renewal-window-detection

name	renewal-window-detection
description	Identifies funded deals that have crossed the renewal eligibility threshold (default 40% paid back) and drafts targeted renewal outreach for each.
triggers	["who's up for renewal","what's at 40%","renewal window","renewal opportunities","who can we renew","check renewals","renewal list"]
tier	stable
disable_model_invocation	false
requires	["env:SUNBIZ_SUPABASE_URL","env:SUNBIZ_SUPABASE_ANON_KEY"]

Renewal Window Detection

Where these endpoints live: All /api/... URLs below are routes on the OASIS Command Center dashboard (repo: CC90210/oasis-command-center, deployed at https://agent-dashboard-sigma-eight.vercel.app). They are NOT served by this repo's local scripts/api_server.py (which only exposes /health, /status, /sms/send, /webhook/jotform). Solara's bridge makes authenticated fetch calls into the dashboard's API surface, and the dashboard then writes to Supabase / queues threads / dispatches the 8 daemons in this repo.

Purpose

Funded deals become renewable once a merchant has paid back enough of the advance. Proactive renewal outreach is the highest-margin activity in the funding business — no new underwriting cost, existing relationship. Never let a renewal window expire uncontested.

Renewal Eligibility Threshold

Default: 40% of the advance paid back.

This is configurable per-deal via renewal_eligibility_threshold on the funded_deals table. If a lender requires 50%, that overrides the default.

How-To-Run

Step 1 — Query funded deals

GET /api/funded-deals?status=active

The response includes advance_amount, total_payback, amount_paid_to_date, factor_rate, lender_id, lender_contact, funded_at, last_contact_date.

Step 2 — Compute renewal eligibility

For each deal:

progress_pct = amount_paid_to_date / total_payback
eligible = progress_pct >= renewal_eligibility_threshold (default 0.40)

Also compute:

payback_remaining = total_payback - amount_paid_to_date
days_since_funded = today - funded_at
days_since_last_contact = today - last_contact_date

Step 3 — Rank eligible deals

Sort by priority:

1. progress_pct highest first (closest to full payback = most urgent — they may go elsewhere)
2. days_since_last_contact descending (longest without contact = most likely to have drifted)

Step 4 — Surface the renewal report

Renewal Window Report — [Date]

ELIGIBLE FOR RENEWAL (4 deals)

1. [Merchant Name]
   Advance: $60,000 | Paid back: $28,400 (47%) | Remaining: $31,600
   Lender: Funder A | Contact: [name] | Last contacted: 22 days ago
   Suggested renewal: $50,000–$70,000 depending on current revenue
   Action: Call merchant this week — at 47% they're in the sweet spot.

2. [Merchant Name]
   Advance: $25,000 | Paid back: $11,800 (47%) | Remaining: $13,200
   Lender: Funder B | Contact: [name] | Last contacted: 8 days ago
   ...

APPROACHING WINDOW (2 deals — not yet eligible but worth monitoring)
- [Merchant Name]: 34% paid — eligible in ~3 weeks at current pace
- [Merchant Name]: 29% paid — eligible in ~5 weeks

Step 5 — Draft renewal outreach

For each eligible deal, draft a personal outreach (not a blast):

Subject: How things going, [First Name]?

Hey [First Name],

Just checking in — wanted to see how business has been since we got you funded in [Month].

If you're looking for additional working capital or want to discuss refinancing into
a lower-rate product now that you've got a track record with the lender, I'd love
to connect for 10 minutes this week.

Any time work for you?

[Ezra's name]
SunBiz Funding

Customize based on:

• How long ago they were funded (feel free to reference it)
• Their industry (if it's seasonal, tie to the season)
• Whether they've had contact recently (if yes, reference it; if no, keep it warm/casual)

Step 6 — Queue or surface for Ezra

If Ezra says "send it" — route through skills/casl-compliance/SKILL.md first, then skills/email-outbound/SKILL.md.

If Ezra wants to call instead — add to today's call sheet via skills/daily-call-sheet-workflow/SKILL.md.

Guardrails

• Never send a renewal email to a merchant who is delinquent or has filed a complaint — check funded_deals.flags first.
• If last_contact_date is < 7 days ago, flag it — Ezra may have already initiated renewal outreach manually.
• Renewal outreach is personal, not a blast. Route through skills/email-outbound with personalization, not skills/cold-outreach-blast.

Related Skills

• [[skills/casl-compliance/SKILL.md]] — compliance check before any outreach
• [[skills/lender-intelligence/SKILL.md]] — check if the current lender has renewal terms or prefers full payback first
• [[skills/daily-call-sheet-workflow/SKILL.md]] — add renewal calls to today's sheet
• [[skills/follow-up-discipline/SKILL.md]] — general follow-up queue