AISL Lending Readiness Preview
AI-Secured Lending collateral assessment for stack STK-2024-MRC-001
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AISL Rating
COLLATERAL PROFILE
Meridian Revenue AI Stack
Stack qualifies for AI-Secured Lending (AISL) at B rating. Recommend reducing OpenAI concentration below 70 dependency score or establishing multi-model fallbac...
Collateral Readiness
74/100
Enforceability
88/100
Dep. Concentration
32/100
Liquidity Score
72/100
Performance Score
84/100
BORROWING BAND
$1.42M
maximum
Floor: $680.0K
24%–50% LTV of KOV
74
Collateral Readiness
Core score for lending eligibility
88
Enforceability
Commercial API contracts + billing records
72
Liquidity Score
KOU + utilization + market liquidity
84
Performance Score
SPI + success rate + latency consistency
STRENGTH FLAGS
5
✓
All 7 providers have commercial API contracts with enforceable billing records
✓
Revenue attribution documented for 4 of 5 workflows with >72% confidence
✓
OEMRA score 78/100 — maintenance integrity verified across 90-day window
✓
Stripe revenue ground truth provides direct contribution validation
✓
96% evidence verification rate across 8 execution evidence records
WEAKNESS FLAGS
3
⚠
High dependency concentration on OpenAI (92 dep. score) — single-vendor risk
⚠
Dependency concentration: top 2 providers account for 62% of stack weight
⚠
Invoice follow-up workflow lacks human oversight — autonomy ratio elevated
AISL RECOMMENDATION
Stack qualifies for AI-Secured Lending (AISL) at B rating. Recommend reducing OpenAI concentration below 70 dependency score or establishing multi-model fallback before advancing to A rating. Current collateral band is $680K–$1.42M based on 30-day KOV × 0.24–0.50 LTV range. Key risk: single provider concentration and partial human oversight on 2 of 5 workflows.
Base KOV
$2.84M
Pre-OEMRA valuation
OEMRA-Adjusted KOV
$2.58M
Post-maintenance-risk
AISL Borrow Band
$680.0K – $1.42M
24%–50% LTV range
AISL RATING SCALE REFERENCE
A
Score: 90–100
Investment-grade. Full enforceability. Multi-year track record. Max LTV 65%.
B
Score: 75–89
Lending-eligible. Strong enforceability. Minor concentration risk. LTV 50%.
← CURRENT RATING
C
Score: 55–74
Conditional lending. Partial enforceability. Concentration or drift risk. LTV 35%.
D
Score: 35–54
High-risk. Limited enforceability. Significant single-vendor exposure. LTV 20%.
F
Score: <35
Ineligible. Cannot establish defensible valuation or evidence chain.