Add Capital Command Center — credit & financing management platform - #4

Summary

A self-contained credit & financing command center (CreditCommandCenter/) for managing multiple companies' credit, personal credit, compliance, all financing product types and stages, assets/collateral, portfolio revenue, and borrowing-power strategy — with a lender database and underwriting-gap analysis that shows exactly what to do to obtain more financing.

Follows the repo's established architecture (PHP 8 + SQLite + services layer + JSON API + single-page dashboard), mirroring TraderResiliencePlatform conventions.

What's included

• Command Center dashboard — total borrowing power (secured + unsecured), revolving headroom, mid FICO, global DSCR, per-company fundability rings, 12-month portfolio revenue chart, pipeline snapshot, priority actions
• Companies — per-entity credit files: Paydex, Experian Intelliscore, FICO SBSS, reporting tradelines, and a 0–100 fundability score with a full component breakdown
• Personal Credit — tri-bureau FICO with mid-score, utilization/DTI/inquiry/AAoA tracking, and score-flag warnings
• Financing Pipeline — kanban board across Identified → Preparing → Submitted → Underwriting → Approved → Funded/Declined for every product: equipment, auto/fleet, credit cards, term loans, LOCs, merchant/vendor credit, MCA, unsecured loans, SBA, DSCR/property loans, HELOC
• Assets & Collateral — all assets including properties: value, liens, equity, LTV, and lendable capacity at realistic advance rates, each with a concrete unlock strategy
• Lender Marketplace — 22 seeded lenders with representative underwriting requirements (min FICO, TIB, revenue, docs, bureaus pulled, PG policy), matched per profile with exact gap analysis (qualified / near-miss / not-yet)
• Compliance Reporting — entity/tax/licensing/insurance/banking/credit-readiness items per company with lender-readiness verdicts
• Strategy Engine — prioritized action plan generated from live data (compliance blockers, utilization paydown, MCA refinancing, untapped equity, business-credit ladder steps)

Testing

• php -l clean on all files
• All 19 GET endpoints and the POST/PUT/DELETE write paths smoke-tested against the seeded database
• Strategy engine verified to react to data changes (lowering utilization removes the paydown action)
• All 8 views screenshot-verified headlessly in Chromium with zero JS errors; static-asset routing under the PHP built-in server fixed and verified; charts degrade gracefully when the Chart.js CDN is unreachable

Notes

• SQLite DB is created and seeded with a realistic demo portfolio on first run (data/capital.db, gitignored)
• Seeded lender criteria are representative examples; the UI carries a verify-with-lender disclaimer

🤖 Generated with Claude Code

https://claude.ai/code/session_01SxGuNyBj2mK5Vzu8ccthjw

Generated by Claude Code