Overall: Based on your responses, there may be one or more areas that could affect your eligibility or require further clarification with an SBA lender. It's crucial to discuss these with a lender.

"; } sbalcEligibilitySummaryDiv.innerHTML = eligibilityHTML; // Payment Summary if (sbalcPaymentResultsDiv.style.display === 'block') { sbalcPaymentSummaryDisplayDiv.innerHTML = `

Estimated Payment Summary:

For a loan amount of ${formatCurrency(getNumericValue(sbalcLoanAmountForCalc))} at an estimated annual interest rate of ${getNumericValue(sbalcInterestRate)}% over ${getNumericValue(sbalcLoanTermYears)} years:

Estimated Monthly Payment: ${sbalcMonthlyPaymentDisplay.textContent}

Total Interest Paid: ${sbalcTotalInterestDisplay.textContent}

`; } else { sbalcPaymentSummaryDisplayDiv.innerHTML = "

Estimated Payment Summary:

Payment not yet calculated. Please complete Tab 3.

"; } } function switchTabSbalc(tabIndex) { sbalcTabs.forEach(tab => tab.classList.remove('active')); sbalcTabContents.forEach(content => content.classList.remove('active')); if (sbalcTabs[tabIndex]) sbalcTabs[tabIndex].classList.add('active'); if (sbalcTabContents[tabIndex]) sbalcTabContents[tabIndex].classList.add('active'); sbalcCurrentTab = tabIndex; if (sbalcPrevBtn) sbalcPrevBtn.style.display = sbalcCurrentTab === 0 ? 'none' : 'inline-block'; if (sbalcNextBtn) sbalcNextBtn.style.display = sbalcCurrentTab === sbalcTabs.length - 1 ? 'none' : 'inline-block'; // Auto-fill loan amount for calculation when switching to Tab 3 if (sbalcCurrentTab === 2 && sbalcDesiredAmount && sbalcLoanAmountForCalc) { // Index 2 is Payment Calc Tab if (sbalcLoanAmountForCalc.value === "" || sbalcLoanAmountForCalc.value === "0") { sbalcLoanAmountForCalc.value = sbalcDesiredAmount.value; } } if (sbalcCurrentTab === sbalcTabs.length - 1) { // If on summary tab updateSummaryTab(); } } sbalcTabs.forEach((tab, index) => { if (tab) tab.addEventListener('click', () => switchTabSbalc(index)); }); if (sbalcNextBtn) { sbalcNextBtn.addEventListener('click', () => { if (sbalcCurrentTab < sbalcTabs.length - 1) switchTabSbalc(sbalcCurrentTab + 1); }); } if (sbalcPrevBtn) { sbalcPrevBtn.addEventListener('click', () => { if (sbalcCurrentTab > 0) switchTabSbalc(sbalcCurrentTab - 1); }); } function generateSbalcPdf() { const { jsPDF } = window.jspdf; if (!jsPDF || !jsPDF.API.autoTable) { alert("Error: PDF generation library (jsPDF with autoTable) not loaded."); return; } const doc = new jsPDF('p', 'pt', 'a4'); const pageHeight = doc.internal.pageSize.height; let yPos = 40; const leftMargin = 40; const contentWidth = doc.internal.pageSize.width - (2 * leftMargin); function addHeader(text) { doc.setFontSize(16); doc.setTextColor(0, 45, 98); // SBA Blue doc.text(text, doc.internal.pageSize.width / 2, yPos, { align: 'center' }); yPos += 25; } function addSubHeader(text) { if (yPos > pageHeight - 60) { doc.addPage(); yPos = 40; } doc.setFontSize(12); doc.setTextColor(0, 112, 201); // Lighter SBA Blue doc.text(text, leftMargin, yPos); yPos += 20; } function addParagraph(text, fontSize = 9, spacing = 12) { if (yPos > pageHeight - 40) { doc.addPage(); yPos = 40; } doc.setFontSize(fontSize); doc.setTextColor(51, 51, 51); const lines = doc.splitTextToSize(text, contentWidth); doc.text(lines, leftMargin, yPos); yPos += (lines.length * spacing) + (spacing / 2); } addHeader("SBA Loan Preliminary Eligibility & Payment Estimate"); addParagraph(`Report Generated: ${new Date().toLocaleDateString()}`, 9, 15); // Section 1: Business & Loan Information addSubHeader("1. Your Business & Loan Information"); const loanInfoData = [ ["Desired Loan Amount:", formatCurrency(getNumericValue(sbalcDesiredAmount))], ["Primary Loan Purpose:", sbalcLoanPurpose.options[sbalcLoanPurpose.selectedIndex].text], ["Estimated Owner's Equity Injection:", formatCurrency(getNumericValue(sbalcEquityInjection))], ["Primary Industry:", sbalcIndustry.value || "Not Specified"] ]; doc.autoTable({ startY: yPos, head: [['Parameter', 'Value']], body: loanInfoData, theme: 'striped', headStyles: {fillColor: [0,45,98]}, styles: {fontSize:9, cellPadding:4} }); yPos = doc.lastAutoTable.finalY + 20; // Section 2: Preliminary Eligibility Checklist if (yPos > pageHeight - 60) { doc.addPage(); yPos = 40; } addSubHeader("2. Preliminary Eligibility Checklist"); addParagraph("Disclaimer: This is a preliminary checklist based on general SBA guidelines and DOES NOT guarantee loan eligibility or approval. Consult an SBA-approved lender for an official determination.", 8, 10); const eligibilityData = []; eligibilityQuestionNames.forEach((name, index) => { const questionTextEl = document.querySelector(`input[name="${name}"]`)?.closest('.sbalc-input-group')?.querySelector('.sbalc-question-text'); const questionText = questionTextEl ? questionTextEl.textContent : `Question ${index + 1}`; const val = getSelectedRadioValue(name); let answerText = "Not Answered"; if (val === 'yes') answerText = "Yes"; else if (val === 'no') answerText = "No"; else if (val === 'unsure') answerText = "Unsure"; else if (val === 'na') answerText = "Not Applicable/Unsure"; eligibilityData.push([questionText, answerText]); }); doc.autoTable({ startY: yPos, head: [['Question', 'Your Response']], body: eligibilityData, theme: 'grid', styles: {fontSize:9, cellPadding:4} }); yPos = doc.lastAutoTable.finalY + 20; // Eligibility Overall (Simplified for PDF) let positivePoints = 0; let concerningPoints = 0; eligibilityQuestionNames.forEach(name => { const val = getSelectedRadioValue(name); if (val === 'yes') positivePoints++; if (val === 'no' && ['sbalcIsForProfit', 'sbalcIsUSBased', 'sbalcGoodCredit', 'sbalcGovtDebtCurrent', 'sbalcCanRepay', 'sbalcOwnershipStatus'].includes(name)) concerningPoints++; }); let overallEligibilityText = "Based on your responses, further discussion with an SBA lender is recommended. "; if (concerningPoints > 0) { overallEligibilityText += `There are ${concerningPoints} area(s) identified that may pose challenges to eligibility and require careful review.`; } else if (positivePoints >= eligibilityQuestionNames.length - 2) { overallEligibilityText += "You appear to meet several general criteria, but official verification is essential."; } addParagraph(`Overall Eligibility Indication: ${overallEligibilityText}`, 9, 12); // Section 3: Estimated Loan Payment if (yPos > pageHeight - 60) { doc.addPage(); yPos = 40; } addSubHeader("3. Estimated Loan Payment Details"); if (sbalcPaymentResultsDiv.style.display === 'block') { const paymentData = [ ["Loan Amount:", formatCurrency(getNumericValue(sbalcLoanAmountForCalc))], ["Estimated Annual Interest Rate:", `${getNumericValue(sbalcInterestRate)}%`], ["Loan Term:", `${getNumericValue(sbalcLoanTermYears)} years`], ["Estimated Monthly Payment:", sbalcMonthlyPaymentDisplay.textContent], ["Total Principal & Interest Paid:", sbalcTotalPaidDisplay.textContent], ["Total Interest Paid:", sbalcTotalInterestDisplay.textContent] ]; doc.autoTable({ startY: yPos, head: [['Detail', 'Amount']], body: paymentData, theme: 'striped', headStyles: {fillColor: [0,45,98]}, styles: {fontSize:9, cellPadding:4} }); yPos = doc.lastAutoTable.finalY + 20; } else { addParagraph("Payment not calculated in this session.", 9, 12); } addParagraph("Note: This estimate does not include potential SBA guarantee fees or other lender fees.", 8, 10); // Section 4: Summary & Next Steps if (yPos > pageHeight - 120) { doc.addPage(); yPos = 40; } // Check space for list addSubHeader("4. General Next Steps"); const nextSteps = [ "Develop a Comprehensive Business Plan.", "Gather Financial Documents (personal & business).", "Check Your Credit reports.", "Research specific SBA Loan Programs further.", "Contact SBA-Approved Lenders (e.g., via SBA LenderMatch).", "Inquire about all applicable fees (guarantee, closing costs, etc.)." ]; doc.setFontSize(9); doc.setTextColor(51,51,51); nextSteps.forEach(step => { if (yPos > pageHeight - 25) { doc.addPage(); yPos = 40; addSubHeader("4. General Next Steps (Continued)");} doc.text(`• ${step}`, leftMargin + 10, yPos, {maxWidth: contentWidth - 10}); yPos += 14; }); yPos += 10; addParagraph("Reminder: This tool provides estimates and general guidance only. The SBA and its lending partners have final authority on all loan eligibility and terms.", 8, 10); doc.save('SBA_Loan_Estimate_Report.pdf'); } if (sbalcPdfDownloadButton) { sbalcPdfDownloadButton.addEventListener('click', generateSbalcPdf); } // Initial setup switchTabSbalc(0); // Show first tab });