Loan renewalDetectedHigh · 78
Business Overdraft renewal due in 17 days
Rohan Malhotra · Nexus Tradeworks · SME · C-10241
Trigger: Business Overdraft of ₹25.0 L renews 25 Jul 2026
Potential value
₹25.0 L
Potential, not realised
Supporting evidence
Recorded facts are read directly from records; inferences are rule-derived
Recorded facts
- Business Overdraft: ₹25.0 L at 10.25%Loan record
- Renewal date 25 Jul 2026Loan record
Why it matters: Renewal requires documentation in advance. Late renewal risks lapse of the facility.
Why priority 78 (High)
Weighted sum of transparent factors · weights set in Settings → Prioritisation
Urgency · Event in 17 days65 × 35% = 23
Potential value · ₹20 L – ₹50 L70 × 25% = 18
Evidence quality · Recorded90 × 20% = 18
Eligibility · All checks passed100 × 10% = 10
RM workload · 0 open actions for owner100 × 10% = 10
This is a ranking score, not a probability of conversion.
What remains uncertain
- Updated financials not yet received
- Customer's appetite for enhancement unknown
Validate before proceeding
- Collect latest financial statements
- Re-run credit assessment per policy
Value assumption
Equal to the existing sanctioned amount at renewal. Any enhancement is not included.
Prepare action
Drafts are for RM review — ProspectIQ never sends messages
Accept the recommendation to prepare drafts.
Notes & action history
History
Detected by rule on 8 Jul 2026. No actions yet.
Eligibility & contact checks
Bank restrictions applied before acting
KYC
KYC is valid
Contact consent
Customer consents to RM contact
Credit risk
No credit risk flags on record
Recommended next action
Request renewal documents and schedule review
Owner
Lifecycle
Current status: Detected
Detected
Reviewed
Accepted
Actioned
Qualified
Converted