Commercial Credit Underwriting
This dataset provides a comprehensive view of commercial loan underwriting, including applicant profiles, financial statement analysis, cash flow projections, industry risk ratings, covenant structures, and approval workflows. It enables robust risk assessment, regulatory compliance, and process optimization for financial institutions evaluating commercial credit applications.
Sample rows
preview · 8 of 400 rows · all 28 columns| loan_idstring | approval_tierstring | loan_amount_requestedfloat | applicant_typestring | applicant_namestring | industry_codestring | loan_purposestring | application_datedate | financial_statement_period_startdate | financial_statement_period_enddate | total_assetsfloat | total_liabilitiesfloat | total_equityfloat | revenuefloat | net_incomefloat | cash_flow_projection_period_startdate | cash_flow_projection_period_enddate | projected_cash_inflowfloat | projected_cash_outflowfloat | industry_risk_ratinginteger | covenant_typestring | approval_statusstring | approval_datedate | approved_loan_amountfloat | underwriter_idstring | industry_risk_descriptionstring | covenant_descriptionstring | commentsstring |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| L0001 | manager | 12500000 | corporation | Axis Manufacturing Group | 31-33 | Facility construction | 2023-03-14 | 2022-01-01 | 2022-12-31 | 25000000 | 12500000 | 12500000 | 16500000 | 480000 | 2023-04-01 | 2023-12-31 | 14000000 | 10500000 | 2 | financial | approved | 2023-03-29 | 12000000 | UW01 | Stable demand, moderate competition, low regulatory risk. | Debt service coverage ratio must exceed 1.25 each quarter. | Approved due to strong financials, expansion aligns with strategic goals. |
| L0002 | manager | 500000 | LLC | Northside Healthcare LLC | 6211 | Equipment purchase | 2023-04-11 | 2022-04-01 | 2023-03-31 | 720000 | 250000 | 470000 | 260000 | 17000 | 2023-05-01 | 2023-12-31 | 700000 | 540000 | 2 | affirmative | approved | 2023-04-30 | 500000 | UW02 | Low reimbursement risk, solid patient growth, technology investment required. | Quarterly reporting of revenue and patient volumes required. | Loan approved for equipment modernization based on strong revenue trends. |
| L0003 | manager | 450000 | partnership | Blue Horizon Real Estate | 5311 | Land purchase | 2023-05-17 | 2022-05-01 | 2023-04-30 | 820000 | 310000 | 510000 | 69000 | 8200 | 2023-06-01 | 2023-12-31 | 70000 | 37000 | 3 | financial | approved | 2023-06-10 | 450000 | UW03 | Market volatility present, but asset-backed with low leverage. | Appraisal required and LTV not to exceed 70%. | Approved pending third-party appraisal, conservative leverage. |
| L0004 | analyst | 110000 | corporation | Skyline Retail Solutions | 4512 | Inventory purchase | 2023-02-03 | 2022-01-01 | 2022-12-31 | 145000 | 56000 | 89000 | 320000 | 8600 | 2023-03-01 | 2023-06-30 | 115000 | 99000 | 4 | negative | declined | 2023-03-15 | 0 | UW04 | Retail sector facing supply chain disruptions and margin pressure. | No additional debt during loan period. | Declined due to low net profit margins and inventory turnover concerns. |
| L0005 | manager | 375000 | LLC | GreenLeaf Farms LLC | 1112 | Asset acquisition | 2023-01-20 | 2022-01-01 | 2022-12-31 | 420000 | 182000 | 238000 | 87000 | 9200 | 2023-02-01 | 2023-10-31 | 110000 | 75000 | 2 | financial | approved | 2023-02-20 | 375000 | UW05 | Stable crop yields and diversified client base reduce risk. | Maintain minimum equity ratio of 40%. | Approved based on strong asset position and regional demand strength. |
| L0006 | manager | 620000 | partnership | Summit Consulting Partners | 5416 | Office relocation | 2023-05-08 | 2022-05-01 | 2023-04-30 | 950000 | 420000 | 530000 | 175000 | 12000 | 2023-06-01 | 2023-12-31 | 180000 | 98000 | 2 | affirmative | approved | 2023-05-24 | 620000 | UW06 | Diversified client base, moderate business cycle sensitivity. | Quarterly performance reporting required. | Relocation will improve operational efficiency and service delivery. |
| L0007 | executive committee | 8900000 | corporation | PrecisionTech Innovations | 5415 | R&D expansion | 2023-02-25 | 2022-01-01 | 2022-12-31 | 15500000 | 9300000 | 6200000 | 8200000 | -110000 | 2023-03-01 | 2023-09-30 | 9200000 | 7800000 | 3 | financial | pending | blank | blank | UW07 | High innovation risk offset by strong IP portfolio. | Minimum cash reserves must be maintained at all times. | Pending technical review; negative income due to heavy R&D investment. |
| L0008 | analyst | 35000 | sole proprietorship | FreshStart Personal Services | 8121 | Startup capital | 2023-06-10 | 2022-06-01 | 2023-05-31 | 40000 | 15000 | 25000 | 34000 | -1200 | 2023-07-01 | 2023-12-31 | 35000 | 18000 | 5 | negative | declined | 2023-07-05 | 0 | UW08 | Start-up business with limited operating history and uncertain demand. | Personal guarantee required, no new loans until repaid. | Declined due to insufficient collateral and negative income. |
| L0009 | board | 15000000 | corporation | Metro Fleet Logistics | 4841 | Fleet upgrade | 2023-04-05 | 2022-01-01 | 2022-12-31 | 42000000 | 31000000 | 11000000 | 17600000 | 650000 | 2023-05-01 | 2023-12-31 | 16000000 | 13900000 | 2 | financial | approved | 2023-04-20 | 15000000 | UW09 | Strong demand for logistics, but fuel price volatility is a risk. | Maintain fleet asset coverage and quarterly reporting. | Approved for fleet modernization, strong market position. |
| L0010 | manager | 320000 | LLC | Bright Future Tech Labs | 5415 | Technology upgrade | 2023-05-22 | 2022-05-01 | 2023-04-30 | 410000 | 210000 | 200000 | 190000 | 18500 | 2023-06-01 | 2023-12-31 | 220000 | 115000 | 3 | affirmative | approved | 2023-06-10 | 320000 | UW10 | Emerging technology sector, fast growth but high competition. | Monthly reporting on technology performance required. | Approved for technology upgrade, previous successful projects. |
| L0011 | analyst | 99000 | sole proprietorship | Urban Eats Diner | 7222 | Seasonal inventory | 2023-01-12 | 2022-01-01 | 2022-12-31 | 53000 | 18000 | 35000 | 120000 | 2200 | 2023-02-01 | 2023-04-30 | 99000 | 64000 | 4 | negative | approved | 2023-01-28 | 99000 | UW11 | High labor costs, competitive market, economic downturn sensitivity. | No late payments allowed, maintain minimum cash balance. | Approved with close monitoring due to thin margins. |
| L0012 | manager | 125000 | partnership | Aspire Legal Associates | 5411 | Office expansion | 2023-03-23 | 2022-03-01 | 2023-02-28 | 175000 | 69000 | 106000 | 108000 | 7600 | 2023-04-01 | 2023-09-30 | 95000 | 43000 | 2 | affirmative | approved | 2023-04-09 | 125000 | UW12 | Stable revenue, moderate legal sector growth. | Annual audit required, maintain insurance coverage. | Approved; long operating history and strong client retention. |
| L0013 | board | 29700000 | corporation | Starlight Space Ventures | 9271 | Space technology investment | 2023-02-04 | 2022-01-01 | 2022-12-31 | 54000000 | 41000000 | 13000000 | 7000000 | -1950000 | 2023-03-01 | 2023-12-31 | 32000000 | 38000000 | 5 | other | pending | blank | blank | UW13 | High uncertainty, regulatory hurdles, unproven technology. | Personal guarantee and frequent progress milestones required. | Pending due to high risk and negative income, awaiting technical board review. |
| L0014 | executive committee | 780000 | LLC | Sunrise Consulting LLC | 5416 | New branch office | 2023-03-11 | 2022-03-01 | 2023-02-28 | 890000 | 480000 | 410000 | 220000 | 18500 | 2023-04-01 | 2023-12-31 | 230000 | 119000 | 2 | affirmative | approved | 2023-03-28 | 780000 | UW14 | Solid growth, but increasing competition in consulting sector. | Monthly performance metrics must be reported. | Branch expansion approved; performance metrics to be monitored monthly. |
| L0015 | analyst | 42000 | individual | Open Table Foods | 7222 | POS system upgrade | 2023-01-09 | 2022-01-01 | 2022-12-31 | 50000 | 19000 | 31000 | 29000 | -2200 | 2023-02-01 | 2023-04-30 | 42000 | 24000 | 4 | negative | declined | 2023-01-29 | 0 | UW15 | Seasonal business, limited prior repayment history. | No additional debt until loan repaid in full. | Declined due to negative net income and low sales volume. |
| L0016 | executive committee | 8700000 | corporation | Everest Logistics Solutions | 4841 | Fleet expansion | 2023-05-18 | 2022-01-01 | 2022-12-31 | 20500000 | 13800000 | 6700000 | 14200000 | 420000 | 2023-06-01 | 2023-12-31 | 9100000 | 7200000 | 2 | financial | approved | 2023-06-05 | 8700000 | UW16 | Low risk, consistent cash flow from contracts. | Fleet utilization above 85% required. | Approved due to strong contract pipeline and positive income. |
| L0017 | manager | 580000 | corporation | Cobalt Real Estate Group | 5311 | Refinance | 2023-03-19 | 2022-03-01 | 2023-02-28 | 740000 | 270000 | 470000 | 52000 | 3500 | 2023-04-01 | 2023-09-30 | 58000 | 31000 | 3 | financial | approved | 2023-04-11 | 580000 | UW17 | Moderate risk; interest rate sensitivity in asset portfolio. | Interest coverage ratio must remain above 2.0. | Refinance approved with interest coverage monitoring. |
| L0018 | manager | 125000 | partnership | NextGen Consulting Partners | 5416 | Technology upgrade | 2023-05-16 | 2022-05-01 | 2023-04-30 | 187000 | 56000 | 131000 | 89000 | 6500 | 2023-06-01 | 2023-09-30 | 59000 | 24000 | 2 | affirmative | approved | 2023-05-30 | 125000 | UW18 | Solid client base, minimal regulatory risk. | Monthly reporting on technology implementation. | Approved for technology upgrade; business has high recurring revenue. |
| L0019 | board | 29500000 | corporation | Space Frontier Technologies | 9271 | Test loan for space tech | 2023-03-02 | 2022-01-01 | 2022-12-31 | 52000000 | 39700000 | 12300000 | 6100000 | -2000000 | 2023-04-01 | 2023-12-31 | 31000000 | 36000000 | 5 | other | declined | 2023-03-30 | 0 | UW19 | Extremely high risk due to technical uncertainty and regulatory review. | Personal guarantee and monthly milestone reviews. | Declined due to unproven technology and negative cash flows. |
| L0020 | analyst | 65000 | individual | Red Maple Foods | 7222 | Startup inventory | 2023-04-12 | 2022-04-01 | 2023-03-31 | 52000 | 31000 | 21000 | 62000 | -1800 | 2023-05-01 | 2023-09-30 | 65000 | 37000 | 4 | negative | pending | blank | blank | UW20 | Limited operating history, startup risk, variable demand. | No new credit lines until profitability reaches $5,000. | Pending collateral verification and review of operating history. |
What the 400 rows show
from the 400-row sampleBoard (approval tier) stands out: mean loan_
- 420,000median loan_
amount_ requested - 3approval statuses
- 4covenant types
- 64industry codes
- 567,500median total_
assets - 236,000median total_
liabilities
Median 420,000, from 0.01 to 29,700,000.
- string 12
- integer 1
- float 9
- date 6
Columns
28 columns in three groups| column | type | description | example |
|---|---|---|---|
| Text 12 columns | |||
loan_id | string | Unique identifier for each commercial loan applicationunique | L0001 |
applicant_name | string | Full legal name of the loan applicant (company or individual) | Axis Manufacturing Group |
applicant_type | string | Type of applicant (e.g., corporation, partnership, sole proprietorship)5 values | corporation |
industry_code | string | Standard industry classification code (e.g., NAICS or SIC) | 31-33 |
loan_purpose | string | Purpose of the loan (e.g., working capital, equipment purchase, expansion) | Facility construction |
industry_risk_description | string | Qualitative description of industry risk factorsoptional | Stable demand, moderate c… |
covenant_type | string | Type of loan covenant applied (e.g., financial, affirmative, negative)financial · affirmative · negative · other | financial |
covenant_description | string | Description of specific covenant requirements | Debt service coverage rat… |
approval_tier | string | Approval tier or committee level (e.g., analyst, manager, executive committee)analyst · manager · executive committee · board | manager |
approval_status | string | Current status of the loan application (e.g., pending, approved, declined)pending · approved · declined · withdrawn | approved |
underwriter_id | string | Unique identifier for the underwriter responsible for the application | UW01 |
comments | string | Additional comments or notes from the underwriter or approval committeeoptional | Approved due to strong fi… |
| Numbers 10 columns | |||
loan_amount_requested | float | Amount of credit requested by the applicant0.01 or more | 12500000 |
total_assets | float | Total assets reported on the financial statement0 or more | 25000000 |
total_liabilities | float | Total liabilities reported on the financial statement0 or more | 12500000 |
total_equity | float | Total equity reported on the financial statement | 12500000 |
revenue | float | Total revenue for the financial statement period0 or more | 16500000 |
net_income | float | Net income for the financial statement period | 480000 |
projected_cash_inflow | float | Projected cash inflow for the projection period0 or more | 14000000 |
projected_cash_outflow | float | Projected cash outflow for the projection period0 or more | 10500000 |
industry_risk_rating | integer | Quantitative industry risk rating (e.g., 1-5 scale, 1=low risk, 5=high risk)1 to 5 | 2 |
approved_loan_amount | float | Final approved loan amount (if different from requested)0 or more · optional | 12000000 |
| Dates and times 6 columns | |||
application_date | date | Date the loan application was submitted | 2023-03-14 |
financial_statement_period_start | date | Start date of the financial statement period analyzed | 2022-01-01 |
financial_statement_period_end | date | End date of the financial statement period analyzed | 2022-12-31 |
cash_flow_projection_period_start | date | Start date of the cash flow projection period | 2023-04-01 |
cash_flow_projection_period_end | date | End date of the cash flow projection period | 2023-12-31 |
approval_date | date | Date the loan was approved or declinedoptional | 2023-03-29 |
Use it for
A finance dashboard
Loan_
amount_ requested by approval_ tier and a breakdown of applicant_ type. Excel, Power BI or Tableau. Why do the 42 board rows have a mean loan_
amount_ requested of 16,676,429? A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
- Loans400L000112500000managerL0002500000managerL0003450000manager
A software demo
Believable loans with applicant_
name, applicant_ type and industry_ code to fill a screen in front of a buyer.
This dataset400 rows28 columns
Yours1,000 rows28 columns
blueprint · commercial-credit-underwriting
Behind this dataset
Same schema. As many rows as you need.
These 400 rows came out of a blueprint — 28 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.
Rules it was built with
- Business financial statements: balance sheet, P&L, cash flow
- Financial ratios calculated: leverage, coverage, liquidity
- Industry risk rating assigned
- Loan-to-value for secured facilities
- Debt service coverage ratio minimum 1.25x
- Covenants: financial, affirmative, negative
- Personal guarantees for smaller businesses
- Environmental assessment if real estate
Open the blueprint in Data Factory
1 credit per row. Preview 20 rows free. Buy rows for the full run.
- Exports
- CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
- Licence
- yours to use, including commercially
- API slug
- commercial-credit-underwriting