MerchantDataResponse

{
    "success": true,
    "message": "Merchant data processed successfully",
    "transactionId": "txn_a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "creditScore": {
        "totalScore": 72.5,
        "riskTier": "A",
        "maxLendingCap": 2500000,
        "eligiblePercentage": 75,
        "scoreBreakdown": {
            "salesPerformance": 18.5,
            "revenueConsistency": 12,
            "fulfillmentOps": 14.5,
            "payoutCashFlow": 10,
            "stabilityTenure": 9.5,
            "riskBehavior": 8
        },
        "lendingImplication": "Moderate risk. Eligible for standard lending products.",
        "calculatedAt": "2026-04-07T10:30:00.000Z",
        "riskFlags": [],
        "recommendations": "Consider increasing fulfillment rate for better terms."
    },
    "processedAt": "2026-04-07T10:30:00.000Z",
    "nextRefreshDate": "2026-05-07T10:30:00.000Z",
    "loanEligibility": {
        "avgMonthlyGmv": 4500000,
        "avgMonthlyOrders": 320,
        "aov": 14062.5,
        "gmvTrendPercent": 8.5,
        "gmvVolatilityCov": 0.15,
        "monthlyRepaymentCapacity": 450000,
        "totalRepaymentCapacity": 2700000,
        "maxEligibleLoan": 2250000,
        "totalRepaymentForMaxLoan": 2700000,
        "monthlyRepaymentForMaxLoan": 450000,
        "policyParameters": {
            "repaymentRate": 0.1,
            "tenorMonths": 6,
            "monthlyInterestRate": 0.025
        },
        "calculatedAt": "2026-04-07T10:30:00.000Z"
    }
}