MerchantDataResponse

{
    "success": true,
    "message": "Merchant data processed successfully",
    "transactionId": "txn_xyz789",
    "creditScore": {
        "totalScore": 78,
        "riskTier": "A",
        "maxLendingCap": 930000,
        "eligiblePercentage": 30,
        "scoreBreakdown": {
            "salesPerformance": 28,
            "revenueConsistency": 13,
            "fulfillmentOps": 14,
            "payoutCashFlow": 15,
            "stabilityTenure": 8,
            "riskBehavior": 0
        },
        "lendingImplication": "Standard cap",
        "calculatedAt": "2026-01-29T08:15:30.000Z",
        "recommendations": "Good credit profile. Standard lending terms apply."
    },
    "processedAt": "2026-01-29T08:15:30.000Z",
    "nextRefreshDate": "2026-01-30T02:00:00.000Z"
}