// Bylt Capital CRM — bank statements: the breakdown worked out from each
// statement PDF on a deal, and the roll-up across them.
const ST_PENDING = ["queued", "working"];
const dayRange = (a, b) => (a && b ? `${fmt.day(a)} to ${fmt.day(b)}, ${String(b).slice(0, 4)}` : "");
// What reading cost, in dollars: to the cent, or "under 1¢".
const readCost = (usd) => (!usd ? "" : usd < 0.01 ? "under 1¢" : "$" + (Math.round(usd * 100) / 100).toFixed(2));
const money0 = (n) => (n < 0 ? "−" : "") + "$" + Math.round(Math.abs(fmt.num(n))).toLocaleString("en-US");
// A statement file on a deal or lead: filed as one (role), or stored under statement/ (older files).
const isStatementFile = (f) => !!f && (f.role === "statement" || /^(deals|leads)\/[^/]+\/statement\//.test(String(f.objectKey || "")));
function statementStatus(s) {
if (!s.status) return { pill: "neutral", label: "Not read" };
if (s.status === "queued") return { pill: "pending", label: "Waiting to be read" };
if (s.status === "working") return { pill: "new", label: "Reading…" };
if (s.status === "done") return { pill: "funded", label: "Ties out" };
if (s.status === "unreadable") return { pill: "declined", label: "Can't be read" };
if (s.status === "failed") return { pill: "declined", label: "Reading failed" };
const check = (s.summary && s.summary.check) || {}, h = s.header || {};
return { pill: "review", label: check.status === "mismatch" ? "Doesn't tie out" : check.status === "totals" ? "Totals don't match" : check.status === "unverified" ? "Couldn't be checked" : !(h.periodStart && h.periodEnd) ? "Period not found" : "Partly read" };
}
// Loads a deal's statements, and keeps looking while any are still being read.
function useStatements(dealId, docCount) {
const [data, setData] = useState(null);
const showing = useRef(dealId); showing.current = dealId;
const load = useCallback(async () => {
try { const d = await API.statements(dealId); if (showing.current === dealId) setData(d); return d; }
catch (e) { return null; }
}, [dealId]);
const loadedFor = useRef(null);
useEffect(() => { if (loadedFor.current !== dealId) { loadedFor.current = dealId; setData(null); } load(); }, [dealId, docCount]);
// A statement rule added or removed (rules.jsx): the figures are worked out again, so they are loaded again.
useEffect(() => { window.addEventListener("ef:statements-changed", load); return () => window.removeEventListener("ef:statements-changed", load); }, [load]);
const pending = !!(data && data.statements.some(s => ST_PENDING.includes(s.status)));
useEffect(() => {
if (!pending) return;
const t = setInterval(load, 4000);
return () => clearInterval(t);
}, [pending, load]);
return { data, reload: load, pending };
}
// ── Deposits and positions by month, from this lead's or deal's own statements ──
// The same chart as the client file (clients.jsx DepositsChart), worked out here from the statements already
// loaded: the month a statement counts in is the one its middle day falls in (as on the server), the same
// statement uploaded twice counts once, and a statement covering much more or less than a month is brought to a
// month's worth. Positions are the repeating payments the statement reader found; the timeline marks one that
// starts or stops within the months covered.
// A payee as the timeline shows it: the bank's codes and numbers taken off ("MELIO TX_8693320" → "Melio"), at most 20 letters.
function shortPayee(payee) {
const words = String(payee || "").split(/\s+/).filter(w => w && !/\d/.test(w) && !/^(ach|debit|pmt|pymt|ppd|ccd|web|des|id|co|entry|orig|name|indn|llc|inc)$/i.test(w.replace(/[^a-z]/gi, "")));
const s = (words.length ? words : String(payee || "").split(/\s+/)).join(" ").replace(/\b([A-Z])([A-Z]+)\b/g, (m, a, b) => a + b.toLowerCase());
return s.length > 20 ? s.slice(0, 19).trim() + "…" : s;
}
function statementMonths(list) {
const day = (s) => Date.parse(s + "T00:00:00Z");
const midMonth = (h) => (h && h.periodStart && h.periodEnd ? new Date((day(h.periodStart) + day(h.periodEnd)) / 2).toISOString().slice(0, 7) : null);
const good = (list || []).filter(s => s && s.summary && (s.status === "done" || s.status === "review") && midMonth(s.header))
.sort((a, b) => (a.status === "done" ? 0 : 1) - (b.status === "done" ? 0 : 1));
const seen = new Set(), byMonth = new Map(), pos = new Map();
let from = null, to = null;
for (const s of good) {
const h = s.header;
const key = h.accountLast4 ? `${h.accountLast4}|${h.periodStart}|${h.periodEnd}` : null;
if (key && seen.has(key)) continue;
if (key) seen.add(key);
if (!from || h.periodStart < from) from = h.periodStart;
if (!to || h.periodEnd > to) to = h.periodEnd;
const d = s.summary.periodDays, k = d && (d < 25 || d > 35) ? 30.4 / d : 1;
const m = midMonth(h);
const cur = byMonth.get(m) || { month: m, deposits: 0, keys: new Set(), source: "statement" };
cur.deposits += (s.summary.deposits.revenue || 0) * k;
for (const p of s.summary.positions || []) {
if (!p.platform) cur.keys.add(`${p.key}|${p.amount}|${p.cadence}`); // platform financing isn't counted in the bars
const name = p.lender || shortPayee(p.payee), id = `${p.lender || String(p.payee || "").slice(0, 22)}|${p.amount}`;
const g = pos.get(id) || { funder: name, id, first: p.firstDate, last: p.lastDate, platform: !!p.platform };
if (p.firstDate && p.firstDate < g.first) g.first = p.firstDate;
if (p.lastDate && p.lastDate > g.last) g.last = p.lastDate;
pos.set(id, g);
}
byMonth.set(m, cur);
}
const months = [...byMonth.values()].sort((a, b) => a.month.localeCompare(b.month))
.map(m => ({ month: m.month, deposits: Math.round(m.deposits * 100) / 100, positions: m.keys.size, source: "statement" }));
const events = [];
const near = (a, b, days) => Math.abs(day(a) - day(b)) <= days * 864e5;
for (const g of pos.values()) {
if (g.first && from && !near(g.first, from, 7)) events.push({ date: g.first, kind: "start", funder: g.funder, id: g.id, platform: g.platform });
if (g.last && to && !near(g.last, to, 10)) events.push({ date: g.last, kind: "end", funder: g.funder, id: g.id, platform: g.platform });
}
return { months, events };
}
function StatementChart({ statements }) {
const [range, setRange] = useState(6);
const data = statements && statements.data;
const { months, events: payEvents } = useMemo(() => statementMonths(data ? data.statements : []), [data]);
if (!data || !months.length || !window.DepositsChart) return null;
const s = data.summary || {};
// A funding on the statements is marked on the day it landed; the "payments start" mark of the payment it started is then left off.
const started = new Set((s.positions || []).concat(s.platformPositions || []).filter(p => p.funding).map(p => `${p.lender || String(p.payee || "").slice(0, 22)}|${p.amount}`));
const events = payEvents.filter(e => !(e.kind === "start" && started.has(e.id)))
.concat((s.fundings || []).map(f => { const n = f.lender || fundingName(f); return { date: f.date, kind: "funded", platform: !!f.platform, funder: `Funded ${fmt.moneyShort(f.amount)} · ${n.length > 20 ? n.slice(0, 19).trim() + "…" : n}` }; }));
const avg = months.length ? Math.round(months.reduce((t, m) => t + m.deposits, 0) / months.length) : 0;
const monthly = s.positionsMonthly || 0;
// The share is the same figure as the remit label beside the business name (positions over average monthly sales).
const totals = { avgDeposits: avg, monthly, paymentShare: remitShare(s), positions: (s.positions || []).length };
return ;
}
// ── Monthly remit: what the current positions take out of a month's sales ──
// Positions' monthly payments over average monthly sales (the same two figures the chart shows). Null when the
// statements give no sales to measure against.
function remitShare(summary) {
if (!summary || !(summary.avgMonthlyRevenue > 0)) return null;
return Math.round(((summary.positionsMonthly || 0) / summary.avgMonthlyRevenue) * 100);
}
// The same with platform financing (PayPal, Square, DoorDash…) counted too: null when there is none, or the same figure.
function remitShareAll(summary) {
if (!summary || !(summary.avgMonthlyRevenue > 0) || !(summary.platformMonthly > 0)) return null;
return Math.round(((summary.allMonthly || 0) / summary.avgMonthlyRevenue) * 100);
}
// The band a remit falls in: 20% and under green, to 40% orange, to 50% red, over 50% red and Over-Leveraged.
function remitBand(share) { return share > 50 ? "over" : share > 40 ? "red" : share > 20 ? "orange" : "green"; }
// A label for beside the business name: a sliding scale (green, orange, red) with a marker at the remit, and the figure.
// `withPlatforms`: the figure with platform financing counted too, shown beside it when there is any.
function RemitBadge({ share, basis, compact, withPlatforms }) {
if (share === null || share === undefined || !isFinite(share)) return null;
const band = remitBand(share);
const alt = withPlatforms !== null && withPlatforms !== undefined && isFinite(withPlatforms) && withPlatforms !== share ? withPlatforms : null;
const altText = alt === null ? "" : ` With platform financing (PayPal, Square, DoorDash…) counted too: ${alt}%.`;
// In lists: the colour and the figure only.
if (compact) return {share}%{band === "over" ? Over-Leveraged : null}{alt !== null ? {alt}% w/ platforms : null};
const at = Math.max(0, Math.min(100, (share / 60) * 100));
return (
{share}%remit{band === "over" ? Over-Leveraged : null}
{alt !== null ? {alt}% with platforms : null}
);
}
// The repeating lender payments on the latest statements, listed like the client file's Current positions:
// the biggest monthly cost first.
function StatementPositions({ summary }) {
const list = (summary && summary.positions) || [];
const rules = useStatementRules();
const notPosition = (p) => openRuleSheet({ description: p.payee, direction: "debit", amount: p.amount, date: p.lastDate, kind: "not-position" });
return (
Current positions ({list.length})from the latest statements
Funded {fmt.money(p.funding.amount)} on {fmt.day(p.funding.date)} → {p.paidSince.count} {p.paidSince.count === 1 ? "payment" : "payments"} since {fmt.day(p.paidSince.since)}, {fmt.money(p.paidSince.total)} paid on these statements
);
}
// Layout B: a compact panel in the right-hand column of a lead's or deal's file (on every tab), and the same as a
// strip under the action buttons where that column is folded away (narrower screens and phones). "See all" opens
// the full card (every transaction) in a sheet.
const RED_SHORT_PANEL = { gambling: "Gambling", casino: "Casinos", cashApp: "Cash App · Venmo · Zelle", liquor: "Liquor and bars" };
function CallNotesBody({ notes, onAll }) {
const tp = notes.talkingPoint, sum = notes.redFlagSummary || {}, n = notes.redFlagsTotal || (notes.redFlags || []).length;
return (
Open with
{tp ? <>
{fmt.money(tp.amount)} at {tp.merchant}, {fmt.day(tp.date)}
);
}
// The reverse consolidation and debt settlement found on the statements, above the positions.
function StatementWarnings({ summary }) {
const rev = (summary && summary.reverse) || [], ds = (summary && summary.debtSettlement) || [];
if (!rev.length && !ds.length) return null;
return (
{ds.length ? (
<>
Debt settlementNot fundable
{ds.map((d, i) => (
{d.payee}
{d.count} {d.count === 1 ? "payment" : "payments"}, last {fmt.money(d.amount)} on {fmt.day(d.last)}
{fmt.money(d.total)}
on these statements
))}
) : null}
{rev.length ? (
<>
Reverse consolidationIn reverse
{rev.map((r, i) => (
{r.name}
Deposits about {fmt.money(r.amount)} {r.cadence} · {r.count} from {fmt.day(r.first)} to {fmt.day(r.last)}
{r.payment ? <>Paid back {fmt.money(r.payment.amount)} {r.payment.cadence === "weekly" ? "weekly" : "daily"} ({money0(r.payment.monthly)} a month){r.payment.payee ? · {r.payment.payee} : null} : The payment back to them isn't named on the statements; mark it with Fix on its row (Lender payment, {r.name})}
{fmt.money(r.total)}
received on these statements
))}
) : null}
);
}
// The lender's name for a funding not matched to the office's list: the deposit's own wording, trimmed.
const fundingName = (f) => String(f.description || "").replace(/\b(incoming wire|wire in|wire transfer|fedwire|book transfer|proceeds|ach|credit|deposit|dep|ppd|ccd|orig co name:?|co entry descr:?|des:?|id:?)\b/gi, " ").replace(/[#:]?\s*\d{4,}.*$/, "").replace(/\s+/g, " ").trim().slice(0, 28) || "a lender";
// Money in from lenders: each funding on the statements, newest first, with the payments it started when they show up.
// How sure it is that a deposit was a funding: payments to the same lender began after it (Confirmed), it came from
// a lender on the list, a known funder or one named in a rule (Lender match), or only its wording says so (Possible).
const fundingCertainty = (f) => (f.payments ? { label: "Confirmed", cls: "s-funded", tip: "Repeating payments to the same lender began after it" }
: f.basis === "payments" ? { label: "Payments follow", cls: "s-funded", tip: "No lender is named, but new repeating payments began within three weeks after it" }
: f.basis === "wording" ? { label: "Possible", cls: "s-review", tip: "Only the bank's wording says this is a funding, and no payments to the sender follow it yet" }
: { label: "Lender match", cls: "s-submitted", tip: f.basis === "rule" ? "A statement rule names the lender" : "The sender is a lender on the list or a known funder; no payments to it follow yet" });
function StatementFundings({ summary }) {
const list = (summary && summary.fundings) || [];
const rules = useStatementRules();
if (!list.length) return null;
return (
Recent fundings ({list.length})deposits from lenders on the statements
{f.payments
? Payments {fmt.money(f.payments.amount)} {f.payments.cadence === "weekly" ? "weekly" : "daily"} from {fmt.day(f.payments.since)} · {f.payments.count} so far, {fmt.money(f.payments.total)} paid on these statements
: No repeating payments to this lender found after it yet}
);
}
// What the client file shows from its advances, worked out here from a lead's or deal's own statements:
// the deposits-and-positions chart, the current positions and the banking figures.
function StatementOverview({ statements, onOpen }) {
const data = statements && statements.data;
if (!data || !data.summary) return null;
return <>;
}
// The figures across every statement on the deal.
function StatementSummary({ summary, onOpen }) {
if (!summary) return null;
const s = summary;
const stat = (label, value, sub, bad) =>
{String(t.category || "").replace(/_/g, " ")}{t.rule ? · rule : null}{t.noPosition ? · not a position : null}
{canFix ?
: null}
))}
);
}
// `fileActions`: Open, Read again and Delete act on the whole file, so a file read as several statements
// shows them once, on the first of its statements in the list.
function StatementRow({ s, dealId, canWrite, ready, onRead, onDelete, fileActions = true }) {
const [open, setOpen] = useState(false);
const [rows, setRows] = useState(false);
const [busy, setBusy] = useState(false);
const st = statementStatus(s);
const h = s.header || {}, m = s.summary;
const pending = ST_PENDING.includes(s.status);
const read = async () => { setBusy(true); await onRead(s.objectKey); setBusy(false); };
return (
{fmt.money(h.openingBalance)} to {fmt.money(h.closingBalance)}
: null}
{m.balances ?
Lowest balance
{fmt.money(m.balances.lowest)} on {fmt.day(m.balances.lowestDate)}{m.balances.negativeDays ? `, below zero on ${m.balances.negativeDays} ${m.balances.negativeDays === 1 ? "day" : "days"}` : ""}
: null}
Check against the bank
{m.check.status === "ok" ? "Opening balance plus the rows read equals the closing balance" : m.check.status === "mismatch" ? `Off by ${fmt.money(Math.abs(m.check.difference))}` : m.check.status === "totals" ? "The balances agree, but the rows don't add up to the bank's own printed totals" : "No balances printed to check against"}