mcp-tenant-credit-scorer

{ "industryRisk": { "5": { "riskLevel": "Very Low Risk", "cyclicality": "Very Low", "ebitdaDeclineRange": "<5%", "examples": ["Pharmaceuticals", "Branded nondurables", "Healthcare equipment", "Telecommunications"] }, "4": { "riskLevel": "Low Risk", "cyclicality": "Low", "ebitdaDeclineRange": "5-9.9%", "examples": ["Regulated utilities", "Environmental services", "Healthcare services", "Retail", "Technology software"] }, "3": { "riskLevel": "Intermediate Risk", "cyclicality": "Moderate", "ebitdaDeclineRange": "10-19.9%", "examples": ["Capital goods", "Chemicals", "Technology hardware", "Business services", "Building materials"] }, "2": { "riskLevel": "Moderately High Risk", "cyclicality": "High", "ebitdaDeclineRange": "20-29.9%", "examples": ["Oil & gas refining", "Homebuilders"] }, "1": { "riskLevel": "High Risk", "cyclicality": "Very High", "ebitdaDeclineRange": "≥30%", "examples": ["Metals & mining", "Auto OEM", "Transportation cyclical"] } }, "financialRisk": { "low": { "5": { "ebitdaToInterest": { "min": 8.0 }, "debtToEbitda": { "max": 2.0 }, "ffoToDebt": { "min": 0.60 } }, "4": { "ebitdaToInterest": { "min": 6.0, "max": 8.0 }, "debtToEbitda": { "min": 2.0, "max": 3.0 }, "ffoToDebt": { "min": 0.45, "max": 0.60 } }, "3": { "ebitdaToInterest": { "min": 4.0, "max": 6.0 }, "debtToEbitda": { "min": 3.0, "max": 4.0 }, "ffoToDebt": { "min": 0.30, "max": 0.45 } }, "2": { "ebitdaToInterest": { "min": 2.5, "max": 4.0 }, "debtToEbitda": { "min": 4.0, "max": 5.0 }, "ffoToDebt": { "min": 0.20, "max": 0.30 } }, "1": { "ebitdaToInterest": { "max": 2.5 }, "debtToEbitda": { "min": 5.0 }, "ffoToDebt": { "max": 0.20 } } }, "standard": { "5": { "ebitdaToInterest": { "min": 12.0 }, "debtToEbitda": { "max": 1.5 }, "ffoToDebt": { "min": 0.60 } }, "4": { "ebitdaToInterest": { "min": 8.0, "max": 12.0 }, "debtToEbitda": { "min": 1.5, "max": 2.0 }, "ffoToDebt": { "min": 0.45, "max": 0.60 } }, "3": { "ebitdaToInterest": { "min": 5.0, "max": 8.0 }, "debtToEbitda": { "min": 2.0, "max": 3.0 }, "ffoToDebt": { "min": 0.30, "max": 0.45 } }, "2": { "ebitdaToInterest": { "min": 3.0, "max": 5.0 }, "debtToEbitda": { "min": 3.0, "max": 4.0 }, "ffoToDebt": { "min": 0.20, "max": 0.30 } }, "1": { "ebitdaToInterest": { "max": 3.0 }, "debtToEbitda": { "min": 4.0 }, "ffoToDebt": { "max": 0.20 } } }, "high": { "5": { "ebitdaToInterest": { "min": 15.0 }, "debtToEbitda": { "max": 1.75 }, "ffoToDebt": { "min": 0.60 } }, "4": { "ebitdaToInterest": { "min": 10.0, "max": 15.0 }, "debtToEbitda": { "min": 1.75, "max": 2.5 }, "ffoToDebt": { "min": 0.45, "max": 0.60 } }, "3": { "ebitdaToInterest": { "min": 6.0, "max": 10.0 }, "debtToEbitda": { "min": 2.5, "max": 3.5 }, "ffoToDebt": { "min": 0.30, "max": 0.45 } }, "2": { "ebitdaToInterest": { "min": 3.5, "max": 6.0 }, "debtToEbitda": { "min": 3.5, "max": 4.5 }, "ffoToDebt": { "min": 0.20, "max": 0.30 } }, "1": { "ebitdaToInterest": { "max": 3.5 }, "debtToEbitda": { "min": 4.5 }, "ffoToDebt": { "max": 0.20 } } } }, "liquidity": { "5": { "designation": "Strong", "currentRatio": { "min": 1.3 }, "quickRatio": { "min": 1.0 }, "cashRatio": { "min": 0.2 }, "daysCashOnHand": { "min": 30 } }, "4": { "designation": "Adequate", "currentRatio": { "min": 1.0 }, "quickRatio": { "min": 0.7 }, "cashRatio": { "min": 0.1 }, "daysCashOnHand": { "min": 15 } }, "3": { "designation": "Moderate", "currentRatio": { "min": 0.9, "max": 1.0 }, "quickRatio": { "min": 0.5, "max": 0.7 }, "cashRatio": { "min": 0.05, "max": 0.1 }, "daysCashOnHand": { "min": 7, "max": 15 } }, "2": { "designation": "Weak", "currentRatio": { "min": 0.8, "max": 0.9 }, "quickRatio": { "min": 0.3, "max": 0.5 }, "cashRatio": { "max": 0.05 }, "daysCashOnHand": { "max": 7 } }, "1": { "designation": "Very Weak", "currentRatio": { "max": 0.8 }, "quickRatio": { "max": 0.3 }, "cashRatio": { "max": 0 }, "daysCashOnHand": { "max": 3 } } }, "cpgpWeights": { "Services & Product Focus": { "competitiveAdvantage": 0.45, "scaleScope": 0.30, "operatingEfficiency": 0.25 }, "Product Focus/Scale Driven": { "competitiveAdvantage": 0.35, "scaleScope": 0.50, "operatingEfficiency": 0.15 }, "Capital or Asset Focus": { "competitiveAdvantage": 0.30, "scaleScope": 0.30, "operatingEfficiency": 0.40 }, "Commodity Focus/Cost Driven": { "competitiveAdvantage": 0.15, "scaleScope": 0.35, "operatingEfficiency": 0.50 }, "Commodity Focus/Scale Driven": { "competitiveAdvantage": 0.10, "scaleScope": 0.55, "operatingEfficiency": 0.35 } }, "revenueAdjustment": { "small": { "<5M": { "basePenalty": 0.10, "typicalRange": "-6% to -50%" }, "5-10M": { "basePenalty": 0.08, "typicalRange": "-5% to -40%" }, "10-25M": { "basePenalty": 0.06, "typicalRange": "-4% to -30%" }, "25-50M": { "basePenalty": 0.04, "typicalRange": "-2% to -20%" }, "50-100M": { "basePenalty": 0.02, "typicalRange": "-1% to -10%" } }, "medium": { "100M-1B": { "adjustment": 0, "typicalRange": "0%" } }, "large": { "1-10B": { "maxBonus": 0.24, "typicalRange": "0% to +24%" }, ">10B": { "maxBonus": 0.48, "typicalRange": "0% to +48%" } } }, "scoreConversion": { "4.50-5.00": { "faropointRange": "9.0-10.0", "bondEquivalent": "AAA to AA", "oneYearPD": "0.00-0.02%" }, "4.00-4.49": { "faropointRange": "8.0-8.9", "bondEquivalent": "A+ to A-", "oneYearPD": "0.02-0.05%" }, "3.50-3.99": { "faropointRange": "7.0-7.9", "bondEquivalent": "BBB+ to BBB-", "oneYearPD": "0.05-0.15%" }, "3.00-3.49": { "faropointRange": "6.0-6.9", "bondEquivalent": "BB+ to BB-", "oneYearPD": "0.15-0.60%" }, "2.50-2.99": { "faropointRange": "5.0-5.9", "bondEquivalent": "B+ to B-", "oneYearPD": "0.60-3.18%" }, "2.00-2.49": { "faropointRange": "4.0-4.9", "bondEquivalent": "CCC+ to CCC", "oneYearPD": "3.18-14.87%" }, "1.50-1.99": { "faropointRange": "3.0-3.9", "bondEquivalent": "CC", "oneYearPD": "14.87-26.55%" }, "1.00-1.49": { "faropointRange": "2.0-2.9", "bondEquivalent": "C to D", "oneYearPD": ">26.55%" } } }