# Alder Books Reconciliation: loan amortisation, credit application, direct-debit mandate and chargeback documents

The lending and payments paperwork that sits between a business and its bank: a term loan with a full amortisation schedule that closes on zero, a covenant certificate tested against the accounting ledger, a credit application whose every figure names the file it came from, a recurring direct debit mandate with its ISO 20022 pain.008 message, and a complete chargeback representment packet whose evidence index points back into the wave-one order and settlement exports.

All parties, amounts and identifiers are fictional. Fixed snapshot: 2026-09-08. Records are derived from the shared operating model `accounting-reconciliation`, so identifiers join across this set, across the other commercial document sets, and across every fixture built on the same model.

## Reconciliation identities this set asserts

- On every schedule row payment equals interest plus capital and closing equals opening less capital; capital sums to 48,000.00 USD and the final balance is exactly 0.00.
- The level instalment of 1,479.91 USD is the annuity formula on 48,000.00 at 0.57500 percent for 36 months, and the final instalment of 1,479.81 clears the 0.10 USD that 36 level instalments would overcollect.
- The four quarterly accrual rows chain without a gap and each interest figure is the three monthly amounts added.
- Every covenant figure is the accounting model own closing number, and headroom is positive on all four because it is signed in the direction of compliance.
- The 8 direct debit collections are the supplier invoices in the purchase ledger, each collected 5 days later, and they sum to 4,077.58 CAD, the control sum in the pain.008 message.
- Seller exposure on the chargeback is 150.00 USD and the cardholder total is 151.20 USD. Both are built from the same 135.00 USD capture and neither equals the other.
- All seven wave-one evidence references in the dispute packet resolve to a file and a record that exist.

## Parameters this set introduces

These are properties of the document class, not of the operating model. They are declared once and every file in the set agrees with them.

- The facility: LN-2026-0001, 48,000.00 USD at 6.90 percent over 36 months from 2026-07-01, with a 480.00 USD arrangement fee that is not financed.
- The four covenant levels and the interest cover definition, which is a fixture definition printed on the certificate rather than a standard accounting measure.
- The mandate: DDM-2026-0007, signed 2026-07-08, with a 5 day collection lead and three days of advance notice.
- Bank identifiers: sort code 00-00-00 and account numbers from the reserved test range, and a creditor scheme identifier in the same shape.
- The 15.00 USD chargeback case fee and the dispatch record date, which is the wave-one shipping manifest value rather than a new one.

## Files

| File | Format | Validity | What it is |
| --- | --- | --- | --- |
| `loan-agreement-LN-2026-0001.pdf` | pdf | valid | Term loan agreement (PDF) |
| `loan-agreement-LN-2026-0001.docx` | docx | valid | Term loan agreement (DOCX) |
| `loan-amortisation-schedule.csv` | csv | valid | Loan amortisation schedule |
| `loan-amortisation-schedule-final-balance-nonzero.csv` | csv | invalid | Loan amortisation schedule whose final balance does not reach zero |
| `loan-amortisation-schedule.xlsx` | xlsx | valid | Loan amortisation workbook |
| `loan-summary.json` | json | valid | Loan summary |
| `interest-accrual.csv` | csv | valid | Quarterly interest accrual |
| `covenant-compliance-certificate.pdf` | pdf | valid | Covenant compliance certificate |
| `covenant-tests.csv` | csv | valid | Covenant test schedule |
| `credit-application.pdf` | pdf | valid | Credit application (PDF) |
| `credit-application.docx` | docx | valid | Credit application (DOCX) |
| `credit-application.json` | json | valid | Credit application JSON |
| `credit-references.csv` | csv | valid | Trade credit references |
| `direct-debit-mandate.pdf` | pdf | valid | Direct debit mandate (PDF) |
| `direct-debit-mandate.docx` | docx | valid | Direct debit mandate (DOCX) |
| `direct-debit-collection-schedule.csv` | csv | valid | Direct debit collection schedule |
| `direct-debit-pain008.xml` | xml | valid | ISO 20022 pain.008 direct debit initiation |
| `direct-debit-mandate-register.csv` | csv | valid | Direct debit mandate register |
| `chargeback-evidence-index.csv` | csv | valid | Chargeback evidence index |
| `chargeback-timeline.csv` | csv | valid | Chargeback timeline |
| `chargeback-reason-codes.csv` | csv | valid | Chargeback reason code reference |
| `chargeback-dispute-packet-CB-2026-0001.pdf` | pdf | valid | Chargeback representment packet |
| `chargeback-representment.json` | json | valid | Chargeback representment submission |
| `banking-reconciliation.json` | json | reference | Banking reconciliation identities |
| `README.md` | md | reference | Document set README |

## Deliberate defects

These files are broken on purpose. Each is a single named mutation of a correct file in the same directory, and the size of the discrepancy is stated, so a parser under test can be checked against both.

- **`loan-amortisation-schedule-final-balance-nonzero.csv`** Every one of the 36 rows passes both per-row identities, so a row-level validator reports the file as clean. The closing balance on row 36 is 36.15 USD rather than 0.00, and the capital column sums to 47963.85 rather than 48000.00.

## Notes and limits

- None of this is credit, a facility, or financial advice. The lender, the scheme and every account identifier are invented, and the reserved sort code and account numbers cannot address a real account.
- The pain.008 message uses proprietary DOMESTIC and PAD codes rather than SEPA, because the currency is CAD and a SEPA service level would be wrong for it.
- The message carries one payment information block per collection date, because a block holds a single required collection date. A reader expecting one block with eight transactions will find eight blocks with one each.
- The loan borrower is the assembly workshop and the credit applicant is the bookkeeping business; they are different entities and the credit application says so explicitly so the term loan is not added to the applicant own liabilities.
- The chargeback is the case the wave-one ecommerce register leaves open. This set adds the representment; it does not restate the register.