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| [ | |
| { | |
| "id": "doc_fin_01", | |
| "topic": "ebitda_definition", | |
| "content": "EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It serves as a core metric for operational profitability." | |
| }, | |
| { | |
| "id": "doc_fin_02", | |
| "topic": "lending_thresholds", | |
| "content": "Commercial loans above $500,000 require secondary risk committee sign-off, two years of audited financials, and debt service coverage ratio over 1.25." | |
| } | |
| ] |