Business Loan vs. Revenue-Based Financing Cost Comparison

Step 1: Funding & Business Revenue

This is used to estimate the repayment period for Revenue-Based Financing.

Step 2: Traditional Loan Details

Funding Amount: $0.00 (from Step 1)

Step 3: Revenue-Based Financing (RBF) Details

Funding Amount: $0.00 (from Step 1)

Step 4: Cost Comparison Summary

This comparison is an estimate based on the inputs provided. Actual terms and costs may vary. Not financial advice.

`; } if (nextButton) { nextButton.addEventListener('click', () => { let canProceed = false; if (currentTab === 0) { canProceed = validateTab1(); } else if (currentTab === 1) { canProceed = validateAndCalculateTab2(); } else if (currentTab === 2) { canProceed = validateAndCalculateTab3(); if (canProceed) populateComparison(); } if (canProceed && currentTab < tabContents.length - 1) { showTab(currentTab + 1); } }); } if (prevButton) { prevButton.addEventListener('click', () => { if (currentTab > 0) { showTab(currentTab - 1); // Clear errors on tabs when going back [errorTab1El, errorTab2El, errorTab3El, errorTab4El].forEach(clearError); } }); } if (tabButtons) { tabButtons.forEach((button, index) => { button.addEventListener('click', () => { if (index <= currentTab) { // Allow navigation to previous/current tabs showTab(index); } else { // Attempt to fast-forward if clicking a future tab let canReachTarget = true; for (let i = currentTab; i < index; i++) { let validationPassed = false; if (i === 0) validationPassed = validateTab1(); else if (i === 1) validationPassed = validateAndCalculateTab2(); else if (i === 2) { validationPassed = validateAndCalculateTab3(); if (validationPassed) populateComparison(); } if (!validationPassed) { showTab(i); // Stay on the tab that failed if (nextButton) nextButton.click(); // Simulate next to show error canReachTarget = false; break; } } if (canReachTarget) showTab(index); } }); }); } if (downloadPdfButton) { downloadPdfButton.addEventListener('click', () => { clearError(errorTab4El); if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { displayError(errorTab4El, 'PDF library (jsPDF) not loaded.'); console.error('window.jspdf or window.jspdf.jsPDF is undefined.'); return; } const JSPDFConstructor = window.jspdf.jsPDF; const doc = new JSPDFConstructor(); if (typeof doc.autoTable !== 'function') { displayError(errorTab4El, 'PDF table plugin (autoTable) not loaded.'); console.error('doc.autoTable is not a function.'); return; } if (!comparisonData.loan.totalCost === undefined || !comparisonData.rbf.totalCost === undefined) { displayError(errorTab4El, 'Please complete all steps for comparison data before PDF generation.'); return; } const loan = comparisonData.loan; const rbf = comparisonData.rbf; const funding = comparisonData.fundingAmount; const avgRevenue = comparisonData.avgMonthlyRevenue; const formatPdfCurrency = (num) => (typeof num !== 'number' || isNaN(num)) ? '$0.00' : `$${num.toFixed(2)}`; const formatPdfNumber = (num, dec=2) => (typeof num !== 'number' || isNaN(num)) ? 'N/A' : num.toFixed(dec); doc.setFontSize(18); doc.text("Business Financing Cost Comparison", 14, 20); doc.setFontSize(10); doc.setTextColor(100); doc.text(`Report Date: ${new Date().toLocaleDateString()}`, 14, 27); doc.setTextColor(0); const headStyles = { fillColor: [0, 115, 170], textColor: 255, fontStyle: 'bold' }; const subHeadStyles = { fillColor: [230, 230, 230], textColor: 0, fontStyle: 'bold' }; const theme = 'grid'; let startY = 35; // Input Summary doc.setFontSize(12); doc.text("Initial Assumptions", 14, startY); startY += 6; doc.autoTable({ startY: startY, body: [ ['Funding Amount Needed:', formatPdfCurrency(funding)], ['Est. Average Monthly Revenue:', formatPdfCurrency(avgRevenue)], ], theme: 'plain', columnStyles: { 0: { fontStyle: 'bold' } } }); startY = doc.lastAutoTable.finalY + 8; // Comparison Table doc.setFontSize(12); doc.text("Financing Option Comparison", 14, startY); startY += 2; const tableData = [ [{content: 'Metric', styles: {fontStyle: 'bold'}}, {content: 'Traditional Loan', styles: {halign: 'center'}}, {content: 'Revenue-Based Financing', styles: {halign: 'center'}}], ['Funding Amount', formatPdfCurrency(funding), formatPdfCurrency(funding)], ['Annual Interest Rate / Cap', `${formatPdfNumber(loan.interestRate)}%` , `${formatPdfNumber(rbf.repaymentCap)}x Cap`], ['Term / Revenue Share', `${formatPdfNumber(loan.termYears,1)} yrs (${formatPdfNumber(loan.termMonths,0)} mos)` , `${formatPdfNumber(rbf.revenueShare)}% Share`], ['Upfront Fees', formatPdfCurrency(loan.calculatedUpfrontFee), formatPdfCurrency(rbf.calculatedUpfrontFee)], ['Monthly Payment', `${formatPdfCurrency(loan.monthlyPayment)} (Fixed)`, `${formatPdfCurrency(rbf.estimatedMonthlyPayment)} (Est. Avg)`], ['Est. Repayment Term', `${formatPdfNumber(loan.termMonths,0)} mos`, rbf.estimatedRepaymentMonths === Infinity ? 'N/A' : `${formatPdfNumber(rbf.estimatedRepaymentMonths,1)} mos (Est.)`], ['Total Interest / Premium', formatPdfCurrency(loan.totalInterest), formatPdfCurrency(rbf.totalRepayment - funding)], [{content: 'Total Cost of Financing', styles:{fontStyle:'bold'}}, {content:formatPdfCurrency(loan.totalCost), styles:{fontStyle:'bold'}}, {content:formatPdfCurrency(rbf.totalCost), styles:{fontStyle:'bold'}}], [{content: 'Total Amount Repaid', styles:{fontStyle:'bold'}}, {content:formatPdfCurrency(loan.totalRepayment), styles:{fontStyle:'bold'}}, {content:formatPdfCurrency(rbf.totalRepayment), styles:{fontStyle:'bold'}}] ]; doc.autoTable({ startY: startY, head: tableData.slice(0,1), // Use first row as head body: tableData.slice(1), // Rest as body theme: theme, headStyles: headStyles, columnStyles: {0:{cellWidth:55}, 1:{halign:'right', cellWidth:55}, 2:{halign:'right', cellWidth:55}}, margin: {left: 14, right: 14} }); startY = doc.lastAutoTable.finalY + 10; doc.setFontSize(9); doc.setTextColor(100); const noteText = "This comparison is an estimate based on the inputs provided. Actual terms and costs may vary significantly. This tool does not provide financial advice; consult with a financial advisor before making decisions."; const splitNoteText = doc.splitTextToSize(noteText, doc.internal.pageSize.width - 28); doc.text(splitNoteText, 14, startY); doc.save("Financing_Comparison_Summary.pdf"); }); } // Initialize if (tabContents.length > 0 && tabButtons.length > 0) showTab(0); if (fundingAmountEl) fundingAmountEl.addEventListener('input', updateFundingDisplays); updateFundingDisplays(); // Initial call });
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