Assess a company's creditworthiness — leverage and coverage ratios, debt capacity, the maturity wall, covenant headroom, liquidity, and free-cash-flow durability — and write a rating-style credit memo with a view on default risk. Includes a Python helper that computes the ratio scorecard from inputs. Use when the user asks 'can they pay their debt', about bond/credit risk, covenants, refinancing risk, or a credit opinion.
How to install credit-analysis?
nocetic/flowly/credit-analysis
$npx -y skills add nocetic/flowly --skill credit-analysisInstalls into the current project.
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Run `npx skills use "https://github.com/nocetic/flowly" --skill "nocetic/flowly/credit-analysis"` and follow the generated skill instructions now. Read its complete output, redirecting it to a temporary file first if necessary. Resolve relative paths from the supporting-files directory it provides.
Use the skills in "https://github.com/nocetic/flowly" that are relevant to the current task. Run `npx skills add "https://github.com/nocetic/flowly"` and select the relevant skills, then follow their instructions.
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