Business Loan Application Approval Probability Estimator

Step 1: Business Overview

Lenders assess industry risk; this is your perception.

Step 2: Financial Details

Personal credit is often key for small business loans.
Include payments for existing business loans, leases, etc.

Step 3: Loan & Preparation

Amount you are personally investing or have as cash for this specific need.

Step 4: Estimated Loan Approval Probability

Key Strengths

    Areas for Improvement

      Disclaimer: This estimator provides a general assessment based on common lending factors and is for informational purposes only. It is not a guarantee of loan approval nor a substitute for professional financial advice. Actual lender decisions involve more detailed underwriting and vary significantly.

      (Based on a score of ${totalWeightedScore.toFixed(1)} out of ${blape_maxTotalWeightedScore.toFixed(1)})

      `; } const strengthsUl = document.querySelector('#blape-results-strengths ul'); if (strengthsUl) { strengthsUl.innerHTML = feedback.strengths.length > 0 ? feedback.strengths.map(s => `
    • ${s}
    • `).join('') : '
    • Consider enhancing factors to build notable strengths.
    • '; } const improvementsUl = document.querySelector('#blape-results-improvements ul'); if (improvementsUl) { improvementsUl.innerHTML = feedback.improvements.length > 0 ? feedback.improvements.map(i => `
    • ${i}
    • `).join('') : '
    • Your profile shows several strong areas!
    • '; } if (strengthsUl && improvementsUl && feedback.strengths.length === 0 && feedback.improvements.length === 0) { strengthsUl.innerHTML = '
    • Your profile has a mix of factors, with no standout strengths or weaknesses based on the general scoring.
    • '; improvementsUl.innerHTML = '
    • Continue to maintain and improve all aspects of your business financial health.
    • '; } blape_navigateToTab(3); // Show results tab } function blape_generatePDF() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const JSPDF_CONSTRUCTOR = window.jspdf.jsPDF; const tempDoc = new JSPDF_CONSTRUCTOR(); if (typeof tempDoc.autoTable !== 'function') { alert('jsPDF AutoTable plugin is not loaded.'); return; } if (Object.keys(blape_applicationData).length === 0 || !blape_applicationData.inputs) { alert('Please calculate the probability first.'); return; } const doc = new JSPDF_CONSTRUCTOR(); const data = blape_applicationData; let yPos = 15; const pageMargin = 15; const pageWidth = doc.internal.pageSize.getWidth(); const usableWidth = pageWidth - (2 * pageMargin); function addHeader(text) { doc.setFontSize(16); doc.setTextColor(0, 86, 179); // #0056b3 (r, g, b) doc.text(text, pageWidth / 2, yPos, { align: 'center' }); yPos += 10; } function addSubHeader(text) { doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.setTextColor(51, 51, 51); // #333 (r, g, b) doc.text(text, pageMargin, yPos); yPos += 7; } function addList(items, listTitle = "", itemPrefix = "• ") { if (listTitle) { doc.setFontSize(10); doc.setFont(undefined, 'bolditalic'); doc.text(listTitle, pageMargin, yPos); yPos += 5; doc.setFont(undefined, 'normal'); } doc.setFontSize(9); items.forEach(item => { const lines = doc.splitTextToSize(itemPrefix + item, usableWidth - (itemPrefix ? 10 : 5) ); // Adjust width for prefix if (yPos + (lines.length * 4) + 2 > doc.internal.pageSize.getHeight() - 20) { // +2 for spacing doc.addPage(); yPos = pageMargin; // If list continues on new page, re-add subheader if needed, or ensure context } doc.text(lines, pageMargin + (itemPrefix ? 5 : 0) , yPos); yPos += (lines.length * 4) + 1; // +1 for small gap }); yPos += 3; // Extra space after list } addHeader("Business Loan Approval Probability Estimate"); // Overview addSubHeader("Estimation Overview"); doc.setFontSize(11); doc.text(`Estimated Probability: `, pageMargin, yPos); doc.setFont(undefined, 'bold'); let probColorR, probColorG, probColorB; if (data.probabilityText === "High") { probColorR = 21; probColorG = 87; probColorB = 36; // Green } else if (data.probabilityText === "Medium") { probColorR = 133; probColorG = 100; probColorB = 4; // Yellow/Orange } else { // Low probColorR = 114; probColorG = 28; probColorB = 36; // Red } doc.setTextColor(probColorR, probColorG, probColorB); doc.text(data.probabilityText, pageMargin + 50, yPos); // Adjust X for label doc.setFont(undefined, 'normal'); doc.setTextColor(51, 51, 51); // Reset to default text color (r, g, b) yPos += 6; doc.setFontSize(9); doc.text(`(Based on a score of ${data.totalWeightedScore.toFixed(1)} out of ${data.maxScore.toFixed(1)})`, pageMargin, yPos); yPos += 10; // Inputs Summary if (yPos > doc.internal.pageSize.getHeight() - 80) { doc.addPage(); yPos = pageMargin; } // Check before large table addSubHeader("Summary of Your Inputs:"); const inputTableBody = Object.entries(data.inputs).map(([key, value]) => { const formattedKey = key.replace(/([A-ZVal])/g, ' $1').replace(/\sVal$/, '').replace(/^./, str => str.toUpperCase()).trim() + ":"; return [formattedKey, value]; }); doc.autoTable({ startY: yPos, head: [['Factor', 'Your Input']], body: inputTableBody, theme: 'grid', headStyles: { fillColor: [0, 123, 255], textColor: [255,255,255] }, // r,g,b styles: { fontSize: 9, cellPadding: 2 }, didDrawPage: function(hookData) { // hookData to avoid confusion with outer data yPos = pageMargin; // Reset yPos if autoTable creates a new page if (hookData.pageNumber > 1) { // Re-add subheader if it's a new page for the table // This logic might need refinement if table splits often. // For now, just reset yPos. Header is already on first page. } } }); yPos = doc.lastAutoTable.finalY + 10; // Strengths if (yPos > doc.internal.pageSize.getHeight() - 40) { doc.addPage(); yPos = pageMargin; } addSubHeader("Key Strengths Noted:"); if (data.feedback.strengths.length > 0) { addList(data.feedback.strengths, "", "✓ "); } else { doc.setFontSize(9).text("Consider enhancing factors to build notable strengths.", pageMargin, yPos); yPos+=6; } // Areas for Improvement if (yPos > doc.internal.pageSize.getHeight() - 40) { doc.addPage(); yPos = pageMargin; } addSubHeader("Potential Areas for Improvement:"); if (data.feedback.improvements.length > 0) { addList(data.feedback.improvements, "", "✗ "); } else { doc.setFontSize(9).text("Your profile shows several strong areas!", pageMargin, yPos); yPos+=6; } if (data.feedback.strengths.length === 0 && data.feedback.improvements.length === 0) { if (yPos > doc.internal.pageSize.getHeight() - 20) { doc.addPage(); yPos = pageMargin; } doc.setFontSize(9).text("Your profile has a mix of factors, with no standout strengths or weaknesses based on the general scoring. Continue to maintain and improve all aspects of your business financial health.", pageMargin, yPos, {maxWidth: usableWidth}); yPos+=12; } // Disclaimer if (yPos > doc.internal.pageSize.getHeight() - 35) { doc.addPage(); yPos = pageMargin; } // Ensure enough space for disclaimer const disclaimerText = "Disclaimer: This estimator provides a general assessment based on common lending factors and is for informational purposes only. It is not a guarantee of loan approval nor a substitute for professional financial advice. Actual lender decisions involve more detailed underwriting and vary significantly."; doc.setFontSize(8); doc.setTextColor(100, 100, 100); // r, g, b for gray const lines = doc.splitTextToSize(disclaimerText, usableWidth); doc.text(lines, pageMargin, yPos); doc.save("Loan_Approval_Estimate_Report.pdf"); }
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