Retrofit Receivable Exchange

Retrofit Receivable Exchange (RRE) turns small brownfield upgrades into financeable receivables.

Factories, farms, hospitals, mini-grids, and logistics sites often have cheap operational fixes with fast payback: firmware tuning, sensors, motor controls, energy optimization, leak detection, or repair of dead infrastructure. These projects are usually too small and too evidence-poor for normal project finance.

RRE scores those upgrades, verifies the savings basis, and estimates how much capital can be advanced against the future savings stream.

Capital Primitive

measured operational savings -> verified receivable -> advanceable capital

The first product is an underwriting tool:

py -3 tools/rre_score.py `
  --input examples/sample_opportunities.csv `
  --output examples/sample_output.json `
  --report reports/sample_report.md

What It Produces

• financeability score
• payback months
• receivable value
• raw advance rate
• effective advance rate
• cap-binding flag
• advance amount
• reserve percentage
• decision: financeable, review, or decline

advance_rate is the effective post-cap receivable advance rate. The diagnostic field raw_advance_rate shows the pre-cap model appetite.

First Wedge

Sell to ESCOs, retrofit integrators, industrial lenders, development finance programs, and insurers that already see retrofit demand but cannot underwrite small tickets efficiently.

Boundary

This is a standalone IdeaFirst MVP. It is not investment advice, not production-certified AOX output, and not a regulated underwriting engine.

Verification

powershell -ExecutionPolicy Bypass -File scripts\verify.ps1

The verification script runs golden-value unit tests, negative-path validation tests, sample scoring, pilot scoring, JSON validation, and report existence checks.