JS
John Smith
Smith's Artisan Café Ltd
Approved
Loan Amount
£150,000
Annual Revenue
£450,000
+18% YoY
DSCR
2.27×
Strong
Credit Score
780/999
Excellent
Revenue & Profitability
Expenses & Margins
Cashflow & Liquidity
Debt & Affordability
Identity & KYC
Journey Timeline
Revenue Analysis
View sources
Annual Revenue
£450,000
From: Xero UK (36 months)
Xero UK
Monthly average
£37,500
YoY growth
+18%
Validation status
Verified
Gross Profit
£295,500
Revenue minus COGS
Gross margin
65.7%
Industry average
62.3%
Performance
Above average
Operating Profit (EBIT)
£153,000
Before interest & tax
Operating margin
34.0%
Monthly average
£12,750
Trend (3 months)
Increasing
Net Profit
£137,700
After all expenses
Net margin
30.6%
Tax provision
£15,300
Customer Re-categorization
Original
£135,200
Adjusted
£137,700
Customer moved £2,500 from OpEx to CapEx (equipment purchase)
Revenue Breakdown
| Revenue Stream | Amount | % of Total | YoY Change | Source |
|---|---|---|---|---|
| Coffee & Beverages | £225,000 | 50.0% | +15% | Xero UK |
| Food Sales | £135,000 | 30.0% | +22% | Xero UK |
| Catering Services | £67,500 | 15.0% | +28% | Xero UK |
| Merchandise | £22,500 | 5.0% | +12% | Xero UK |
Expense Analysis
View sources
Total Expenses
£312,300
Annual operating costs
Xero UK
Monthly average
£26,025
% of revenue
69.4%
YoY change
+12%
Cost of Goods Sold
£154,000
Direct product costs
% of revenue
34.2%
Industry benchmark
37.0%
Performance
Better than avg
Staff Costs
£187,200
Salaries & benefits
Monthly payroll
£15,600
% of revenue
41.6%
FTE count
8 staff
Overhead Costs
£43,200
Rent, utilities, admin
Monthly rent
£2,800
Utilities
£850/month
% of revenue
9.6%
Expense Breakdown
| Category | Annual Amount | Monthly Avg | % of Total | Trend |
|---|---|---|---|---|
| Cost of Goods Sold | £154,000 | £12,833 | 49.3% | Stable |
| Salaries & Wages | £187,200 | £15,600 | 59.9% | +8% |
| Rent & Lease | £33,600 | £2,800 | 10.8% | Stable |
| Utilities | £10,200 | £850 | 3.3% | +5% |
| Marketing | £18,000 | £1,500 | 5.8% | Stable |
| Insurance | £7,200 | £600 | 2.3% | Stable |
| Other Operating Costs | £15,400 | £1,283 | 4.9% | -3% |
Cashflow Analysis
View sources
Net Cashflow
£6,240
Average monthly
TrueLayer
Annual total
£74,880
Transaction count
1,847 (24 months)
Volatility
Low (±12%)
Cash Reserves
£45,000
Current balance
TrueLayer
Months of runway
1.73 months
Target reserve
£52,050 (2 months)
Gap
-£7,050
Operating Cashflow
£155,000
From operations (annual)
Monthly average
£12,917
OCF margin
34.4%
Free cash flow
£142,000
Current Ratio
1.60×
Current assets / liabilities
Current assets
£72,000
Current liabilities
£45,000
Health status
Good (>1.5)
Cashflow Pattern (Last 12 Months)
| Month | Cash In | Cash Out | Net Cashflow | Ending Balance |
|---|---|---|---|---|
| Oct 2024 | £38,200 | £31,400 | +£6,800 | £45,000 |
| Sep 2024 | £36,900 | £30,850 | +£6,050 | £38,200 |
| Aug 2024 | £39,100 | £32,600 | +£6,500 | £32,150 |
| Jul 2024 | £40,500 | £33,850 | +£6,650 | £25,650 |
| Jun 2024 | £37,400 | £31,200 | +£6,200 | £19,000 |
| Average (12m) | £37,500 | £31,260 | +£6,240 | - |
Debt & Affordability Analysis
Requested Loan
£150,000
36 months @ 4.5% APR
Monthly payment
£4,440
Total interest
£9,840
Total repayable
£159,840
DSCR (Debt Service Coverage)
2.27×
Operating income / debt service
Monthly operating income
£10,083
Required payment
£4,440
Policy minimum
1.25× (Exceeds)
Affordability
71%
% of available cashflow
Available cashflow
£6,240/month
Payment requirement
£4,440/month
Remaining buffer
£1,800/month
Existing Debt
£0
No current borrowings
Debt-to-equity
0.0×
Total liabilities
£45,000
Post-loan D/E
1.2× (Good)
Stress Test Scenarios
| Scenario | Revenue Impact | New DSCR | Affordability | Risk Level |
|---|---|---|---|---|
| Base Case | £450,000 (current) | 2.27× | 71% | Low |
| Revenue -10% | £405,000 | 1.89× | 58% | Low |
| Revenue -20% | £360,000 | 1.51× | 46% | Medium |
| Revenue -30% | £315,000 | 1.13× | 33% | High |
| Expenses +15% | £450,000 (revenue) | 1.72× | 52% | Medium |
Identity Verification
Director
John Smith
DOB: 15 June 1985 (Age 40)
Co. House
Nationality
British
Address
45 Brick Lane, London E2 7DP
Verification status
Verified
Business Entity
Smith's Artisan Café Ltd
Private Limited Company
Company number
12345678
Incorporated
15 March 2021
SIC code
56.30 - Beverage serving
PEP & Sanctions
Clear
No adverse findings
PEP screening
Clear
Sanctions check
Clear
Last checked
10 Nov 2025
Credit Profile
Excellent
Personal credit history
Experian score
780/999
Equifax score
775/999
Adverse records
None
Identity Documents
UK Passport
Verified
Proof of Address
Verified
Companies House Certificate
Verified
Bank Statement
Connected
Accounting Records
Connected
Application Journey
12 Nov 2025, 09:15
Application Started
John initiated loan application via mobile app
12 Nov 2025, 09:17
Intent Captured
AI Agent: Intent Analyzer extracted loan purpose and amount (Confidence: 95%)
12 Nov 2025, 09:18
Data Connections Authorized
Customer connected TrueLayer (banking) and Xero UK (accounting)
12 Nov 2025, 09:19
Financial Data Aggregated
AI Agent: Data Aggregator collected 24 months banking + 36 months P&L
12 Nov 2025, 09:20
Financial Review by Customer
Customer reviewed data, re-categorized £2,500 from OpEx to CapEx
12 Nov 2025, 09:21
Identity Verification Initiated
Passport uploaded and verified by Onfido (OCR + biometric match)
12 Nov 2025, 09:22
PEP & Sanctions Screening
AI Agent: Compliance Checker - No adverse findings
12 Nov 2025, 09:23
Credit Bureau Checks
Experian: 780/999 | Equifax: 775/999 - Excellent credit
12 Nov 2025, 09:24
Eligibility Assessment
AI Agent: Credit Assessor - APPROVED (DSCR: 2.27×, Affordability: 71%)
12 Nov 2025, 09:26
Scenario Exploration
Customer explored loan scenarios (£10k-£250k, 1-5 years)
12 Nov 2025, 09:28
Offer Structured
Customer selected: £150k @ 36 months @ 4.5% APR
12 Nov 2025, 09:30
Supporting Documents Uploaded
Business plan, expansion proposal, contractor quotes
12 Nov 2025, 09:32
Agreement Signed
Digital signature applied, legal confirmations accepted
12 Nov 2025, 09:33
Application Submitted
Complete application package sent for banker review
12 Nov 2025, 09:35
Assigned to RM
Application assigned to Sarah Mitchell (Relationship Manager)
12 Nov 2025, 10:12
RM Review in Progress
Sarah viewing customer profile and AI assessment