TreasuryOS
# Credit Analysis
Two tools built on one engine. Pick your door.
---
## For Business Owners
**Find out if you're ready for a business loan — free, in 5 minutes.**
Upload your bank statements and credit reports. Get a 0-100 readiness score, see what's hurting you, learn what to fix, find out which loans you qualify for, and get a checklist of what to bring to the bank.
No account needed. No cost. No sales pitch.
**[Try it now →](https://treasury-mcp-os-hrxsrpycxbotvmejybhmvy.streamlit.app/)**
**What you get:**
- A readiness score based on the same things a bank looks at
- What's helping and what's hurting — in plain English
- Which loans fit your profile (SBA, line of credit, equipment financing, etc.)
- A prioritized list of what to fix before you apply
- A checklist of what to bring to the banker meeting
**How to use it:**
1. Click the link above
2. Hit **"See a Demo Score"** to see how it works
3. Switch to **"Upload My Files"** in the sidebar
4. Drop in your bank statements, credit reports, or financial docs
5. See your score and game plan
---
## For Bankers & Relationship Managers
**A portfolio dashboard that does the prep work for you.**
Search clients, pull up profiles, see financing readiness across your book. The same scoring engine, built for the RM workflow — one search bar to get the full picture on any client.
**[Open RM Dashboard →](https://treasury-os-rm.streamlit.app/)**
**What you get:**
- Portfolio view with search across all clients
- Client profiles with credit, cash, covenants, and readiness score
- 9 analysis tools: cash position, forecast, working capital, credit assessment, covenant monitoring, FX exposure, idle cash, payment optimization
- MCP server integration with Claude Desktop for AI-powered analysis
**Quick start (Claude Desktop):**
```bash
git clone https://github.com/GPBK-STUY/treasury-mcp-os.git ~/Desktop/treasury-mcp-os
bash ~/Desktop/treasury-mcp-os/setup.sh
```
See [QUICKSTART.md](QUICKSTART.md) for full setup.
---
## How It's Built
One analysis engine powers everything. Three apps serve different audiences.
| App | Who it's for | Live link | File |
|-----|-------------|-----------|------|
| Credit Analysis | Business owners | [Launch](https://treasury-mcp-os-hrxsrpycxbotvmejybhmvy.streamlit.app/) | `smb_app.py` |
| RM Dashboard | Bank RMs | [Launch](https://treasury-os-rm.streamlit.app/) | `rm_dashboard.py` |
| Full Dashboard | Power users | [Launch](https://treasury-mcp-os-hrxsrpycxbotvmejybhmvy.streamlit.app/) | `app.py` |
### The Scoring Engine
Six categories, each scored 0-100:
| Category | What It Measures |
|----------|-----------------|
| Personal Credit | FICO, credit card usage, payment history, inquiries |
| Business Credit | Paydex, years in business, vendor payment speed, liens |
| Cash Position | Total cash, account count, 90-day forecast |
| Working Capital | Current ratio, collection speed, cash cycle, runway |
| Existing Debt | Covenant compliance, breaches, warnings |
| Documentation | Which key documents have been uploaded |
### Analysis Tools (9)
```
Cash Position Aggregator Credit Report Parser
Idle Cash Scanner Credit Position Assessor
Cash Flow Forecaster Covenant Monitor
Working Capital Analyzer FX Exposure Scanner
Payment Optimizer
```
### File Upload
Accepts CSV, Excel (.xlsx), Word (.docx), and PDF. Auto-detects content type by scanning column headers and maps to the right data format.
### Run Locally
```bash
git clone https://github.com/GPBK-STUY/treasury-mcp-os.git
cd treasury-mcp-os
pip install -r requirements.txt
streamlit run smb_app.py # Business owner app
streamlit run rm_dashboard.py # RM dashboard
streamlit run app.py # Full dashboard
```
### File Structure
```
treasury-mcp-os/
├── smb_app.py ← Credit Analysis (business owner app)
├── rm_dashboard.py ← RM portfolio dashboard
├── app.py ← Full dashboard (all 11 pages)
├── server.py ← MCP server for Claude Desktop
├── tools/ ← Shared analysis engine (9 tools)
├── sample_data/ ← Demo data (Apex Manufacturing Corp)
├── portfolio_data/ ← Multi-client data for RM dashboard
└── setup.sh ← One-command Claude Desktop installer
```
---
## About
Built by [Grant Page](mailto:gpage2771@gmail.com) — 5 years in commercial banking, now building the tools that should have existed the whole time.
## License
MIT
TDQS
Scored across 9 tools
Each tool has a clearly distinct purpose targeting specific financial analysis tasks, such as cash position forecasting, credit assessment, covenant monitoring, and FX exposure scanning. There is no overlap in functionality; for example, analyze_working_capital focuses on liquidity health, while assess_credit_position integrates credit and cash flow data, making misselection unlikely.
All tool names follow a consistent verb_noun pattern using snake_case, such as analyze_working_capital, forecast_cash_position, and monitor_debt_covenants. This uniformity makes the tool set predictable and easy to navigate, with no deviations in naming conventions.
With 9 tools, the server is well-scoped for treasury and financial management, covering key areas like cash analysis, credit, risk, and optimization. Each tool earns its place by addressing a specific need without redundancy, fitting the typical range of 3-15 tools for such a domain.
The tool set provides comprehensive coverage for treasury operations, including monitoring, forecasting, and optimization tasks. Minor gaps exist, such as the lack of tools for direct transaction execution or detailed reporting generation, but agents can likely work around these with the available analysis and scanning tools.