Get aggregated cash position across all bank accounts. Returns balances by currency and account type.

Scan for idle cash that could earn higher yields. Args: operating_reserve_pct (default 0.20), target_yield_bps (default 450).

Forecast cash position using historical transaction patterns. Args: horizon_days (default 90, max 365).

Analyze working capital health. All values in same currency (USD).

Find early-payment discounts that beat cost of capital. Args: available_cash budget (0 = show all opportunities).

Scan for unhedged FX exposures in vendor payables. Calculates Value at Risk and recommends hedging strategies.

Monitor debt covenant compliance across credit facilities. Flags breaches and warnings (within 10% of threshold).

Parse personal and business credit reports already on file. Extracts FICO scores, Paydex, utilization, payment history, derogatories, and public records from credit data pulled during the application process.

Assess combined credit + cash flow lending readiness. Integrates credit reports with cash position and covenant data to produce an overall credit rating, risk factors, lending capacity estimate, and cross-sell opportunities. Args: annual_gross_income (combined guarantor income for DTI calc, 0 to skip).