Startup Loan Requirement Estimator

Startup Loan Requirement Estimator

One-Time Startup Costs

$
$
$
$
$
$
$
$
$

Total One-Time Costs: $0.00

Recurring Monthly Costs


Enter amounts per month:

$
$
$
$
$
$
$
$

Total Monthly Costs: $0.00

Total Recurring Costs for 6 Months: $0.00

Summary & Loan Estimation

%
$
$

Estimation Breakdown

Total One-Time Startup Costs: $0.00
Total Recurring Costs (6 Months): $0.00
Subtotal Estimated Costs: $0.00
Contingency Amount (10%): $0.00

Gross Estimated Funding Needed: $0.00

Less Personal Investment: $0.00
Less Other Funding: $0.00
ESTIMATED LOAN REQUIREMENT: $0.00

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"; } return; // Stop script execution } function formatCurrency(amount) { return `$${Number(amount).toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,')}`; } function getNumericValue(element) { if (!element) return 0; const value = parseFloat(element.value); return isNaN(value) || value < 0 ? 0 : value; } function calculateAndDisplay() { // Tab 1: One-Time Costs let totalOneTimeCosts = 0; totalOneTimeCosts += getNumericValue(sleLegalFees); totalOneTimeCosts += getNumericValue(slePermitsLicenses); totalOneTimeCosts += getNumericValue(sleEquipmentPurchase); totalOneTimeCosts += getNumericValue(sleOfficeSetup); totalOneTimeCosts += getNumericValue(sleInitialInventory); totalOneTimeCosts += getNumericValue(sleBrandingDevelopment); totalOneTimeCosts += getNumericValue(sleInitialMarketing); totalOneTimeCosts += getNumericValue(sleSecurityDeposits); totalOneTimeCosts += getNumericValue(sleOtherOneTime); if (sleTotalOneTimeCostsDisplay) sleTotalOneTimeCostsDisplay.textContent = formatCurrency(totalOneTimeCosts); // Tab 2: Monthly Costs const numberOfMonths = getNumericValue(sleNumberOfMonths) || 6; // Default to 6 if invalid if (sleNumberOfMonths && (isNaN(parseFloat(sleNumberOfMonths.value)) || parseFloat(sleNumberOfMonths.value) <= 0)) { sleNumberOfMonths.value = 6; // Reset if invalid } let totalMonthlyCosts = 0; totalMonthlyCosts += getNumericValue(sleRentMortgage); totalMonthlyCosts += getNumericValue(sleSalariesWages); totalMonthlyCosts += getNumericValue(sleUtilities); totalMonthlyCosts += getNumericValue(sleSoftwareSubscriptions); totalMonthlyCosts += getNumericValue(sleOngoingMarketing); totalMonthlyCosts += getNumericValue(sleInsurance); totalMonthlyCosts += getNumericValue(sleOfficeSuppliesMonthly); totalMonthlyCosts += getNumericValue(sleOtherRecurring); const totalRecurringForPeriod = totalMonthlyCosts * numberOfMonths; if (sleTotalMonthlyCostsDisplay) sleTotalMonthlyCostsDisplay.textContent = formatCurrency(totalMonthlyCosts); if (sleNumMonthsDisplay) sleNumMonthsDisplay.textContent = numberOfMonths; if (sleTotalRecurringForPeriodDisplay) sleTotalRecurringForPeriodDisplay.textContent = formatCurrency(totalRecurringForPeriod); // Tab 3: Summary & Loan const contingencyPercentage = getNumericValue(sleContingencyPercentage) / 100; const personalInvestment = getNumericValue(slePersonalInvestment); const otherFunding = getNumericValue(sleOtherFundingSources); const subtotalCosts = totalOneTimeCosts + totalRecurringForPeriod; const contingencyAmount = subtotalCosts * contingencyPercentage; const grossFundingNeed = subtotalCosts + contingencyAmount; const totalPersonalContribution = personalInvestment + otherFunding; const estimatedLoanRequirement = Math.max(0, grossFundingNeed - totalPersonalContribution); // Ensure loan is not negative if (sleSummaryOneTimeCosts) sleSummaryOneTimeCosts.textContent = formatCurrency(totalOneTimeCosts); if (sleSummaryNumMonths) sleSummaryNumMonths.textContent = numberOfMonths; if (sleSummaryRecurringCosts) sleSummaryRecurringCosts.textContent = formatCurrency(totalRecurringForPeriod); if (sleSummarySubtotalCosts) sleSummarySubtotalCosts.textContent = formatCurrency(subtotalCosts); if (sleSummaryContingencyPerc) sleSummaryContingencyPerc.textContent = (contingencyPercentage * 100).toFixed(0); if (sleSummaryContingencyAmount) sleSummaryContingencyAmount.textContent = formatCurrency(contingencyAmount); if (sleSummaryGrossFundingNeed) sleSummaryGrossFundingNeed.textContent = formatCurrency(grossFundingNeed); if (sleSummaryPersonalInvestment) sleSummaryPersonalInvestment.textContent = formatCurrency(personalInvestment); if (sleSummaryOtherFunding) sleSummaryOtherFunding.textContent = formatCurrency(otherFunding); if (sleSummaryEstimatedLoan) sleSummaryEstimatedLoan.textContent = formatCurrency(estimatedLoanRequirement); } function switchTab(tabIndex) { tabs.forEach(tab => tab.classList.remove('active')); tabContents.forEach(content => content.classList.remove('active')); if (tabs[tabIndex]) tabs[tabIndex].classList.add('active'); if (tabContents[tabIndex]) tabContents[tabIndex].classList.add('active'); currentTab = tabIndex; if (prevBtn) prevBtn.style.display = currentTab === 0 ? 'none' : 'inline-block'; if (nextBtn) nextBtn.style.display = currentTab === tabs.length - 1 ? 'none' : 'inline-block'; calculateAndDisplay(); // Recalculate when switching tabs to update summary if needed } tabs.forEach((tab, index) => { if (tab) { // Null check tab.addEventListener('click', () => switchTab(index)); } }); if (nextBtn) { nextBtn.addEventListener('click', () => { if (currentTab < tabs.length - 1) { switchTab(currentTab + 1); } }); } if (prevBtn) { prevBtn.addEventListener('click', () => { if (currentTab > 0) { switchTab(currentTab - 1); } }); } allInputFields.forEach(input => { if (input) { // Null check input.addEventListener('input', calculateAndDisplay); input.addEventListener('change', calculateAndDisplay); // For type="number" spin buttons } }); function generatePdf() { const { jsPDF } = window.jspdf; if (!jsPDF) { alert("Error: PDF generation library (jsPDF) not loaded."); return; } const doc = new jsPDF(); // Helper for adding text and handling Y position let yPos = 20; const pageHeight = doc.internal.pageSize.height; const lineHeight = 7; const sectionSpacing = 10; const leftMargin = 15; const rightMargin = 15; const contentWidth = doc.internal.pageSize.width - leftMargin - rightMargin; function checkNewPage(neededHeight = lineHeight * 2) { if (yPos + neededHeight > pageHeight - 20) { // 20 as bottom margin doc.addPage(); yPos = 20; // Reset Y position for new page } } doc.setFontSize(18); doc.text("Startup Loan Requirement Estimation Report", doc.internal.pageSize.width / 2, yPos, { align: 'center' }); yPos += sectionSpacing * 1.5; doc.setFontSize(10); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, leftMargin, yPos); yPos += sectionSpacing; const oneTimeCostData = [ ["Legal & Registration Fees", formatCurrency(getNumericValue(sleLegalFees))], ["Permits & Licenses", formatCurrency(getNumericValue(slePermitsLicenses))], ["Initial Equipment", formatCurrency(getNumericValue(sleEquipmentPurchase))], ["Office/Store Setup", formatCurrency(getNumericValue(sleOfficeSetup))], ["Initial Inventory", formatCurrency(getNumericValue(sleInitialInventory))], ["Website & Branding", formatCurrency(getNumericValue(sleBrandingDevelopment))], ["Initial Marketing Launch", formatCurrency(getNumericValue(sleInitialMarketing))], ["Security Deposits", formatCurrency(getNumericValue(sleSecurityDeposits))], ["Other One-Time Costs", formatCurrency(getNumericValue(sleOtherOneTime))] ]; const totalOneTimeCosts = oneTimeCostData.reduce((sum, item) => sum + parseFloat(item[1].replace(/[$,]/g, '')), 0); doc.setFontSize(14); doc.text("1. One-Time Startup Costs", leftMargin, yPos); yPos += lineHeight; doc.autoTable({ startY: yPos, head: [['Item', 'Amount ($)']], body: oneTimeCostData.filter(row => parseFloat(row[1].replace(/[$,]/g, '')) > 0), // Only show items with value theme: 'striped', headStyles: { fillColor: [52, 152, 219] }, // Blue header #3498db foot: [['Total One-Time Costs', formatCurrency(totalOneTimeCosts)]], footStyles: { fontStyle: 'bold', fillColor: [236, 240, 241] }, // Light grey footer #ecf0f1 margin: { left: leftMargin, right: rightMargin } }); yPos = doc.lastAutoTable.finalY + sectionSpacing; checkNewPage(); const numberOfMonths = getNumericValue(sleNumberOfMonths) || 6; const recurringCostData = [ ["Rent/Mortgage", formatCurrency(getNumericValue(sleRentMortgage))], ["Salaries & Wages", formatCurrency(getNumericValue(sleSalariesWages))], ["Utilities", formatCurrency(getNumericValue(sleUtilities))], ["Software & Subscriptions", formatCurrency(getNumericValue(sleSoftwareSubscriptions))], ["Ongoing Marketing", formatCurrency(getNumericValue(sleOngoingMarketing))], ["Insurance", formatCurrency(getNumericValue(sleInsurance))], ["Office Supplies", formatCurrency(getNumericValue(sleOfficeSuppliesMonthly))], ["Other Recurring Costs", formatCurrency(getNumericValue(sleOtherRecurring))] ]; const totalMonthlyCosts = recurringCostData.reduce((sum, item) => sum + parseFloat(item[1].replace(/[$,]/g, '')), 0); const totalRecurringForPeriod = totalMonthlyCosts * numberOfMonths; doc.setFontSize(14); doc.text(`2. Recurring Monthly Costs (for ${numberOfMonths} months)`, leftMargin, yPos); yPos += lineHeight; doc.autoTable({ startY: yPos, head: [['Monthly Item', 'Amount ($)']], body: recurringCostData.filter(row => parseFloat(row[1].replace(/[$,]/g, '')) > 0), theme: 'striped', headStyles: { fillColor: [52, 152, 219] }, foot: [ ['Total Monthly Costs', formatCurrency(totalMonthlyCosts)], [`Total for ${numberOfMonths} Months`, formatCurrency(totalRecurringForPeriod)] ], footStyles: { fontStyle: 'bold', fillColor: [236, 240, 241] }, margin: { left: leftMargin, right: rightMargin } }); yPos = doc.lastAutoTable.finalY + sectionSpacing; checkNewPage(); doc.setFontSize(14); doc.text("3. Funding Summary & Loan Estimation", leftMargin, yPos); yPos += lineHeight; const subtotalCosts = totalOneTimeCosts + totalRecurringForPeriod; const contingencyPercentageVal = getNumericValue(sleContingencyPercentage); const contingencyAmount = subtotalCosts * (contingencyPercentageVal / 100); const grossFundingNeed = subtotalCosts + contingencyAmount; const personalInvestmentVal = getNumericValue(slePersonalInvestment); const otherFundingVal = getNumericValue(sleOtherFundingSources); const totalPersonalContribution = personalInvestmentVal + otherFundingVal; const estimatedLoanRequirement = Math.max(0, grossFundingNeed - totalPersonalContribution); const summaryData = [ ["Total One-Time Startup Costs:", formatCurrency(totalOneTimeCosts)], [`Total Recurring Costs (${numberOfMonths} Months):`, formatCurrency(totalRecurringForPeriod)], ["Subtotal Estimated Costs:", formatCurrency(subtotalCosts)], [`Contingency Amount (${contingencyPercentageVal}%):`, formatCurrency(contingencyAmount)], ["Gross Estimated Funding Needed:", formatCurrency(grossFundingNeed)], ["Less Personal Investment:", formatCurrency(personalInvestmentVal)], ["Less Other Funding Sources:", formatCurrency(otherFundingVal)], ["ESTIMATED LOAN REQUIREMENT:", formatCurrency(estimatedLoanRequirement)] ]; doc.autoTable({ startY: yPos, body: summaryData, theme: 'grid', // Grid theme for summary styles: { fontSize: 10 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: contentWidth * 0.6 }, 1: { halign: 'right', cellWidth: contentWidth * 0.4 } }, didParseCell: function (data) { if (data.row.index === summaryData.length - 1) { // Last row (Estimated Loan) data.cell.styles.fontStyle = 'bold'; data.cell.styles.fontSize = 12; data.cell.styles.textColor = [200, 0, 0]; // Reddish color for emphasis } }, margin: { left: leftMargin, right: rightMargin } }); doc.save('Startup_Loan_Estimation.pdf'); } if (slePdfDownloadButton) { slePdfDownloadButton.addEventListener('click', generatePdf); } // Initial setup switchTab(0); // Show first tab calculateAndDisplay(); // Initial calculation });
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