graph TD
A[<b>SME Data Input</b>] --> B[<b>Data Validation & Processing</b>]
C[<b>FI Partner Data Input</b>] --> D[<b>Partner Profile Setup</b>]
B --> E[<b>Module 1: Financial Health Analyst</b>]
D --> E
E --> F[<b>Calculate Financial Health Score</b><br/><b>- Profitability Metrics 25pts</b><br/><b>- Liquidity & Efficiency 25pts</b><br/><b>- Solvency & Stability 25pts</b><br/><b>- Business Maturity 15pts</b><br/><b>- Qualitative Factors 10pts</b>]
E --> G[<b>Estimate Financing Requirements</b><br/><b>- Working Capital Analysis</b><br/><b>- Growth Investment Needs</b><br/><b>- Strategic Initiative Funding</b>]
F --> H[<b>Module 2: Financing Product Fit</b>]
G --> H
D --> H
H --> I[<b>Score Product Compatibility</b><br/><b>- Financial Need Alignment 25pts</b><br/><b>- Product Terms 25pts</b><br/><b>- Business Profile Match 20pts</b><br/><b>- Additional Features 15pts</b><br/><b>- Risk Mitigation 15pts</b>]
I --> J[<b>Module 3: Loan Qualifier</b>]
F --> J
D --> J
J --> K[<b>Multi-Stage Qualification</b><br/><b>- Basic Eligibility Check</b><br/><b>- Financial Ratio Analysis</b><br/><b>- Partner-Specific Rules</b><br/><b>- Confidence Scoring</b>]
K --> L{<b>Qualification Result</b>}
L -->|<b>Qualified 80-100%</b>| M[<b>Generate Standard Term Sheet</b>]
L -->|<b>Conditionally Qualified 60-80%</b>| N[<b>Generate Conditional Terms</b><br/><b>+ Gap Analysis</b>]
L -->|<b>Not Qualified <60%</b>| O[<b>Provide Improvement Roadmap</b>]
M --> P[<b>Module 4: Loan Optimizer</b>]
N --> P
P --> Q[<b>Scenario Analysis</b><br/><b>- Revenue Volatility</b><br/><b>- Cost Escalation</b><br/><b>- Seasonal Cycles</b><br/><b>- Growth Investment</b><br/><b>- Risk Mitigation</b>]
Q --> R[<b>Optimize Key Parameters</b><br/><b>- Debt Service Coverage Ratio</b><br/><b>- Cash Conversion Cycle</b><br/><b>- Financing Cost Ratio</b>]
R --> S[<b>Final Loan Recommendation</b>]
S --> T[<b>Loan Approval & Disbursement</b>]
T --> U[<b>Module 5: Portfolio Optimizer</b>]
U --> V[<b>Continuous Monitoring</b><br/><b>- Health Score Tracking</b><br/><b>- Early Warning System</b><br/><b>- Risk Deterioration Analysis</b>]
V --> W{<b>Portfolio Health Check</b>}
W -->|<b>Score >80</b>| X[<b>Routine Monitoring</b>]
W -->|<b>Score 60-80</b>| Y[<b>Enhanced Monitoring</b><br/><b>+ Remediation Planning</b>]
W -->|<b>Score <60</b>| Z[<b>Immediate Intervention</b><br/><b>+ Action Plan</b>]
Y --> AA[<b>Generate Improvement Recommendations</b>]
Z --> AA
AA --> BB[<b>Portfolio-Level Optimization</b><br/><b>- Risk Concentration Analysis</b><br/><b>- Scenario Stress Testing</b><br/><b>- Performance Analytics</b>]
X --> CC[<b>Portfolio Dashboard</b>]
BB --> CC
CC --> DD[<b>Stakeholder Reporting</b><br/><b>- SME Business Insights</b><br/><b>- FI Risk Management</b><br/><b>- Regulatory Compliance</b>]
%% Country-Specific Adjustments
E -.-> EE[<b>Country Addendums</b><br/><b>Canada: Seasonal Factors</b><br/><b>Hong Kong: GBA Integration</b><br/><b>USA: Innovation Metrics</b><br/><b>France: Social Impact</b>]
EE -.-> F
EE -.-> G
EE -.-> H
EE -.-> I
%% Data Sources
FF[<b>External Data Sources</b><br/><b>- Government Statistics</b><br/><b>- Industry Benchmarks</b><br/><b>- Economic Indicators</b><br/><b>- Market Intelligence</b>] -.-> B
FF -.-> V
%% Feedback Loop
DD -.-> GG[<b>Continuous Learning</b><br/><b>& Model Refinement</b>]
GG -.-> E
%% Styling
classDef moduleBox fill:#e1f5fe,stroke:#01579b,stroke-width:2px
classDef decisionBox fill:#fff3e0,stroke:#e65100,stroke-width:2px
classDef dataBox fill:#f3e5f5,stroke:#4a148c,stroke-width:2px
classDef outputBox fill:#e8f5e8,stroke:#2e7d32,stroke-width:2px
class E,H,J,P,U moduleBox
class L,W decisionBox
class A,C,FF dataBox
class S,DD outputBox