[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_106":107,"_108":109},"routes/embed.x.$handle.$name.$",{"_9":10,"_11":12,"_13":14,"_15":16,"_17":18,"_19":20,"_21":-5},"handle","uttiyam","name","IDfy_Prop","path","MSME-lending-PHL/profileiq_payload_c.ts","project",{"_22":48,"_11":12,"_35":49,"_50":-5,"_51":44,"_52":53,"_54":53,"_55":56,"_57":-5,"_58":59,"_60":61,"_62":34,"_63":-5,"_64":-5,"_65":66,"_67":68,"_69":-5,"_70":-5,"_71":-5,"_72":-5,"_73":74,"_75":74,"_76":77,"_78":77,"_79":77,"_80":74,"_81":74,"_82":83,"_84":85,"_86":87,"_88":44},"file",{"_22":23,"_11":24,"_25":26,"_27":28,"_29":30,"_31":32,"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":-5,"_13":46},"permalink","https://www.val.town/x/uttiyam/IDfy_Prop/code/MSME-lending-PHL/profileiq_payload_c.ts","extension","id","50c535c1-fc0d-481c-9902-0b5dd30cbad1","profileiq_payload_c.ts","fileId","e50b95f6-b007-11f1-aad5-1607ee4eb77e","parentId","e1b0657c-b006-11f1-8c10-1607ee4eb77e","branchId","df48c4e7-05fa-432b-a459-74b0de46b89d","branchVersion",189,"latest",true,"createdAt",["D",1789532570159],"version",9,"fileType","http","content","/**\n * ProfileIQ MY — APP_HTML_C (plain text, part 3/5).\n */\nexport const APP_HTML_C =\n ` const t=INCOME_TEMPLATES.find(x=>x.category.toLowerCase()===cat.trim().toLowerCase());\n if(t){\n if(cogs) t.cogs=Number(cogs)/100;\n if(haircut) t.haircut=Number(haircut)/100;\n if(staff) t.staffRevenue=Number(staff);\n if(method) t.method=method.trim();\n }\n });\n toast('Loaded '+lines.length+' templates');\n paintAdmin();\n };\n r.readAsText(file);\n}\nfunction pv(k,m){const v=S.answers[k]; return v&&m[v]!=null?m[v]:null;}\nconst _ST={'Just me':1,'2 to 4':3,'5 to 10':7,'More than 10':14};\nfunction assessedRevenue(){\n const cat=currentCategory(); if(!cat) return null;\n const n=cat.name, sN=pv('staff',_ST), d=28;\n let R=null,C=0,H=0,M='';\n if(n==='Food service'){const s=pv('seats',{'No seating, takeaway':0,'Under 10':7,'10 to 30':20,'More than 30':40});\n if(s!=null){const dl=pv('delivery',{'No':0,'Just started':2500,'Regularly':6500,'It is most of our sales':16000})||0;R=s*2*18*d+dl;C=.38;H=.10;M='covers';}}\n else if(n==='Bakery'){const b=pv('bake',{'One':1,'Two':2,'Three or more':3,'Continuous':4});if(b!=null){R=b*650*d;C=.40;H=.10;M='bakes/day';}}\n else if(n==='Grocery and convenience'){const s=pv('stockvalue',{'Under 4,000':3e3,'4,000 to 12,000':8e3,'12,000 to 33,000':22e3,'More than 33,000':42e3});if(s!=null){R=s*2.5;C=.78;H=.10;M='stock-turn';}}\n else if(n==='Pharmacy'){if(sN){R=sN*1e4;C=.72;H=.05;M='staff-productivity';}}\n else if(n==='Automotive'){const b=pv('bays',{'One':1,'Two or three':2.5,'Four or five':4.5,'More than five':7}),j=pv('jobs',{'Under 10':8,'10 to 25':17,'25 to 50':37,'More than 50':60});if(b||j){R=(j||(b?b*5:10))*4.3*290;C=.55;H=.10;M='bay-capacity';}}\n else if(n==='Personal care'){const c=pv('chairs',{'1 or 2':1.5,'3 to 5':4,'6 to 10':8,'More than 10':14});if(c!=null){R=c*3.5*30*d;C=.15;H=.08;M='chair-utilization';}}\n else if(n==='Accommodation'){const rm=pv('rooms',{'Under 5':3,'5 to 15':10,'15 to 40':27,'More than 40':50}),oc=pv('occupancy',{'Under a quarter':.22,'About half':.5,'Around three quarters':.72,'Nearly full':.88});if(rm!=null&&oc!=null){R=rm*oc*100*30;C=.20;H=.15;M='room-occupancy';}}\n else if(n==='Logistics and storage'){const f=pv('fleet',{'One':1,'2 to 4':3,'5 to 10':7,'More than 10':14});if(f!=null){R=f*6500;C=.45;H=.10;M='fleet';}}\n else if(n==='Transport'){const f=pv('fleet',{'One':1,'2 to 4':3,'5 to 10':7,'More than 10':14}),\n tr=pv('trips',{'Under 5':3,'5 to 10':7,'10 to 20':15,'More than 20':25});\n if(f!=null){R=f*(tr||8)*180*d;C=.45;H=.10;M='fleet';}}\n else if(n==='Agriculture and fishing'){const cyc=pv('harvest',{'Weekly':4.3,'Monthly':1,'Every season (3-4 months)':.3,'Once a year':.083});\n if(cyc!=null&&sN){R=sN*5000*cyc*d/4.3;C=.50;H=.20;M='harvest-cycle';}}\n else if(n==='Manufacturing / Export'){\n const heads = pv('headcount',{'Under 10':7,'10 to 30':20,'30 to 100':60,'More than 100':140}) || sN;\n const backlog = pv('po_backlog',{'Under \\\\u20b1500k':300000,'\\\\u20b1500k to 2M':1100000,\n '\\\\u20b12M to 10M':5500000,'More than \\\\u20b110M':12000000}) || 0;\n if(heads || backlog){\n /* per-head revenue plus a fraction of the current PO backlog turned into monthly */\n R = (heads*9500) + (backlog/6); C=.68; H=.12; M='staff-productivity';\n }\n }\n else{const sv={'Under 25,000':16e3,'25,000 to 60,000':42e3,'60,000 to 125,000':90e3,'More than 125,000':165e3,\n 'Under 16,000':1e4,'16,000 to 42,000':28e3,'42,000 to 80,000':60e3,'More than 80,000':105e3,\n 'Under 8,000':5e3,'8,000 to 25,000':16e3,'More than 60,000':70e3};\n const s=pv('stockvalue',sv);if(s!=null){const t=n==='Electronics and appliances'?1.2:n==='Apparel and footwear'?1:n==='General merchandise'?2:1.5;\n C=n==='Electronics and appliances'?.75:n==='Apparel and footwear'?.55:n==='General merchandise'?.70:.70;H=n==='Apparel and footwear'?.15:.10;R=s*t;M='stock-turn';}}\n if(!R&&sN){const tpl=INCOME_TEMPLATES.find(t=>t.category===n);R=sN*(tpl?tpl.staffRevenue:7e3);C=.50;H=.12;M='staff-fallback';}\n if(!R) return null;\n const tpl=INCOME_TEMPLATES.find(t=>t.category===n);\n if(tpl){C=tpl.cogs;H=tpl.haircut;}\n return {rev:Math.round(R),cogs:C,haircut:H,assessed:Math.round(R*(1-H)),method:M,category:n};\n}\nfunction currentCategory(){\n const top=(S.shopai&&(S.shopai.mcc_candidates||[])[0])||null;\n return top?mccFor(top.code):null;\n}\n\nfunction money(){\n const declared = num(S.sources.declared);\n const bs = S.docs.bank && S.docs.bank.summary;\n const bankAvg = num(DOCX.val('bank','average_monthly_credits'))\n ?? (bs && num(bs.average_monthly_credits))\n ?? (bs && bs.total_credits!=null && bs.months_covered\n ? num(bs.total_credits)/num(bs.months_covered) : null);\n const taxAnnual= num(DOCX.val('tax','gross_sales'));\n const taxMonthly = taxAnnual!=null ? taxAnnual/12 : null;\n\n const opsEst = assessedRevenue();\n const opsMonthly = opsEst ? opsEst.assessed : null;\n\n const reads = [\n {label:'Declared by the merchant', value:declared, src:'application'},\n {label:'Bank statement credits', value:bankAvg, src:'bank statement'},\n {label:'Calculated from operations', value:opsMonthly, src:'operational estimate',\n detail:opsEst?opsEst.method+' · '+opsEst.category:''}\n ].filter(r=>r.value!=null);\n\n /* show bank as pending if not yet available */\n const bankPending = !bankAvg && (S.docBusy==='bank' || (S.docs.bank && !S.docs.bank.error));\n if(bankPending && !reads.find(r=>r.src==='bank statement'))\n reads.push({label:'Bank statement credits', value:null, src:'bank statement', pending:true});\n\n const evidenced = reads.filter(r=>r.src!=='application').map(r=>r.value);\n const verified = evidenced.length ? Math.min(...evidenced) : null;\n const variancePct = (declared!=null && verified!=null && declared>0)\n ? Math.round(((declared-verified)/declared)*1000)/10 : null;\n\n /* capacity: 15% of verified monthly inflow can service debt */\n const service = verified!=null ? verified*0.15 : null;\n const tenure = S.tenure || 12;\n const capacity = service!=null ? Math.floor(service*tenure/1000)*1000 : null;\n const approve = capacity!=null ? Math.min(S.ask, capacity) : null;\n const monthly = approve!=null ? Math.round(approve/tenure) : null;\n const dbr = (monthly!=null && verified) ? Math.round((monthly/verified)*1000)/10 : null;\n\n return {declared, verified, reads, variancePct, capacity, approve, monthly, dbr,\n tenure, ask:S.ask, sized: approve!=null};\n}\n\n/* =====================================================================\n RISK — five axes. A signal only exists when evidence produced it.\n ===================================================================== */\nconst RISK = {\n weight:{identity:.20, financial:.35, operational:.25, legal:.12, reputational:.08},\n axes:{\n identity:{label:'Identity & UBO', color:'#1C43B9', agent:'Identity Risk Agent',\n roster:{id_document:3, id_source_match:3, name_consistency:2, owner_on_certificate:2,\n account_holder_match:2, card_authentic:2, card_live:1, face_on_card:1, card_readable:1}},\n financial:{label:'Financial & Credit', color:'#12803F', agent:'Credit Risk Agent',\n roster:{bank_statement:3, turnover_reconciled:3, tax_filed:2, variance_within_threshold:3,\n debt_burden:2, closing_balance:1,\n statement_depth:2, statement_complete:2, inflow_stability:2, income_regularity:2,\n obligation_discipline:1, balance_cushion:2, returned_items:1, inflow_concentration:1,\n declaration_matches:3, declared_inflow_honest:3, existing_obligations:2, paid_up_capital:1,\n remittance_pattern:2,\n export_concentration:2, export_market_risk:2, customer_concentration:2, payment_terms_risk:1, input_cost_structure:1}},\n operational:{label:'Operational', color:'#B96A05', agent:'Operational Risk Agent',\n roster:{premises_fixed:2, signage:2, inventory:2, counter:1, mcc_identified:3,\n subtype_confirmed:1, digital_footprint:1,\n business_vintage:3, premises_tenure:2, supplier_credit:2, digital_payments:2, staff_scale:1,\n barangay_permit:2, seasonal_resilience:2,\n export_volume:1, factory_activity:2, workforce_verification:2, supplier_terms:2,\n headcount_crosscheck:2, client_concentration:2}},\n legal:{label:'Legal', color:'#0B6BA8', agent:'Legal Risk Agent',\n roster:{registration_read:3, registry_verified:3, tin_present:2, permit_on_file:2, policy_hard_rules:2,\n moa_on_file:2, shareholding_disclosed:2, aoa_on_file:1, board_resolution_on_file:2}},\n reputational:{label:'Reputational', color:'#7C3AED', agent:'Screening Agent',\n roster:{aml:3, pep:2, adverse_media:2}}\n },\n signals:{}, detail:{}, log:[],\n\n emit(axis,id,v,label,note){\n const ax=this.axes[axis]; if(!ax || !(id in ax.roster)) return;\n v=Math.max(0,Math.min(1,v));\n this.signals[axis]=this.signals[axis]||{};\n const prev=this.signals[axis][id];\n if(prev===v) return;\n this.signals[axis][id]=v;\n this.detail[axis]=this.detail[axis]||{};\n this.detail[axis][id]={label:label||id, note:note||'', v, at:Date.now()};\n this.log.unshift({axis,id,label:label||id,note:note||'',v,at:Date.now()});\n if(this.log.length>60) this.log.pop();\n paintScore();\n },\n score(axis){\n const ax=this.axes[axis], got=this.signals[axis]||{};\n let tot=0, earned=0;\n for(const k in ax.roster){ tot+=ax.roster[k]; earned += ax.roster[k]*(got[k]||0); }\n return tot ? (earned/tot)*100 : 0;\n },\n composite(){ let s=0; for(const a in this.axes) s += this.score(a)*this.weight[a]; return s; },\n coverage(){ let got=0,tot=0; for(const a in this.axes){\n const r=this.axes[a].roster, g=this.signals[a]||{};\n for(const k in r){ tot++; if(k in g) got++; } } return {got,tot}; },\n count(){ return this.coverage().got; },\n gaps(axis){\n const ax=this.axes[axis], got=this.signals[axis]||{}, out=[];\n for(const k in ax.roster){\n if(!(k in got)) out.push({id:k,w:ax.roster[k],state:'no evidence'});\n else if(got[k]<0.7) out.push({id:k,w:ax.roster[k],state:'weak',v:got[k]});\n }\n return out.sort((a,b)=>b.w-a.w);\n },\n band(){\n const c=this.composite(), cov=this.coverage();\n if(cov.got < 6) return {t:'Not yet assessable', c:'#6B7280', k:'n',\n d:'Too little evidence on file to put a number on this case.'};\n const pe = S.policyEval;\n if(pe && pe.hardFail) return {t:'Declined by policy', c:'#C0392B', k:'r',\n d:'A hard rule in the uploaded credit policy has failed.'};\n if(c>=80) return {t:'Approve', c:'#12803F', k:'g', d:'Evidence supports the facility as sized.'};\n if(c>=60) return {t:'Approve with conditions', c:'#B96A05', k:'a',\n d:'Supportable once the open items below are cleared.'};\n if(c>=40) return {t:'Refer to underwriter', c:'#B96A05', k:'a',\n d:'Material gaps remain; a human should look at this.'};\n return {t:'Decline', c:'#C0392B', k:'r', d:'The evidence does not support the facility requested.'};\n },\n reset(){ this.signals={}; this.detail={}; this.log=[]; }\n};\n\n/* ---------- evidence → signals ---------- */\nfunction signalsFromDoc(key){\n const d=S.docs[key]; if(!d) return;\n const ok = f => { const x=(d.fields||[]).find(y=>y.key===f); return x && x.value && x.state!=='missing'; };\n const src = DOCSPEC[key].label + (d.engine?' · '+d.engine:'');\n if(key==='registration'){\n if(ok('company_name')) RISK.emit('legal','registration_read',1,'Certificate read: '+DOCX.val('registration','company_name'),src);\n /* Cross-check company name on DTI/DTI/SEC Certificate against the applicant name */\n if(ok('company_name')) RISK.emit('identity','owner_on_certificate',1,\n 'Company on DTI/SEC Certificate: '+DOCX.val('registration','company_name'),src);\n const ssmId = DOCX.val('registration','old_id_number') || DOCX.val('registration','new_id_number');\n if(ssmId) RISK.emit('legal','registration_read',1,'Registration number: '+ssmId,src);\n }\n if(key==='bir'){\n if(ok('tin')) RISK.emit('legal','tin_present',1,'TIN: '+DOCX.val('bir','tin'),src);\n if(ok('taxpayer_name')) RISK.emit('identity','name_consistency',\n sameName(DOCX.val('bir','taxpayer_name'), S.name)?1:.5,'Taxpayer: '+DOCX.val('bir','taxpayer_name'),src);\n }\n if(key==='permit') RISK.emit('legal','permit_on_file',.5,'Permit filed, not read','blind capture · manual review');\n if(key==='bank'){\n if(ok('average_monthly_credits')) RISK.emit('financial','bank_statement',1,\n 'Average monthly credits '+peso(num(DOCX.val('bank','average_monthly_credits'))),src);\n if(ok('closing_balance')) RISK.emit('financial','closing_balance',1,'Closing balance '+DOCX.val('bank','closing_balance'),src);\n if(ok('account_holder')) RISK.emit('identity','account_holder_match',\n sameName(DOCX.val('bank','account_holder'), S.name)?1:.4,\n 'Account holder: '+DOCX.val('bank','account_holder'),src);\n }\n if(key==='tax'){\n if(ok('gross_sales')) RISK.emit('financial','tax_filed',1,'Gross sales '+DOCX.val('tax','gross_sales'),src);\n }\n if(key==='moa'){\n if(ok('company_name')) RISK.emit('legal','moa_on_file',1,'MoA for '+DOCX.val('moa','company_name'),src);\n if(ok('shareholders')) RISK.emit('legal','shareholding_disclosed',1,'Shareholding: '+DOCX.val('moa','shareholders'),src);\n if(ok('paid_up_capital')) RISK.emit('financial','paid_up_capital',1,'Paid-up: '+DOCX.val('moa','paid_up_capital'),src);\n }\n if(key==='aoa'){\n if(ok('company_name')) RISK.emit('legal','aoa_on_file',1,'AoA for '+DOCX.val('aoa','company_name'),src);\n }\n if(key==='board_resolution'){\n if(ok('authorised_signatory')) RISK.emit('legal','board_resolution_on_file',1,'Authorised: '+DOCX.val('board_resolution','authorised_signatory'),src);\n }\n recomputeMoneySignals();\n}\nfunction sameName(a,b){\n if(!a||!b) return false;\n const n=s=>String(s).toLowerCase().replace(/[^a-z ]/g,'').split(/\\\\s+/).filter(x=>x.length>2);\n const A=n(a), B=n(b);\n return B.some(x=>A.includes(x));\n}\nfunction recomputeMoneySignals(){\n const m=money();\n if(m.verified!=null) RISK.emit('financial','turnover_reconciled',1,\n 'Turnover reconciled to '+peso(m.verified)+' a month','lowest evidenced read of '+m.reads.length);\n if(m.variancePct!=null) RISK.emit('financial','variance_within_threshold',\n Math.abs(m.variancePct)<=10?1:Math.abs(m.variancePct)<=25?.5:.2,\n 'Declared sits '+m.variancePct+'% above verified','declared vs evidenced');\n if(m.dbr!=null) RISK.emit('financial','debt_burden', m.dbr<=15?1:m.dbr<=25?.6:.25,\n 'Debt-burden ratio '+m.dbr+'%','instalment vs verified inflow');\n}\nfunction signalsFromShop(){\n const s=S.shopai; if(!s) return;\n const src='ShopAI · '+s.engine;\n RISK.emit('operational','premises_fixed', s.premises==='fixed'?1:s.premises==='movable'?.3:.5,\n 'Premises appear '+(s.premises||'unclear'),src);\n RISK.emit('operational','signage', s.signage_type==='permanent'?1:s.signage_visible?.5:.2,\n 'Signage: '+(s.signage_type||'none'),src);\n RISK.emit('operational','inventory', s.inventory_visible?(s.inventory_density==='dense'?1:.7):.2,\n 'Inventory '+(s.inventory_visible?(s.inventory_density||'visible'):'not visible'),src);\n RISK.emit('operational','counter', s.counter_or_pos_visible?1:.3,\n s.counter_or_pos_visible?'Counter or POS visible':'No counter visible',src);\n const top=(s.mcc_candidates||[])[0];\n if(top) RISK.emit('operational','mcc_identified', Math.max(.3,Number(top.confidence)||.6),\n 'MCC '+top.code+' · '+top.label, src+' · confidence '+Math.round((Number(top.confidence)||0)*100)+'%');\n}\nfunction signalsFromQuestions(){\n const a=S.answers, src='merchant questionnaire';\n if(a.years) RISK.emit('operational','business_vintage',\n a.years==='More than 7 years'?1:a.years==='3 to 7 years'?.8:a.years==='1 to 3 years'?.5:.2,\n 'Trading '+a.years.toLowerCase(),src);\n if(a.premises||a.lease) RISK.emit('operational','premises_tenure',\n a.premises==='I own it'||a.premises==='Family property'?1:\n a.lease==='More than 3 years'?.8:a.lease==='1 to 3 years'?.6:a.lease==='Under a year'?.3:.5,\n (a.premises||'Unknown')+', lease '+(a.lease||'not stated'),src);\n if(a.suppliers) RISK.emit('operational','supplier_credit',\n a.suppliers==='60 days or more'?1:a.suppliers==='30 days'?.8:a.suppliers==='7 days'?.5:.2,\n 'Supplier terms: '+a.suppliers.toLowerCase(),src);\n if(a.digital) RISK.emit('operational','digital_payments',\n a.digital==='Most of it'?1:a.digital==='About half'?.7:a.digital==='About a quarter'?.4:.15,\n 'Digital payments: '+a.digital.toLowerCase(),src);\n if(a.staff) RISK.emit('operational','staff_scale',\n a.staff==='More than 10'?1:a.staff==='5 to 10'?.8:a.staff==='2 to 4'?.5:.3,\n a.staff+' people',src);\n if(a.otherloan) RISK.emit('financial','existing_obligations',\n a.otherloan==='No'?1:a.otherloan==='One'?.6:a.otherloan==='Two'?.3:.1,\n 'Existing loans: '+a.otherloan.toLowerCase(),src);\n /* PH-specific: barangay business permit */\n if(a.permitname) RISK.emit('operational','barangay_permit',\n a.permitname==='The business'?1:a.permitname==='My own name'?.8:a.permitname==='A family member'?.4:.2,\n 'Permit under: '+a.permitname.toLowerCase(),src);\n /* PH-specific: seasonal resilience — Christmas/Holy Week/BTS are major PH demand spikes */\n if(a.seasonal) RISK.emit('operational','seasonal_resilience',\n a.seasonal==='About the same all year'||a.seasonal==='Not much'?1:\n a.seasonal==='Noticeably'?.7:a.seasonal==='They double'?.5:.3,\n 'Seasonal swing: '+a.seasonal.toLowerCase()+' — '+\n (a.seasonal==='More than double'?'high working capital spike risk':'manageable'),src);\n}\n\nfunction signalsFromManufacturing(){\n const src='manufacturing assessment';\n /* Export concentration risk from questions */\n const ep=S.answers.export_pct;\n if(ep) RISK.emit('financial','export_concentration',\n ep==='None'?1:ep==='Under 25%'?.8:ep==='25% to 50%'?.5:.25,\n 'Export share: '+ep+(ep==='More than 50%'?' — HIGH single-market dependency':''),src);\n /* Mock signals from documents if they exist */\n if(S.docs.customs_declaration&&!S.docs.customs_declaration.error){\n const cd=MOCK_MANUFACTURING.customs_declaration;\n RISK.emit('financial','export_market_risk',.3,\n 'Primary destination: '+cd.export_destination+' — tariff-exposed market',src);\n RISK.emit('operational','export_volume',1,\n 'H1 2026 exports: \\u20b1'+cd.export_value,src);\n }\n if(S.docs.purchase_order&&!S.docs.purchase_order.error){\n const po=MOCK_MANUFACTURING.purchase_order;\n RISK.emit('financial','customer_concentration',.4,\n 'Single PO from '+po.buyer_name+': \\u20b1'+po.po_value+' — customer dependency risk',src);\n RISK.emit('financial','payment_terms_risk', po.payment_terms==='Net 60'?.5:po.payment_terms==='Net 90'?.3:.7,\n 'Payment terms: '+po.payment_terms+' — '+(Number(po.payment_terms?.match(/\\\\d+/)?.[0])>45?'extended terms pressure cash flow':'acceptable'),src);\n }\n if(S.docs.utility_bill&&!S.docs.utility_bill.error){\n const ub=MOCK_MANUFACTURING.utility_bill;\n RISK.emit('operational','factory_activity',1,\n 'Factory consumption: '+ub.consumption_kwh+' kWh — production active',src);\n }\n /* ── SSS: cross-check employee count against declared headcount ── */\n if(S.docs.sss_statement&&!S.docs.sss_statement.error){\n const epf=MOCK_MANUFACTURING.sss_statement;\n const epfCount=parseInt(String(epf.total_employees).replace(/,/g,''),10)||0;\n RISK.emit('operational','workforce_verification',1,\n epfCount+' employees contributing SSS (\\u20b1'+epf.monthly_contribution+'/mo)',src);\n /* Map declared headcount range to midpoint for comparison */\n const hc=S.answers.headcount||'';\n let declaredMid=0, declaredLabel=hc;\n if(hc==='Under 10') declaredMid=5;\n else if(hc==='10 to 30') declaredMid=20;\n else if(hc==='30 to 100') declaredMid=65;\n else if(hc==='More than 100') declaredMid=150;\n if(declaredMid>0 && epfCount>0){\n const ratio = epfCount / declaredMid;\n /* ratio near 1 = consistent; far below = declared inflated; far above = under-declared */\n const score = ratio>=0.7 && ratio<=1.3 ? 1\n : ratio>=0.5 && ratio<=1.5 ? 0.6\n : ratio>=0.3 ? 0.3 : 0.15;\n const gap = Math.round(Math.abs(1-ratio)*100);\n const verdict = score>=0.8 ? 'consistent with declared'\n : epfCount0 ? Math.round((topRev/totalRev)*100) : 0;\n /* concentration: <20% excellent, 20-40% ok, 40-60% elevated, >60% high risk */\n const concScore = concPct<=20?1 : concPct<=40?.7 : concPct<=60?.4 : .15;\n const concLabel = concPct<=20?'healthy diversification'\n : concPct<=40?'moderate concentration'\n : concPct<=60?'elevated concentration — single-client dependency'\n : 'CRITICAL concentration — '+concPct+'% from one buyer';\n RISK.emit('operational','client_concentration', concScore,\n cl.largest_client+' = '+concPct+'% of revenue (\\u20b1'+cl.largest_client_revenue+' of \\u20b1'+cl.total_annual_revenue+') — '+concLabel, src);\n if(totalCli>0){\n const divScore = totalCli>=8?1 : totalCli>=5?.6 : .3;\n RISK.emit('financial','customer_concentration', divScore,\n totalCli+' clients listed — '+(totalCli>=8?'well diversified':totalCli>=5?'moderate client base':'thin client base, high dependency'), src);\n }\n }\n if(S.docs.supplier_invoice&&!S.docs.supplier_invoice.error){\n const si=MOCK_MANUFACTURING.supplier_invoice;\n RISK.emit('financial','input_cost_structure',1,\n 'Top supplier: '+si.supplier_name+' — \\u20b1'+si.invoice_value+' ('+si.material_description+')',src);\n RISK.emit('operational','supplier_terms',.7,\n 'Supplier payment terms: '+si.payment_terms,src);\n }\n}\n\n/* =====================================================================\n BACK-END — screening and source verification. The merchant never sees\n any of this; it runs while the processing screen is up.\n ===================================================================== */\nconst BACKEND = {\n note(t,ok,detail){ S.backend.push({t,ok,detail:detail||'',at:Date.now()}); },\n\n async run(onStep){\n S.backend=[]; S.backendDone=false;\n const step = (i,st)=>{ onStep && onStep(i,st); };\n\n /* 1 · registry verification, against the name on the uploaded certificate */\n step(0,'run');\n const regName = DOCX.val('registration','business_name');\n const regNo = DOCX.val('registration','registration_number');\n const registry = (S.docs.registration && S.docs.registration.registry) ||\n (/sec/i.test(DOCX.val('registration','scope_or_type')||'') ? 'SEC' : 'DTI');\n if(!regName){\n this.note('Registry not corroborated — no certificate was read',false);\n step(0,'no');\n } else {\n try{\n if(registry==='SEC'){\n const o = await idfySource('phl_dti', regNo?{sec_number:regNo}:{sec_name:regName});\n S.registry = Object.assign({source:'SEC', verified:o.status==='id_found'}, o);\n if(o.status==='id_found'){\n RISK.emit('legal','registry_verified',1,'SEC: '+(o.sec_details||'found'),'phl_dti');\n this.note('DTI/SEC Certificate verified at source',true,o.sec_details||'');\n } else { this.note('SEC returned no match for '+regName,false); }\n } else {\n const o = await idfySource('phl_business_name_search',{business_name:String(regName).toUpperCase()});\n const d = (o.business_details||[])[0];\n S.registry = Object.assign({source:'DTI', verified:!!d, first:d}, o);\n if(d){\n RISK.emit('legal','registry_verified', d.status==='REGISTERED'?1:.4,\n 'DTI: '+d.status+' · '+d.certificate_number,'phl_business_name_search');\n RISK.emit('identity','name_consistency', sameName(d.owner_name,S.name)?1:.5,\n 'DTI owner: '+d.owner_name,'phl_business_name_search');\n this.note('DTI business name verified at source',true,\n d.certificate_number+' · '+d.owner_name+' · '+d.status);\n } else { this.note('DTI returned no match for '+regName,false); }\n }\n step(0,'ok');\n }catch(e){ this.note('Registry lookup unavailable: '+e.message,false); step(0,'no'); }\n }\n\n /* 2 · AML, PEP and adverse media */\n step(1,'run');\n const subject = DOCX.val('registration','owner_or_company') || S.name;\n try{\n const o = await idfySource('aml',{search_term:subject, exact_match:false, fuzziness:'high',\n filters:{types:['pep','adverse-media'], remove_deceased:true,\n country_codes:['PH'], entity_type:'person'}});\n S.aml = o;\n const clean = (o.match_status==='no_match') || !Number(o.total_hits);\n RISK.emit('reputational','aml', clean?1:.2, clean?'No AML match':'AML hits to review','IDfy AML');\n RISK.emit('reputational','pep', clean?1:.2, clean?'No PEP match':'PEP hit','IDfy AML');\n RISK.emit('reputational','adverse_media', clean?1:.3, clean?'No adverse media':'Adverse media found','IDfy AML');\n this.note('AML, PEP and adverse media screened',true, subject+' · '+(o.total_hits||0)+' hits');\n step(1,'ok');\n }catch(e){ this.note('Screening unavailable: '+e.message,false); step(1,'no'); }\n\n /* 3 · policy evaluation */\n step(2,'run');\n if(S.policy){\n S.policyEval = POLICY.evaluate();\n const hard = S.policyEval.rows.filter(r=>r.severity==='hard');\n const hardPass = hard.filter(r=>r.verdict==='pass').length;\n RISK.emit('legal','policy_hard_rules', hard.length ? hardPass/hard.length : .5,\n hardPass+' of '+hard.length+' hard policy rules passed', S.policy.policy_name||S.policy.file);\n this.note('Evaluated against '+(S.policy.policy_name||S.policy.file),true,\n S.policyEval.pass+' pass · '+S.policyEval.fail+' fail · '+S.policyEval.na+' not evaluable');\n step(2,'ok');\n } else { this.note('No credit policy uploaded — policy checks skipped',false); step(2,'no'); }\n\n /* 4 · reconciliation */\n step(3,'run');\n recomputeMoneySignals();\n const m=money();\n this.note('Turnover reconciled across '+m.reads.length+' independent read'+(m.reads.length===1?'':'s'),\n m.verified!=null, m.verified!=null ? peso(m.verified)+' a month' : 'no evidenced read available');\n step(3, m.verified!=null?'ok':'no');\n\n S.backendDone=true;\n return S.backend;\n }\n};\n/* =====================================================================\n MERCHANT JOURNEY\n Uploads only — no camera capture anywhere. Every extracted field is\n editable. No risk language, no scores, no screening results.\n ===================================================================== */\nconst SCREEN_DEFS = [\n\n/* 0 ─ start */\n{id:'start', progress:0, build:()=>\\`\n

Business loan

A loan sized to the
sales you can show.

Upload what you already have. We read it, show you every field we picked up, and give you an amount.

\n \\${[['doc','Your documents','Registration, BIR 2303, permit, bank statement.'],\n ['id','Your ID','Checked against the register that issued it.'],\n ['store','Photos of your shop','So we know what kind of business you run.'],\n ['chart','Your amount','From the sales your documents support.']]\n .map(x=>\\`

\\${ic(x[0],13)}

\\${x[1]}\\${x[2]}

\\`).join('')}\n

\\${ic('check',16)}\n

Nothing is filled in for youEvery field we read is shown to you, and you can correct it.

\\`,\n cta:()=>({label:'Start'})},\n\n/* 1 ─ applicant */\n{id:'ask', progress:.10, build:()=>{\n const r=S.intent, open=S.showChat;\n return \\`

Your loan

What do you
need?

Three things and your contact details. Nothing is fixed until the end.

\n\n

How much do you need?\n

\n\n

Over how long?\n

\n\n

What is it for?\n \n \\${S.purpose&&PURPOSE[S.purpose].hint?\\`

\\${esc(PURPOSE[S.purpose].hint)}

\\`:''}

\n\n\n \n\n \\${open?\\`

In your own words\n \n

Taglish is fine. We fill in the three boxes above from what you write, and you can correct them.

\n \n \\${r?\\`

\\${\n r.missing&&r.missing.length\n ? 'We could not find the '+esc(r.missing.join(' or the '))+' in what you wrote. Fill it in above.'\n : 'Got it. Change anything that is not right.'}

\\`:''}\n

\\`:''}\n\n \\${S.purpose&&S.ask?\\`

\\${ic('check',16)}\n

We would structure this as: \\${esc(PRODUCTS[inferProduct()]?.label||'Merchant Lending')}\n \\${PRODUCTS[inferProduct()]?.ltvNote?esc(PRODUCTS[inferProduct()].ltvNote):''}

\\`:''}\n\n

Your details

Your name\n \n

As printed on your government ID.

Mobile number\n

\\`;},\n ready:()=>S.name.trim().length>2 && S.ask>0 && !!S.purpose,\n cta:()=>({label:'Continue'})},\n\n/* 1b ─ product offering based on purpose + amount + tenure */\n{id:'offer', progress:.15, build:()=>{\n const p = S.purpose ? PURPOSE[S.purpose] : null;\n const prod = PRODUCTS[inferProduct()] || {};\n const monthly = S.ask && S.tenure ? Math.round(S.ask * 1.015 / S.tenure) : 0;\n const offers = [\n {key:'recommended', tag:'Recommended', name:prod.label||'MSME Working Capital',\n rate:'1.2% per month flat', amount:peso(S.ask), tenure:S.tenure+' months',\n monthly:peso(monthly), features:['Quick disbursement','No collateral up to ₱250k','Auto-debit repayment'],\n color:'#1C43B9'},\n {key:'alternative', tag:'Alternative', name:S.tenure>=12?'Revolving Credit Line':'Term Loan',\n rate:'1.5% per month flat', amount:peso(Math.round(S.ask*0.8)),\n tenure:S.tenure>=12?'12 months revolving':(S.tenure+6)+' months',\n monthly:peso(Math.round(S.ask*0.8*1.018/(S.tenure>=12?12:S.tenure+6))),\n features:['Flexible drawdown','Top-up eligible after 6 months'],\n color:'#6b7280'}\n ];\n return \\`

Your options

Here is what
we can offer.

Based on ₱\\${S.ask?S.ask.toLocaleString():''} over \\${S.tenure} months\\${p?' to '+esc(P_LOWER(p)):''}. These are indicative — final terms after we verify your documents.

\n\n \\${offers.map((o,i)=>\\`\n

\n \\${o.tag}\n

\\${esc(o.name)}

\n \n \\${S.selectedOffer===o.key?'':''}\n \n

Amount
\\${o.amount}

Rate
\\${o.rate}

Tenure
\\${o.tenure}

Est. monthly
\\${o.monthly}

\n \\${o.features.map(f=>''+esc(f)+'').join('')}\n

\n \\`).join('')}\n\n

Rates shown are indicative. Final pricing depends on your verified turnover, business vintage, and credit assessment. All facilities are subject to approval.

\\`;},\n ready:()=>!!S.selectedOffer,\n cta:()=>({label:'Accept & continue'})},\n\n/* 2 ─ documents */\n{id:'documents', progress:.22, build:()=>{\n const row = k=>{\n const sp0=DOCSPEC[k], d=S.docs[k], busy=S.docBusy===k, open=S.docOpen===k;\n const L = S.legalForm ? LEGAL[S.legalForm] : null;\n const sp = (k==='registration' && L)\n ? Object.assign({}, sp0, {label:L.cert, hint:'Issued by the '+L.registry, idfy:L.docType})\n : sp0;\n const cls = d ? (d.error?'err':'done') : '';\n const tag = busy?'…' : d ? (d.error?'Retry' : d.blind?'Filed':'Read') : (sp.optional?'Optional':'Upload');\n return \\`

\n \n \n \\${busy?'':d&&!d.error?ic('check',18):ic(sp.icon,18)}\n \\${esc(sp.label)}\n \\${busy?'Reading…':d?(d.error?esc(d.error):esc(d.file)):esc(sp.hint)}\n \\${tag}\n \n \\${d&&!d.error&&!d.blind?\\`

\n \\${d.fields.map((f,i)=>\\`

\\${esc(f.label)}\n

\n \n

\\`).join('')}\n

\\${ic('check',16)}\n

What we readAnything wrong? Type over it. Your correction is what we use.

\\`:''}\n \\${d&&d.blind?\\`

\n \\${ic('doc',16)}

\\${esc(d.file)}\\${esc(DOCSPEC[k].note)}

\\`:''}\n \\${d&&d.error?\\`

\n \\${ic('alert',16)}

We could not read this one\n Try a sharper photo, or the original PDF. You can also type the details in yourself on the next screen.\n

\\`:''}\n

\\`;};\n const need = DOCS_IDENTITY().filter(k=>!DOCSPEC[k].optional);\n const got = need.filter(k=>S.docs[k]&&!S.docs[k].error).length;\n const lf = S.legalForm ? LEGAL[S.legalForm] : null;\n return \\`

Your documents

Upload what you
already have.

Photograph the page or attach the PDF. We read each one and show you every field we picked up.

\n\n

How is the business registered?\n

\n \\${LEGALORDER.map(k=>{const L=LEGAL[k];return \\`\n \\`;}).join('')}\n

This tells us which register to check. The certificate you upload is what decides the name we record.

\n\n \\${lf?\\`

\\${DOCS_IDENTITY().map(row).join('')}

\\`\n :\\`

\\${ic('doc',16)}\n

Choose one to continueThe first document we ask for depends on your answer.

\\`}\n

\n \\${ic(got===need.length?'check':'doc',16)}\n

\\${got} of \\${need.length} required documents\\${\n got===need.length?'That is everything we need here. Your bank statement comes later, once you have told us what the loan is for.'\n :'The Mayor’s permit is optional. Attach it if you have it to hand.'}

\\`;},\n ready:()=>!!S.legalForm && DOCS_IDENTITY().filter(k=>!DOCSPEC[k].optional).every(k=>S.docs[k]&&!S.docs[k].error),\n cta:()=>({label:S.legalForm?'Continue':'Choose how the business is registered'})},\n\n/* 3 ─ identity document */\n{id:'identity', progress:.34, build:()=>{\n /* PhilID needs front + back for IDfy. Passport needs bio-data + signature. */\n const isPassport = S.idType==='phl_passport';\n const side=(k,label,hint)=>{\n const img=S.idShots[k], busy=S.idBusy===k;\n if(img){\n return \\`

\n $\"\"$ \n \\${label}Uploaded\n

\\`;\n }\n return \\`\n \n \\${busy?'':ic('id',20)}\n \\${label}\\${hint}\n \\`;};\n return \\`

Your ID

Upload your
government ID.

PhilSys ID or Passport. We need both sides of either one.

Which ID is it?\n

\n\n

\n \\${side('front', isPassport?'Bio-data page':'Front of card', isPassport?'Photo and details page':'Photo, name and PCN')}\n \\${side('back', isPassport?'Signature page':'Back of card', isPassport?'Signature / notes page':'Date of issue, sex, blood type')}\n

\n\n \\${S.id&&S.id.fields&&S.id.fields.length?\\`\n

What we read from your \\${esc((S.id.label||'ID').toLowerCase())}

\n \\${S.id.fields.map((f,i)=>\\`

\\${esc(f.label)}\n \\${\n f.edited?'edited':f.value?'from your ID':'not found'}

\n \n

\\`).join('')}\n

\\${ic('info',16)}\n

Check these before you continueType over anything that is wrong. What you leave here is what we use.

\\`:''}\n \\${S.idErr?\\`

\\${ic('alert',16)}\n

We could not read that oneTry a clearer photo, or type your details in on the next screen.

\\`:''}\n

\\`;},\n ready:()=>!!S.idShots.front && !!S.idShots.back,\n cta:()=>({label:S.idShots.front&&S.idShots.back?'Continue':'Upload both sides to continue'})},\n\n/* 3b ─ selfie / liveness capture */\n{id:'selfie', progress:.38, build:()=>{\n const done = !!S.selfie;\n return \\`

Liveness check

Take a quick
selfie.

We match your face to the photo on your PhilSys ID. Hold still for 3 seconds.

\n\n \\${done?\\`\n

\\${ic('check',16)} Captured

\n \n

\n \\`:\\`\n

\n \n

\n \\`}\n

\\`;},\n ready:()=>!!S.selfie,\n cta:()=>({label:S.selfie?'Continue':'Capture selfie to continue'}),\n onEnter:()=>{\n if(!S.selfie) setTimeout(()=>{\n const v=document.getElementById('selfieVideo');\n if(v && !v.srcObject) navigator.mediaDevices.getUserMedia({video:{facingMode:'user',width:{ideal:640},height:{ideal:480}}})\n .then(s=>{v.srcObject=s;}).catch(e=>toast('Camera access denied: '+e.message));\n },300);\n }},\n\n/* 4 ─ indicative range, from what the documents already show */\n{id:'indicative', progress:.27, build:()=>{\n const m=money();\n if(m.verified==null) return \\`

Where you stand

We cannot see your
sales yet.

Your bank statement is the one document that changes this. Without it we can carry on, but we will not be able to put a figure in front of you at the end.

\\${ic('alert',16)}\n

Add a bank statementGo back a step or two and upload six months. It takes a minute and it is what decides your amount.

\\`;\n const lo=Math.floor(m.verified*0.15*6/10000)*10000;\n const hi=Math.floor(m.verified*0.15*24/10000)*10000;\n return \\`

Where you stand

On what we have seen
so far.

Indicative range

\\${peso(lo)} – \\${peso(hi)}

Depending on the term you choose

From \\${esc(m.reads.filter(r=>r.src!=='application').map(r=>r.src==='operational estimate'?'your business profile':r.src).join(' and '))}

One more step and this becomes a single figure.

Monthly sales we can see\\${peso(m.verified)}

Documents read\\${Object.keys(S.docs).filter(k=>S.docs[k]&&!S.docs[k].error).length}

\\`;},\n cta:()=>({label:'Continue'})},\n\n/* 5 ─ shopfront upload, one named slot per shot */\n{id:'shopfront', progress:.46, build:()=>{\n const extras = S.shots.filter(x=>x.slot==='extra');\n const slot = k=>{\n const sp=SHOTS[k], got=shotIn(k);\n return \\`

\n \n \n \\${got?ic('check',18):ic(sp.icon,18)}\n \\${esc(sp.label)}\\${got?esc(got.name):esc(sp.hint)}\n \\${got?'':\\`\\${sp.required?'Needed':'Add'}\\`}\n \n \\${got?\\`

$\"\"$ \n

\\`:''}\n

\\`;};\n return \\`

Your shop

Three photos of
your premises.

Your documents tell us who you are. These tell us what you actually do. Take them where you trade, not from an old album.

\\${SHOTORDER.map(slot).join('')}

\n \n \n Anything else worth showing\n Optional. \\${extras.length?extras.length+' added.':'Equipment, a delivery bike, your work area.'}\n \n \\${extras.length?\\`

\\${extras.map(x=>\\`\n

$\"\"$ \n

\\`).join('')}

\\`:''}\n \\${S.shopErr?\\`

\\${ic('alert',16)}\n

We could not analyse those photos\\${esc(S.shopErr)}

\\`:''}\n

\\`;},\n ready:()=>!!shotIn('outside'),\n cta:()=>({label: shotIn('outside')?'Analyse my shop':'The outside shot is needed',\n onclick:'runShopAI()', busyLabel:'Looking at your photos…'})},\n\n/* 6 ─ what the business is (from ShopAI) + sub-type */\n{id:'business', progress:.56, build:()=>{\n const s=S.shopai;\n if(!s) return \\`

Nothing analysed yet

Go back a step and upload photos of your shop.

\\`;\n const top=(s.mcc_candidates||[])[0];\n const cat=top?mccFor(top.code):null;\n const subs=cat?cat.subs:['General retail','General services'];\n return \\`

Your business

\\${top?\\`This looks like
\\${esc(cat?cat.name:top.label)}.\\`:'Tell us a little more.'}

\\${top?\\`Read from your photos\\${s.shop_name?\\`, on the sign for \\${esc(s.shop_name)}\\`:''}. Pick the description that fits best.\\`\n :'We could not place the business from the photos. Choose the closest description.'}

\n \\${top?\\`

Category\\${esc(cat?cat.name:top.label)}

MCC\\${esc(top.code)}

\n \\${s.shop_name?\\`

Name on the sign\\${esc(s.shop_name)}

\\`:''}\n

Which of these are you?

\\${subs.map(x=>\\`\\`).join('')}

\\`;},\n ready:()=>!!S.subtype,\n cta:()=>({label:S.subtype?'Continue':'Choose one to continue'})},\n\n/* 7 ─ the business questions */\n{id:'questions', progress:.68, build:()=>{\n const qs=questionSet();\n const done=qs.filter(q=>S.answers[q.k]).length;\n let lastG=null;\n const body = qs.map(q=>{\n const head = q.g!==lastG ? \\`

\\${esc(q.g)}

\\` : '';\n lastG = q.g;\n return head + \\`

\\${esc(q.q)}

\\${q.opts.map(o=>\\`\\`).join('')}

\\`;\n }).join('');\n return \\`

A few questions

Questions only a
\\${esc(qs.length? (qs[qs.length-1].g.replace(/^About running a /,'').replace(/ business$/,'').replace(/^About how you trade$/,'business')) : 'business')} can answer.

A person doing a site visit would ask these. Answer them once here and nobody has to come round.

\\${done} of \\${qs.length} answered

\n \\${body}\n

\\`;},\n ready:()=>questionSet().every(q=>S.answers[q.k]),\n cta:()=>{ const qs=questionSet(), left=qs.filter(q=>!S.answers[q.k]).length;\n return {label: left? left+' left to answer' : 'Continue'}; }},\n\n/* 7b ─ disabled: conditional docs now live on the bank screen */\n{id:'manufdocs', progress:.74, skip:()=>true, build:()=>'',\n ready:()=>true, cta:()=>({label:'Continue'})},\n\n/* 8 ─ the money evidence, asked against a stated purpose.\n The merchant declares. The statement is read behind them.\n Conditional docs (SSS, Client list) appear here when triggered\n by headcount >= 30 or exports to US/Europe. */\n{id:'bank', progress:.80, build:()=>{\n const p = S.purpose ? PURPOSE[S.purpose] : null;\n const job = S.bankJob;\n const tax = S.docs.tax;\n const hc = S.answers.headcount || '';\n const mk = S.answers.export_markets || '';\n const needSSS = (hc==='30 to 100' || hc==='More than 100');\n const needCli = (mk==='US or Europe' || mk==='Everywhere \\u2014 many markets');\n const extraSlot = (key)=>{\n const sp=DOCSPEC[key], d=S.docs[key], busy=S.docBusy===key;\n if(!sp) return '';\n if(d && !d.error) return \\`

\n \n \n \\${ic('check',18)}\n \\${esc(sp.label)}\\${esc(d.file)}\n Read\n

\\`;\n return \\`

\n \n \n \\${busy?'':ic('doc',18)}\n \\${esc(sp.label)}\\${esc(sp.hint)}\n \\${busy?'Reading':'Upload'}\n

\\`;\n };\n return \\`

Your sales

Now the money
coming in.

\\${p?\\`You asked for \\${peso(S.ask)} over \\${S.tenure} months to \\${esc(P_LOWER(p))}. Two things and you are done.\\`\n :'Two things and you are done.'}

\n\n

Money in, in an average month\n \n

Your own figure. We check it against the statement and size on whichever is lower, so a high number here does not help you.

\n\n

Money out, in an average month\n \n

Everything leaving the account, including any loan repayments.

\n\n

Your bank statement

\n \n \n \\${job&&job.state==='reading'?''\n :job&&job.state==='done'?ic('check',18):ic('bank',18)}\n Last six months\n \\${job? esc(job.file) : 'The PDF from your bank, or the statement they email you.'}\n \\${job?(job.state==='reading'?'Reading':job.state==='done'?'Read':'Retry'):'Upload'}\n \n

\n \\${job&&job.state==='failed'?\\`

\\${ic('alert',16)}\n

We could not read that fileAttach it again, or a clearer copy. You can carry on either way, but without it we cannot confirm your sales.

\\`:''}\n\n \\${needSSS || needCli ? \\`

Additional documents

\\` : ''}\n \\${needSSS ? extraSlot('sss_statement') : ''}\n \\${needCli ? extraSlot('client_list') : ''}\n\n \n \n \\${tax&&!tax.error?'Tax return attached':'Add your latest tax return'}\n \\${tax&&!tax.error?esc(tax.file):'Optional. BIR Form 1701 or 2551Q. It usually increases what we can offer.'}\n \n

\\`;},\n /* declared, plus a statement in hand. Whether it has finished reading is\n our problem, not theirs. */\n ready:()=>{\n if(!S.bankJob) return false;\n const hc = S.answers.headcount || '';\n const mk = S.answers.export_markets || '';\n if((hc==='30 to 100' || hc==='More than 100') && !(S.docs.sss_statement && !S.docs.sss_statement.error)) return false;\n if((mk==='US or Europe' || mk==='Everywhere \\u2014 many markets') && !(S.docs.client_list && !S.docs.client_list.error)) return false;\n return true;\n },\n cta:()=>({label:'Submit my application', onclick:'submitApplication()'})},\n\n/* 9 ─ processing */\n{id:'processing', progress:.94, build:()=>{\n const job=S.bankJob;\n const bankState = !job ? '' : job.state==='reading' ? 'run' : job.state==='done' ? 'ok' : 'no';\n const steps=[\n ['Confirming your registration','We check the certificate against the government register.'],\n ['Standard background checks','Routine checks every lender is required to run.'],\n ['Applying the lending rules','Your file against the credit policy.'],\n ['Working out your amount','From the sales your documents support.']\n ];\n return \\`

Almost there

Checking your
details.

This takes about half a minute.

\n \\${job?\\`

\\${\n bankState==='run'?'':bankState==='ok'?ic('check',13):ic('alert',13)}

Reading your bank statement\\${\n bankState==='run'?'Started while you were answering the last few questions.'\n :bankState==='ok'?'Six months read. Comparing it with the figure you gave us.'\n :'We could not read it, so your amount rests on what else you gave us.'}

\\`:''}\n

\\${steps.map((s,i)=>{\n const st=(S.procSteps||{})[i]||'';\n return \\`

\\${\n st==='run'?'':st==='ok'?ic('check',13):st==='no'?ic('alert',13):ic('clock',13)}

\\${s[0]}\\${s[1]}

\\`;}).join('')}\n

\\`;},\n cta:()=>({label:S.backendDone?'See my amount':'Please wait…', disabled:!S.backendDone})},\n\n/* 10 ─ pre-qualification */\n{id:'prequal', progress:.99, build:()=>{\n const m=money();\n if(!m.sized) return \\`

Your application

We need one more
document.

Without a bank statement or a tax return we cannot confirm your sales, and we will not put a number on a figure we cannot check.

\\${ic('alert',16)}\n

Go back and add a bank statementSix months is enough. It is the single thing that most changes your amount.

\\`;\n const band=RISK.band();\n return \\`

Your pre-qualification

You are pre-qualified
for this amount.

Indicative facility

\\${peso(m.approve)}

\\${m.tenure} months · about \\${peso(m.monthly)} a month

\\${m.approve\n

You asked for\\${peso(m.ask)}

Sales we could confirm\\${peso(m.verified)} / month

Confirmed from\\${m.reads.filter(r=>r.src!=='application').map(r=>r.src).join(', ')||'—'}

Monthly repayment\\${peso(m.monthly)}

Share of monthly sales\\${m.dbr}%

\n \\${m.approve\\${ic('chart',16)}\n

Want the full \\${peso(m.ask)}?Add your latest tax return. It is the quickest way to evidence more sales.

\\`:''}\n

\\${ic('clock',16)}\n

This is indicativeA final offer follows once a person has reviewed your file. We will text you on \\${esc(S.mobile||'your mobile')}.

\\`;},\n cta:()=>({label:'Submit my application', onclick:'submitApplication()'})},\n\n/* 11 ─ submitted. The journey does not end on \"someone will call you\". It\n ends with a reference, dated steps, and the two things that actually\n move the file along. */\n{id:'submitted', progress:1, build:()=>{\n const m=money();\n const step=(n,t,d,when)=>\\`

\\${n}

\\${t}\\${d}

\n \\${when?\\`

\\${when}

\\`:''}

\\`;\n return \\`

Submitted

That is everything
we need from you.

Your file went across complete. Nothing is outstanding, and you do not need to chase anyone.

\n \\${(()=>{const stp = m.sized && RISK.count()>=10 && Math.round(RISK.composite())>=70\n && !(S.policyEval && S.policyEval.hardFail);\n return stp\n ? \\`

Approved, straight through

\\${peso(m.approve)}

\\${m.tenure} months \\\\u00B7 about \\${peso(m.monthly)} a month

Subject to signing

\\`\n : \\`

\\${ic('check',16)}\n

ReceivedQuote the reference below if you contact us.

\\`;})()}\n\n

Your reference

\\${esc(S.ref||makeRef())}

Quote this if you contact us. \\${esc(bizName()||'Your business')} \\\\u00B7 \\${peso(m.approve||S.ask)} over \\${m.tenure||S.tenure} months

\n\n

What happens now

\n \\${step(1,'A person reads your file','Someone goes through what we collected and checks the two or three things a machine should not decide alone.','By '+workingDays(1))}\n \\${step(2,'A call, only if something is unclear','If everything reconciles you will not hear from us at this stage. No news here is good news.','If needed')}\n \\${step(3,'Your decision, in writing','The amount, the term, the rate and any conditions. Sent by SMS and email.','By '+workingDays(1))}\n \\${step(4,'Signing and release','Signed online. Funds land in the account on the statement you gave us.','Same day once you sign')}\n

\n\n

Worth doing while you wait

\\${ic('doc',13)}

\n Have your latest tax return to hand\n \\${(m.approve!=null&&m.approve

\n \\${DOCX.done('permit')?'':\\`

\\${ic('doc',13)}

\n Find your Mayor\\\\u2019s permit\n You skipped it, which was fine. We will ask for it before any money is released.

\\`}\n

\\${ic('bank',13)}

\n Keep taking payments as normal\n We look at the account again just before release. Steady activity helps you.

\n\n

\\${ic('clock',16)}\n

If you need usReply to the SMS we just sent to \\${esc(S.mobile||'your mobile')}, or quote \\${esc(S.ref||'your reference')} at your branch. A real person answers.

\n\n

\\${ic('shield',16)}\n

Nothing here is a commitment yet\\${peso(m.approve||S.ask)} is what your evidence supports today. The written decision is the offer, and you are free to turn it down.

\\`;},\n cta:()=>({label:'Start another application', onclick:'restartJourney()'})}\n];\n\n/* ---------- questions, chosen by MCC — the template is never named ----------\n These follow the persona-specific section of the personal-discussion\n forms: premises, vintage, staff, licences, operations, stock, payments\n and supplier terms. Everything here is something a person would have\n asked on a site visit, which is the point: the visit is what we are\n replacing. Each answer maps to a source that can contradict it. */\nconst article = n => (/^[aeiou]/i.test(n) ? 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A loan sized to thesales you can show.

What do youneed?

Here is whatwe can offer.

Upload what youalready have.

Upload yourgovernment ID.

Take a quickselfie.

We cannot see yoursales yet.

On what we have seenso far.

Three photos ofyour premises.

Nothing analysed yet

\\${top?\\`This looks like\\${esc(cat?cat.name:top.label)}.\\`:'Tell us a little more.'}

Questions only a\\${esc(qs.length? (qs[qs.length-1].g.replace(/^About running a /,'').replace(/ business$/,'').replace(/^About how you trade$/,'business')) : 'business')} can answer.

Now the moneycoming in.

Checking yourdetails.

We need one moredocument.

You are pre-qualifiedfor this amount.

That is everythingwe need from you.

A loan sized to the
sales you can show.

What do you
need?

Here is what
we can offer.

Upload what you
already have.

Upload your
government ID.

Take a quick
selfie.

We cannot see your
sales yet.

On what we have seen
so far.

Three photos of
your premises.

\\${top?\\`This looks like
\\${esc(cat?cat.name:top.label)}.\\`:'Tell us a little more.'}

Questions only a
\\${esc(qs.length? (qs[qs.length-1].g.replace(/^About running a /,'').replace(/ business$/,'').replace(/^About how you trade$/,'business')) : 'business')} can answer.

Now the money
coming in.

Checking your
details.

We need one more
document.

You are pre-qualified
for this amount.

That is everything
we need from you.