Please complete all previous tabs to view your risk assessment indication.

'; } sblra_domElements.pdfDownloadBtn.classList.add('sblra-hidden'); } } function sblra_navigateToTab(targetTabId) { const currentActiveTabContent = document.querySelector('.sblra-tab-content.sblra-active'); let proceed = true; if (currentActiveTabContent.id === 'sblra-tab1') { if (targetTabId !== 'sblra-tab1') proceed = sblra_validateTab1(); } else if (currentActiveTabContent.id === 'sblra-tab2') { if (targetTabId !== 'sblra-tab1' && targetTabId !== 'sblra-tab2') { // Moving forward if(!sblra_validateTab1()){ // Validate previous tab first const tab1Button = document.querySelector('.sblra-tab-link[data-tab="sblra-tab1"]'); if (tab1Button) tab1Button.click(); return; } proceed = sblra_validateTab2(); } } else if (currentActiveTabContent.id === 'sblra-tab3') { if (targetTabId === 'sblra-tab4') { // Moving to final tab if(!sblra_validateTab1()){ const tab1Button = document.querySelector('.sblra-tab-link[data-tab="sblra-tab1"]'); if (tab1Button) tab1Button.click(); return; } if(!sblra_validateTab2()){ const tab2Button = document.querySelector('.sblra-tab-link[data-tab="sblra-tab2"]'); if (tab2Button) tab2Button.click(); return; } proceed = sblra_validateTab3(); } } if (proceed) { const targetTabButton = document.querySelector(`.sblra-tab-link[data-tab="${targetTabId}"]`); if (targetTabButton) targetTabButton.click(); } } function sblra_calculateRiskAssessment() { if (!sblra_validateTab1() || !sblra_validateTab2() || !sblra_validateTab3()) { sblra_domElements.assessmentResultContainer.innerHTML = '

Please complete all required fields in the previous tabs with valid data.

'; sblra_domElements.pdfDownloadBtn.classList.add('sblra-hidden'); return; } let score = 0; // Q1: Years in Business const years = sblra_domElements.yearsInBusiness.value; if (years === "0_1") score += 0; else if (years === "2_3") score += 1; else if (years === "4_5") score += 2; else if (years === "gt5") score += 3; // Q2: Net Profit Margin const npm = parseFloat(sblra_domElements.netProfitMargin.value); if (npm < 0) score += 0; else if (npm <= 7) score += 1; // 0-7% else if (npm <= 15) score += 2; // 8-15% else score += 3; // >15% // Q3: Business DTI const monthlyRevenue = parseFloat(sblra_domElements.monthlyRevenue.value); const monthlyDebtPayments = parseFloat(sblra_domElements.monthlyDebtPayments.value); let dti = 0; if (monthlyRevenue > 0) { dti = (monthlyDebtPayments / monthlyRevenue) * 100; } else if (monthlyDebtPayments > 0) { // No revenue but has debt dti = Infinity; } // Store calculated DTI for PDF and display sblra_userInputData.calculatedDTI = dti; if (dti > 50) score += 0; else if (dti >= 30 && dti <= 50) score += 1; else if (dti >= 10 && dti < 30) score += 2; else if (dti < 10) score += 3; // Includes 0 DTI // Q4: Cash Reserves const reserves = sblra_domElements.cashReserves.value; if (reserves === "lt1") score += 0; else if (reserves === "1_2") score += 1; else if (reserves === "3_4") score += 2; else if (reserves === "gt4") score += 3; // Q5: Personal Credit Score const credit = sblra_domElements.creditScore.value; if (credit === "poor") score += 0; else if (credit === "fair") score += 1; else if (credit === "good") score += 2; else if (credit === "excellent") score += 3; // Q6: Collateral const collateral = sblra_domElements.collateral.value; if (collateral === "none") score += 0; else if (collateral === "some") score += 1; else if (collateral === "substantial") score += 2; let riskCategory = ""; let riskClass = ""; let explanation = ""; // Max score = 3+3+3+3+3+2 = 17 if (score >= 13) { riskCategory = "Lower Risk Profile Indication"; riskClass = "lower-risk"; explanation = "Businesses with this profile indication often demonstrate strong financial health, stability, and good creditworthiness. Lenders may view applications more favorably, potentially leading to better terms and higher approval chances. Continue maintaining these positive indicators."; } else if (score >= 8) { riskCategory = "Moderate Risk Profile Indication"; riskClass = "moderate-risk"; explanation = "This profile suggests a generally stable business but with some areas that lenders might scrutinize. While loan approval is possible, terms might vary. Focusing on improving factors like cash reserves, profitability, or reducing debt could strengthen your position."; } else { // score < 8 riskCategory = "Higher Risk Profile Indication"; riskClass = "higher-risk"; explanation = "This profile indication suggests areas of concern that lenders may see as higher risk. This could be due to factors like limited operating history, lower profitability, higher debt, or weaker credit. Addressing these areas is crucial. Consider developing a stronger financial plan, improving cash flow, and reducing debt before seeking significant financing."; } // Store for PDF sblra_userInputData.riskCategory = riskCategory; sblra_userInputData.riskExplanation = explanation; sblra_domElements.assessmentResultContainer.className = 'sblra-results-container ' + riskClass; // Reset classes then add new one sblra_domElements.assessmentResultContainer.innerHTML = `

${riskCategory}

Calculated Business DTI: ${isFinite(dti) ? dti.toFixed(1) + '%' : 'N/A (due to zero revenue with debt)'}

${explanation}

Note: This is a simplified estimation based on the information you provided. Actual loan decisions involve a much more detailed review by lenders.

`; sblra_domElements.pdfDownloadBtn.classList.remove('sblra-hidden'); } function sblra_hexToRgb(hex) { if (!hex || typeof hex !== 'string') return null; const shorthandRegex = /^#?([a-f\d])([a-f\d])([a-f\d])$/i; hex = hex.replace(shorthandRegex, function(m, r, g, b) { return r + r + g + g + b + b; }); const result = /^#?([a-f\d]{2})([a-f\d]{2})([a-f\d]{2})$/i.exec(hex); return result ? { r: parseInt(result[1], 16), g: parseInt(result[2], 16), b: parseInt(result[3], 16) } : null; } function sblra_generatePdf() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { console.error("jsPDF library not loaded."); alert("PDF generation unavailable: jsPDF library not loaded."); return; } if (typeof window.jspdf.jsPDF.API === 'undefined' || typeof window.jspdf.jsPDF.API.autoTable === 'undefined') { console.error("jsPDF-AutoTable plugin not loaded."); alert("PDF generation unavailable: AutoTable plugin not loaded."); return; } if (!sblra_validateTab1() || !sblra_validateTab2() || !sblra_validateTab3()) { alert("Please ensure all inputs are correctly filled before generating PDF."); // Attempt to navigate to the first invalid tab if (!sblra_validateTab1()) { const tab1Button = document.querySelector('.sblra-tab-link[data-tab="sblra-tab1"]'); if (tab1Button) tab1Button.click(); } else if (!sblra_validateTab2()) { const tab2Button = document.querySelector('.sblra-tab-link[data-tab="sblra-tab2"]'); if (tab2Button) tab2Button.click(); } else if (!sblra_validateTab3()) { const tab3Button = document.querySelector('.sblra-tab-link[data-tab="sblra-tab3"]'); if (tab3Button) tab3Button.click(); } return; } // Ensure assessment is run with latest data for PDF sblra_calculateRiskAssessment(); if (sblra_domElements.assessmentResultContainer.innerHTML.includes("sblra-error-message")) { alert("Cannot generate PDF due to errors in input. Please correct them."); return; } const ActualJsPDF = window.jspdf.jsPDF; const doc = new ActualJsPDF(); const { yearsInBusiness, netProfitMargin, monthlyRevenue, monthlyDebtPayments, calculatedDTI, cashReserves, creditScore, collateral, riskCategory, riskExplanation } = sblra_userInputData; doc.setFontSize(18); const primaryColorRGB = sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-primary-color').trim()); const secondaryColorRGB = sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-secondary-color').trim()); if (primaryColorRGB) doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); else doc.setTextColor(0,90,156); doc.text("Small Business Loan Risk Assessment", 105, 20, null, null, "center"); doc.setFontSize(12); doc.setTextColor(51, 51, 51); let startY = 35; const tableHeadFillColor = secondaryColorRGB ? [secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b] : [0,51,102]; doc.setFontSize(14); if (secondaryColorRGB) doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); else doc.setTextColor(0,51,102); doc.text("Summary of Your Inputs:", 14, startY); startY += 10; const inputDataBody = [ ["Years in Business:", yearsInBusiness], ["Net Profit Margin (Last 12 Mo.):", `${netProfitMargin}%`], ["Avg. Monthly Business Revenue:", sblra_formatCurrency(monthlyRevenue)], ["Total Monthly Debt Payments:", sblra_formatCurrency(monthlyDebtPayments)], ["Calculated Business DTI:", `${isFinite(calculatedDTI) ? calculatedDTI.toFixed(1) + '%' : 'N/A'}`], ["Cash Reserves (OpEx months):", cashReserves], ["Owner's Personal Credit Score:", creditScore], ["Collateral for Loan:", collateral] ]; doc.autoTable({ startY: startY, theme: 'grid', headStyles: { fillColor: tableHeadFillColor, textColor: 255 }, columnStyles: {0: {fontStyle: 'bold'}}, body: inputDataBody, margin: { left: 14, right: 14 } }); startY = doc.autoTable.previous.finalY + 15; doc.setFontSize(16); if (riskCategory === "Lower Risk Profile Indication") doc.setTextColor(sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-accent-color').trim())?.r || 0, sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-accent-color').trim())?.g || 128, sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-accent-color').trim())?.b || 0); else if (riskCategory === "Moderate Risk Profile Indication") doc.setTextColor(sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-warning-color').trim())?.r || 255, sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-warning-color').trim())?.g || 165, sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-warning-color').trim())?.b || 0); else doc.setTextColor(sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-danger-color').trim())?.r || 255, sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-danger-color').trim())?.g || 0, sblra_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sblra-danger-color').trim())?.b || 0); doc.text("Assessment Result: " + riskCategory, 14, startY); startY += 10; doc.setFontSize(11); doc.setTextColor(51,51,51); const splitExplanation = doc.splitTextToSize(riskExplanation, doc.internal.pageSize.width - 28); doc.text(splitExplanation, 14, startY); startY += (splitExplanation.length * (doc.getLineHeight() / doc.internal.scaleFactor)) + 10; doc.setFontSize(9); doc.setTextColor(100); const disclaimer = "Note: This is a simplified estimation based on the information you provided. Actual loan decisions involve a much more detailed review by lenders and are subject to their specific criteria."; const splitDisclaimer = doc.splitTextToSize(disclaimer, doc.internal.pageSize.width - 28); doc.text(splitDisclaimer, 14, startY); doc.setFontSize(10); doc.setTextColor(150); doc.text(`Report generated on: ${new Date().toLocaleDateString()} ${new Date().toLocaleTimeString()}`, 14, doc.internal.pageSize.height - 10); doc.save("Small_Business_Loan_Risk_Assessment.pdf"); } window.sblra_switchTab = sblra_switchTab; window.sblra_navigateToTab = sblra_navigateToTab; window.sblra_generatePdf = sblra_generatePdf;