Commercial Loan Draws & Servicing — impact tolerance ≤ 1 business day — ITOL

Impact tolerance: ≤ 1 business day — same-day draw request unfunded > 1 business day; syndicated funding deadlines missed (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Fund commercial lines of credit, term loans, and syndicated loan draws; process interest and principal payments.

Why it is designated: Commercial borrowers rely on same-day funding for payroll, M&A closings, and working capital. Syndicated agent-bank duties carry contractual and reputational risk.