Ashon-G · April 7, 2024 03:52
diff --git a/index.html b/index.html
 <style>
 .container {
    max-width: 400px;
    margin: 50px auto;
    padding: 20px;
    border: 1px solid #ccc;
    border-radius: 5px;
 }

 label {
    display: block;
    margin-bottom: 5px;
 }

 input {
    width: 100%;
    padding: 8px;
    margin-bottom: 10px;
 }

 button {
    width: 100%;
    padding: 10px;
    background-color: #007bff;
    color: #fff;
    border: none;
    border-radius: 5px;
    cursor: pointer;
 }

 button:hover {
    background-color: #0056b3;
 }
 </style>
    <title>Funding Calculator</title>
    <link rel="stylesheet" href="styles.css">
 </head>
 <body>
    <div class="container">
        <h1>Funding Calculator</h1>
        <div>
            <label for="mrr">Monthly Recurring Revenue (MRR) in dollars:</label>
            <input type="number" id="mrr" required>
        </div>
        <div>
            <label for="credit-score">Credit Score:</label>
            <input type="number" id="credit-score" required>
        </div>
        <button onclick="calculateFunding()">Calculate Funding</button>
        <p id="result"></p>
    </div>
diff --git a/script.js b/script.js
 <script>
  function formatCurrency(number) {
    return '$' + number.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
 }

 function calculateFunding() {
    var mrrInput = document.getElementById('mrr');
    var creditScoreInput = document.getElementById('credit-score');
    
    var mrr = parseFloat(mrrInput.value.replace(/[^\d.]/g, ''));
    var creditScore = parseInt(creditScoreInput.value.replace(/[^\d]/g, ''));

    var baseFunding = 17000;
    var extraFundingPer1k = 800;

    if (isNaN(mrr) || mrr < 20000 || creditScore < 600) {
        document.getElementById('result').textContent = "Business does not meet minimum MRR requirement or minimum credit score.";
        return;
    }

    // Apply credit score adjustments
    var creditMultiplier = 1;
    if (creditScore >= 600 && creditScore <= 650) {
        creditMultiplier = 0.5; // Cut funding in half
    } else if (creditScore >= 651 && creditScore <= 700) {
        creditMultiplier = 0.75; // Cut funding by 25%
    } else if (creditScore >= 751 && creditScore <= 850) {
        creditMultiplier = 1.1; // Increase funding by 10%
    }

    // Calculate total funding
    var aboveMinimum = Math.max(mrr - 20000, 0);
    var extraFunding = Math.floor(aboveMinimum / 1000) * extraFundingPer1k;
    var totalFunding = baseFunding * creditMultiplier + extraFunding;

    // Calculate loan term
    var loanTerm;
    if (totalFunding >= 100000 && totalFunding < 1000000) {
        loanTerm = 5; // 5-year payback for 6-digit amounts
    } else if (totalFunding >= 1000000 && totalFunding < 10000000) {
        loanTerm = 8; // 8-year payback for 7-digit amounts
    } else {
        loanTerm = 2; // 2-year payback for all other amounts
    }

    // Generate amortization schedule with dynamic monthly interest rate
    var monthlyInterestRate = getInterestRate(creditScore) / 12;
    var schedule = calculateAmortizationSchedule(totalFunding, monthlyInterestRate, loanTerm);

    // Display the calculated funding amount and amortization schedule
    var resultText = "The business can receive " + formatCurrency(totalFunding) + " in funding with a " + loanTerm + "-year payback period.\n";
    resultText += "<table><tr><th>Year</th><th>Payment</th><th>Principal</th><th>Interest</th><th>Balance</th></tr>";
    for (var i = 0; i < schedule.length; i++) {
        resultText += "<tr><td>" + schedule[i].year + "</td><td>" + formatCurrency(schedule[i].payment) + "</td><td>" + formatCurrency(schedule[i].principal) + "</td><td>" + formatCurrency(schedule[i].interest) + "</td><td>" + formatCurrency(schedule[i].balance) + "</td></tr>";
    }
    resultText += "</table>";
    document.getElementById('result').innerHTML = resultText;
 }

 function getInterestRate(creditScore) {
    if (creditScore >= 600 && creditScore <= 620) {
        return 0.20; // 20% interest rate
    } else if (creditScore >= 621 && creditScore <= 640) {
        return 0.17; // 17% interest rate
    } else if (creditScore >= 641 && creditScore <= 660) {
        return 0.14; // 14% interest rate
    } else if (creditScore >= 661 && creditScore <= 680) {
        return 0.11; // 11% interest rate
    } else if (creditScore >= 681) {
        return 0.09; // 9% interest rate
    }
 }

 function calculateAmortizationSchedule(totalFunding, monthlyInterestRate, loanTerm) {
    var schedule = [];
    var remainingBalance = totalFunding;

    for (var i = 1; i <= loanTerm * 12; i++) {
        var monthlyPayment = calculateMonthlyPayment(remainingBalance, monthlyInterestRate, loanTerm * 12 - i + 1);
        var interest = remainingBalance * monthlyInterestRate;
        var principal = monthlyPayment - interest;
        remainingBalance -= principal;

        schedule.push({
            year: Math.ceil(i / 12),
            payment: monthlyPayment,
            principal: principal,
            interest: interest,
            balance: remainingBalance
        });

        if (remainingBalance <= 0) {
            break;
        }
    }

    return schedule;
 }

 function calculateMonthlyPayment(remainingBalance, monthlyInterestRate, numberOfPayments) {
    var monthlyPayment = remainingBalance * (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, numberOfPayments)) / (Math.pow(1 + monthlyInterestRate, numberOfPayments) - 1);
    return monthlyPayment;
 }
 </script>
diff --git a/style.css b/style.css
 <style>
 .container {
    max-width: 400px;
    margin: 50px auto;
    padding: 20px;
    border: 1px solid #ccc;
    border-radius: 5px;
 }

 label {
    display: block;
    margin-bottom: 5px;
 }

 input {
    width: 100%;
    padding: 8px;
    margin-bottom: 10px;
 }

 button {
    width: 100%;
    padding: 10px;
    background-color: #007bff;
    color: #fff;
    border: none;
    border-radius: 5px;
    cursor: pointer;
 }

 button:hover {
    background-color: #0056b3;
 }
 </style>
diff --git a/styles b/styles
 <link href="https://cdnjs.cloudflare.com/ajax/libs/mdb-ui-kit/7.2.0/mdb.min.css" rel="stylesheet" />
diff --git a/wnwzryd.markdown b/wnwzryd.markdown
	<style>
	.container {
	max-width: 400px;
	margin: 50px auto;
	padding: 20px;
	border: 1px solid #ccc;
	border-radius: 5px;
	}

	label {
	display: block;
	margin-bottom: 5px;
	}

	input {
	width: 100%;
	padding: 8px;
	margin-bottom: 10px;
	}

	button {
	width: 100%;
	padding: 10px;
	background-color: #007bff;
	color: #fff;
	border: none;
	border-radius: 5px;
	cursor: pointer;
	}

	button:hover {
	background-color: #0056b3;
	}
	</style>
	<title>Funding Calculator</title>
	<link rel="stylesheet" href="styles.css">
	</head>
	<body>
	<div class="container">
	<h1>Funding Calculator</h1>
	<div>
	<label for="mrr">Monthly Recurring Revenue (MRR) in dollars:</label>
	<input type="number" id="mrr" required>
	</div>
	<div>
	<label for="credit-score">Credit Score:</label>
	<input type="number" id="credit-score" required>
	</div>
	<button onclick="calculateFunding()">Calculate Funding</button>
	<p id="result"></p>
	</div>
	<script>
	function formatCurrency(number) {
	return '$' + number.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
	}

	function calculateFunding() {
	var mrrInput = document.getElementById('mrr');
	var creditScoreInput = document.getElementById('credit-score');

	var mrr = parseFloat(mrrInput.value.replace(/[^\d.]/g, ''));
	var creditScore = parseInt(creditScoreInput.value.replace(/[^\d]/g, ''));

	var baseFunding = 17000;
	var extraFundingPer1k = 800;

	if (isNaN(mrr) \|\| mrr < 20000 \|\| creditScore < 600) {
	document.getElementById('result').textContent = "Business does not meet minimum MRR requirement or minimum credit score.";
	return;
	}

	// Apply credit score adjustments
	var creditMultiplier = 1;
	if (creditScore >= 600 && creditScore <= 650) {
	creditMultiplier = 0.5; // Cut funding in half
	} else if (creditScore >= 651 && creditScore <= 700) {
	creditMultiplier = 0.75; // Cut funding by 25%
	} else if (creditScore >= 751 && creditScore <= 850) {
	creditMultiplier = 1.1; // Increase funding by 10%
	}

	// Calculate total funding
	var aboveMinimum = Math.max(mrr - 20000, 0);
	var extraFunding = Math.floor(aboveMinimum / 1000) * extraFundingPer1k;
	var totalFunding = baseFunding * creditMultiplier + extraFunding;

	// Calculate loan term
	var loanTerm;
	if (totalFunding >= 100000 && totalFunding < 1000000) {
	loanTerm = 5; // 5-year payback for 6-digit amounts
	} else if (totalFunding >= 1000000 && totalFunding < 10000000) {
	loanTerm = 8; // 8-year payback for 7-digit amounts
	} else {
	loanTerm = 2; // 2-year payback for all other amounts
	}

	// Generate amortization schedule with dynamic monthly interest rate
	var monthlyInterestRate = getInterestRate(creditScore) / 12;
	var schedule = calculateAmortizationSchedule(totalFunding, monthlyInterestRate, loanTerm);

	// Display the calculated funding amount and amortization schedule
	var resultText = "The business can receive " + formatCurrency(totalFunding) + " in funding with a " + loanTerm + "-year payback period.\n";
	resultText += "<table><tr><th>Year</th><th>Payment</th><th>Principal</th><th>Interest</th><th>Balance</th></tr>";
	for (var i = 0; i < schedule.length; i++) {
	resultText += "<tr><td>" + schedule[i].year + "</td><td>" + formatCurrency(schedule[i].payment) + "</td><td>" + formatCurrency(schedule[i].principal) + "</td><td>" + formatCurrency(schedule[i].interest) + "</td><td>" + formatCurrency(schedule[i].balance) + "</td></tr>";
	}
	resultText += "</table>";
	document.getElementById('result').innerHTML = resultText;
	}

	function getInterestRate(creditScore) {
	if (creditScore >= 600 && creditScore <= 620) {
	return 0.20; // 20% interest rate
	} else if (creditScore >= 621 && creditScore <= 640) {
	return 0.17; // 17% interest rate
	} else if (creditScore >= 641 && creditScore <= 660) {
	return 0.14; // 14% interest rate
	} else if (creditScore >= 661 && creditScore <= 680) {
	return 0.11; // 11% interest rate
	} else if (creditScore >= 681) {
	return 0.09; // 9% interest rate
	}
	}

	function calculateAmortizationSchedule(totalFunding, monthlyInterestRate, loanTerm) {
	var schedule = [];
	var remainingBalance = totalFunding;

	for (var i = 1; i <= loanTerm * 12; i++) {
	var monthlyPayment = calculateMonthlyPayment(remainingBalance, monthlyInterestRate, loanTerm * 12 - i + 1);
	var interest = remainingBalance * monthlyInterestRate;
	var principal = monthlyPayment - interest;
	remainingBalance -= principal;

	schedule.push({
	year: Math.ceil(i / 12),
	payment: monthlyPayment,
	principal: principal,
	interest: interest,
	balance: remainingBalance
	});

	if (remainingBalance <= 0) {
	break;
	}
	}

	return schedule;
	}

	function calculateMonthlyPayment(remainingBalance, monthlyInterestRate, numberOfPayments) {
	var monthlyPayment = remainingBalance * (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, numberOfPayments)) / (Math.pow(1 + monthlyInterestRate, numberOfPayments) - 1);
	return monthlyPayment;
	}
	</script>