate the workflow. Not a client record."
    },
    {
      "id": "S5",
      "label": "Entity, ownership and signing authority",
      "locator": "Fictional fixture S5 — no real source document",
      "as_of": "2026-09-30",
      "state": "assumed",
      "notes": "Created only to demonstrate the workflow. Not a client record."
    },
    {
      "id": "S6",
      "label": "Written lender requirements and proposed terms",
      "locator": "Fictional fixture S6 — no real source document",
      "as_of": "2026-09-30",
      "state": "assumed",
      "notes": "Created only to demonstrate the workflow. Not a client record."
    }
  ],
  "inputs": {
    "cash": {
      "value": 120000,
      "source_ids": [
        "S1"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "restricted": {
      "value": 15000,
      "source_ids": [
        "S1"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "commitments": {
      "value": 20000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "reserve": {
      "value": 25000,
      "source_ids": [
        "S1"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "upfront": {
      "value": 10000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "receipts": {
      "value": 40000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "operating": {
      "value": 26000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "taxes": {
      "value": 2000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "newMonthly": {
      "value": 3000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "receiptDrop": {
      "value": 25,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "extraOutflow": {
      "value": 1000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "serviceNumerator": {
      "value": 90000,
      "source_ids": [
        "S3"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "legacyRevenue": {
      "value": 100000,
      "source_ids": [
        "S4"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "legacyMargin": {
      "value": 30,
      "source_ids": [
        "S4"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "legacyDecline": {
      "value": 3,
      "source_ids": [
        "S4"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "newUnits": {
      "value": 800,
      "source_ids": [
        "S4"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "unitRevenue": {
      "value": 100,
      "source_ids": [
        "S4"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "unitCost": {
      "value": 60,
      "source_ids": [
        "S4"
      ],
      "note": "Fictional assumption; replace and independently review."
    },
    "newFixed": {
      "value": 20000,
      "source_ids": [
        "S4"
      ],
      "note": "Fictional assumption; replace and independently review."
    }
  },
  "debts": [
    {
      "id": "D1",
      "label": "Fictional term debt",
      "balance": 200000,
      "monthly_payment": 4000,
      "maturity": "2028-12-31",
      "balloon": 0,
      "source_ids": [
        "S2"
      ],
      "note": "Illustrative total payment; actual principal/interest, maturity and balloon terms require the agreement."
    }
  ],
  "no_debt_confirmed": false,
  "no_debt_source_ids": [],
  "no_debt_note": "",
  "actions": [
    {
      "id": "A1",
      "step": "Replace fictional inputs with scoped source records and reconcile obligations.",
      "owner": "Example owner",
      "due": "2026-10-15",
      "trigger": "Before any reliance on the case; repeat when a source or material assumption changes.",
      "status": "proposed",
      "approval_reference": "",
      "outcome": ""
    }
  ],
  "review_notes": ""
}