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A local MVP for working-capital underwriting of Dutch e-commerce SMEs. Builds a consent-based merchant credit passport from multi-source data and runs a two-engine system: a transparent rules engine that decides, plus a shadow ML model logged in parallel. Python · scikit-learn · DuckDB · Streamlit.
Interactive cash flow simulator to learn working capital dynamics, growth paradox, and debt coverage through scenario analysis—educational tool with simplified models.
Commercial borrower financial statement analysis repo for standardised financials, ratio diagnostics, and working-capital metrics used in both structured credit assessment and practical lending decisioning.