{
  "loan": {
    "loanId": "LN-2026-0042",
    "name": "Harborview Logistics Distribution Facility Loan 2026",
    "borrower": "Harborview Logistics",
    "borrowerEntity": "Harborview Logistics Holdings LLC",
    "applicantName": "Jordan Pike",
    "applicantEmail": "jordan.pike@harborviewlogistics.example",
    "loanType": "Commercial Real Estate",
    "status": "Underwriting",
    "loanAmount": 4800000,
    "termMonths": 120,
    "amortizationMonths": 300,
    "interestRate": 6.85,
    "collateralType": "Real Estate",
    "collateralValue": 5650000,
    "borrowerStatedCollateralValue": 6000000,
    "ltv": 85,
    "dscr": 1.12,
    "region": "Northeast",
    "loanOfficerName": "Alex Bennett",
    "underwriter": "Credit Risk",
    "riskRating": "High",
    "targetClosingDate": "2026-11-30",
    "maturityDate": null,
    "covenantReviewDate": "2027-03-31",
    "boxWorkspace": "LOS-2026-Harborview"
  },
  "salesforceOpportunity": {
    "id": "006-demo-harborview",
    "accountName": "Harborview Logistics",
    "name": "Harborview Logistics - Distribution Facility Acquisition",
    "stage": "Proposal/Price Quote",
    "amount": 4800000,
    "closeDate": "2026-11-30",
    "loanOfficer": "Alex Bennett",
    "products": [
      "Commercial Real Estate Term Loan"
    ]
  },
  "priorLoans": [
    {
      "loanId": "LN-2023-0311",
      "name": "Harborview Logistics Revolving Line of Credit 2023",
      "loanType": "Line of Credit",
      "status": "Closed",
      "loanAmount": 1500000,
      "termMonths": 36,
      "interestRate": 7.25,
      "collateralType": "Receivables",
      "collateralValue": 2150000,
      "ltv": 70,
      "dscr": 1.34,
      "maturityDate": "2026-09-30",
      "negotiatedCovenants": {
        "ltvMax": 70,
        "dscrMin": 1.3,
        "testFrequency": "quarterly"
      }
    },
    {
      "loanId": "LN-2025-0148",
      "name": "Harborview Logistics Equipment Term Loan 2025",
      "loanType": "Equipment Finance",
      "status": "Closed",
      "loanAmount": 2150000,
      "termMonths": 60,
      "interestRate": 6.95,
      "collateralType": "Equipment",
      "collateralValue": 3075000,
      "ltv": 70,
      "dscr": 1.31,
      "maturityDate": "2030-05-31",
      "negotiatedCovenants": {
        "ltvMax": 70,
        "dscrMin": 1.3,
        "testFrequency": "quarterly"
      }
    }
  ],
  "creditApprovalMatrix": [
    {
      "condition": "loanAmount > 2500000",
      "approver": "Credit Committee",
      "slaHours": 72
    },
    {
      "condition": "ltv > 75",
      "approver": "Chief Credit Officer",
      "slaHours": 48
    },
    {
      "condition": "dscr < 1.25",
      "approver": "Chief Credit Officer",
      "slaHours": 48
    },
    {
      "condition": "collateralType = Real Estate",
      "approver": "Collateral Review",
      "slaHours": 48
    },
    {
      "condition": "interestRate < floor",
      "approver": "Pricing Committee",
      "slaHours": 24
    },
    {
      "condition": "riskRating in High,Critical",
      "approver": "Chief Credit Officer",
      "slaHours": 48
    }
  ]
}