Untitled

import math
from typing import Tuple, Dict, Optional

# Constants
DAYS_IN_MONTH = 30.4
MIN_OFFER_THRESHOLD = 1800
MIN_OFFER_AMOUNT = 2000
MAX_OFFER_AMOUNT = 250000
ROUNDING_BASE = 1000

# Grade parameters
GRADE_PARAMS = {
    'A3': {'max_swipe_percentage': 0.15, 'factor_rate': 1.16, 'expected_payback_days': 250},
    'B3': {'max_swipe_percentage': 0.175, 'factor_rate': 1.16, 'expected_payback_days': 215},
    'C3': {'max_swipe_percentage': 0.175, 'factor_rate': 1.17, 'expected_payback_days': 195},
    'D3': {'max_swipe_percentage': 0.175, 'factor_rate': 1.19, 'expected_payback_days': 185},
    'E3': {'max_swipe_percentage': 0.175, 'factor_rate': 1.12, 'expected_payback_days': 140}
}

def validate_inputs(monthly_revenue: float, fico: int, yib: float) -> None:
    """Validate input parameters."""
    if monthly_revenue <= 0:
        raise ValueError("Monthly revenue must be positive")
    if not (300 <= fico <= 850):
        raise ValueError("FICO score must be between 300 and 850")
    if yib < 0:
        raise ValueError("Years in business must be non-negative")

def determine_grade(fico: int, yib: float) -> Optional[str]:
    """Determine the grade based on FICO score and years in business."""
    if fico < 500:
        return 'E3'
    elif 500 <= fico < 580:
        return 'D3'
    elif 580 <= fico < 670:
        return 'C3' if yib >= 3 else 'D3'
    elif 670 <= fico < 740:
        return 'B3' if yib >= 3 else 'C3'
    elif fico >= 740:
        return 'A3' if yib >= 3 else 'D3'
    return None  # This case should not occur given our validation, but it's here for completeness

def calculate_offer_estimate(monthly_revenue: float, grade: str) -> float:
    """Calculate the initial offer estimate."""
    params = GRADE_PARAMS[grade]
    return (monthly_revenue / DAYS_IN_MONTH) * params['expected_payback_days'] * params['max_swipe_percentage'] / params['factor_rate']

def adjust_offer(offer_estimate: float) -> int:
    """Adjust the offer based on business rules."""
    if MIN_OFFER_THRESHOLD <= offer_estimate < MIN_OFFER_AMOUNT:
        return MIN_OFFER_AMOUNT
    return min(MAX_OFFER_AMOUNT, math.ceil(offer_estimate / ROUNDING_BASE) * ROUNDING_BASE)

def calculate_offer(monthly_revenue: float, fico: int, yib: float) -> Tuple[Optional[str], Optional[int]]:
    """Calculate the final offer based on monthly revenue, FICO score, and years in business."""
    validate_inputs(monthly_revenue, fico, yib)
    grade = determine_grade(fico, yib)
    if grade is None:
        return None, None  # Indicate that no offer can be made
    offer_estimate = calculate_offer_estimate(monthly_revenue, grade)
    final_offer = adjust_offer(offer_estimate)
    return grade, final_offer

# Define the test scenarios
test_scenarios = [
    {"monthly_revenue": 11500, "fico": 750, "yib": 1, "expected": "$11,000.00"},  # Sample A
    {"monthly_revenue": 11500, "fico": 570, "yib": 5, "expected": "$11,000.00"},  # Sample B
    {"monthly_revenue": 11500, "fico": 690, "yib": 5, "expected": "$13,000.00"},  # Sample C
    {"monthly_revenue": 11500, "fico": 490, "yib": 5, "expected": "$9,000.00"},   # Sample D
    {"monthly_revenue": 11500, "fico": 580, "yib": 2.5, "expected": "N/A"},       # New scenario
]

# Run the scenarios through the function and print the results
for i, scenario in enumerate(test_scenarios, 1):
    try:
        grade, final_offer = calculate_offer(scenario["monthly_revenue"], scenario["fico"], scenario["yib"])
        print(f"Scenario {i}:")
        print(f"  Monthly Revenue: ${scenario['monthly_revenue']:,.2f}")
        print(f"  FICO: {scenario['fico']}")
        print(f"  Years in Business: {scenario['yib']}")
        if grade is not None and final_offer is not None:
            print(f"  Matched Grade: {grade}")
            print(f"  Calculated Offer: ${final_offer:,.2f}")
        else:
            print("  Result: N/A (No offer available)")
        print(f"  Expected Offer: {scenario['expected']}")
    except ValueError as e:
        print(f"Scenario {i}: Error - {e}")
    print("-----------")