The Asset-Based Lending facility never travels alone. Activating ABL 100% coincides with summoning a regulated Solicitor and a regulated Accountant. Pre-bundled scope, fees, timeline, and paperwork — no separate negotiation, no separate diary.
Sovereign initiates the drawdown request. Tonnage + advance rate auto-populated from the live dPRN registry.
Stage-6 capability fires. The agent does not activate the drawdown — it activates the two-coincidence first.
Pre-drafted instruction goes to the firm of record with one click of sovereign approval. Sealed to op_ledger as abl.solicitor.summon.<ref>.
Pre-drafted instruction goes to the firm of record. Sealed to op_ledger as abl.accountant.summon.<ref>.
Their confirmation is webhooked back · sealed as abl.coincide.confirmed.<ref>. Now — and only now — the drawdown request is released to the lender.
Lender receives the request with the solicitor + accountant cover letters in the same envelope. No back-and-forth. No "we'll need to see your accountant's confirmation."
On settlement, op_ledger gets abl.drawdown.settled.<ref> with both firms' references attached. Truth Ledger immutable.
Both firms operate on fixed-fee retainers per drawdown event. Sovereign signs once; clock then runs to the same number every time ABL fires.
| Role | Scope per drawdown | Fixed fee | Turnaround |
|---|---|---|---|
| ⚖ Solicitor | Facility doc review · debenture perfection · PG scope | £1,850 | 1 business day |
| 📒 Accountant | Receivables age · inventory re-attest · borrowing-base report | £1,450 | 1 business day |
| 🤝 Coincide retainer | Standing readiness across both firms · monthly | £950 / mo | standing |
| Total per ABL drawdown | Solicitor + Accountant + monthly retainer share | £3,300 + £950/mo | 1 business day |
ABL drawdowns fail when the lender asks for a piece of paper that doesn't exist yet. Every "we'll need a quick word with your accountant" adds 5 days, costs the rate, and erodes the relationship. The Trigger Pack collapses that gap to zero — Solicitor + Accountant arrive in the same envelope as the request, every single time. 100% coincidence is the doctrine, not the courtesy.
"An ABL drawdown without a solicitor is a request. With a solicitor and an accountant arriving in the same envelope, it is a transaction. The Trigger Pack is the doctrine that converts the first into the second — automatically."