// Industry Insights — Full redesign per new design spec (Industry Insights — Standalone). // Phase 1: Industry chip picker → CTA unlocks on selection. // Phase 2: Redesigned dashboard — hero + 10 benchmark sections, hand-built SVG charts. // // Live data (see docs/industry-insights-api.md): // GET /v1/bi/industries → shared catalog (picker) // POST /v1/bi/industryInsights → { email, industry } dashboard (no DUNS) // Gated by RBI_ENV.industryInsightsLive (true = live APIs; false = local sample only). const { useState: useIndState, useEffect: useIndEffect, useRef: useIndRef, useCallback: useIndCallback } = React; function indLiveApiEnabled() { return !!(window.RBI_ENV && window.RBI_ENV.industryInsightsLive); } // ── Industry Data ───────────────────────────────────────────────────────── const INDUSTRIES = [ { value: "restaurant", label: "Restaurant & Food Services", icon: ( ) }, { value: "retail", label: "Retail", icon: ( ) }, { value: "contractor", label: "Contractor & Construction", icon: ( ) }, { value: "healthcare", label: "Healthcare & Wellness", icon: ( ) }, { value: "auto", label: "Auto Services", icon: ( ) }, { value: "beauty", label: "Beauty & Personal Care", icon: ( ) }, { value: "logistics", label: "Transportation & Logistics", icon: ( ) }, { value: "professional", label: "Professional Services", icon: ( ) }, { value: "other", label: "Other", icon: ( ) }, ]; const REVENUE_RANGES = [ { value: "lt25k", label: "Under $25,000 / mo" }, { value: "25k_50k", label: "$25,000 – $50,000 / mo" }, { value: "50k_100k", label: "$50,000 – $100,000 / mo" }, { value: "100k_250k", label: "$100,000 – $250,000 / mo" }, { value: "gt250k", label: "Over $250,000 / mo" }, ]; const CREDIT_RANGES = [ { value: "706_799", label: "706 – 799 (High Risk)" }, { value: "800_839", label: "800 – 839 (Moderate – High Risk)" }, { value: "840_879", label: "840 – 879 (Moderate Risk)" }, { value: "880_899", label: "880 – 899 (Low – Moderate Risk)" }, { value: "900_999", label: "900 – 999 (Low Risk)" }, ]; const INDUSTRY_CHALLENGES = { restaurant: ["Labor Costs", "Inventory Management", "Seasonality", "Food Waste"], retail: ["Inventory Turnover", "Supplier Costs", "E-commerce Competition", "Seasonal Demand"], contractor: ["Project Cash Flow", "Material Costs", "Labor Availability", "Payment Delays"], healthcare: ["Regulatory Compliance", "Insurance Reimbursement", "Staffing", "Equipment Costs"], auto: ["Parts Sourcing", "Labor Costs", "Customer Retention", "Technology Investment"], beauty: ["Retail Competition", "Appointment No-shows", "Product Inventory", "Staff Turnover"], logistics: ["Fuel Costs", "Equipment Maintenance", "Driver Shortages", "Route Efficiency"], professional: ["Client Acquisition", "Billing Cycles", "Talent Retention", "Market Competition"], other: ["Cash Flow", "Market Competition", "Operating Costs", "Customer Retention"], }; const FUNDING_USE_CASES = { restaurant: [{ label: "Inventory & Supplies", pct: 38 }, { label: "Equipment", pct: 26 }, { label: "Payroll", pct: 18 }, { label: "Expansion / Renovation", pct: 12 }, { label: "Marketing", pct: 6 }], retail: [{ label: "Seasonal Inventory", pct: 42 }, { label: "Equipment", pct: 20 }, { label: "Marketing", pct: 18 }, { label: "Payroll", pct: 14 }, { label: "Build-out", pct: 6 }], contractor: [{ label: "Project Cash Flow", pct: 44 }, { label: "Materials", pct: 30 }, { label: "Equipment", pct: 16 }, { label: "Payroll", pct: 10 }], healthcare: [{ label: "Equipment", pct: 35 }, { label: "Payroll", pct: 30 }, { label: "Supplies", pct: 20 }, { label: "Expansion", pct: 15 }], auto: [{ label: "Parts Inventory", pct: 40 }, { label: "Equipment", pct: 30 }, { label: "Payroll", pct: 18 }, { label: "Marketing", pct: 12 }], beauty: [{ label: "Product Inventory", pct: 35 }, { label: "Equipment", pct: 28 }, { label: "Renovation", pct: 22 }, { label: "Marketing", pct: 15 }], logistics: [{ label: "Fleet Maintenance", pct: 38 }, { label: "Fuel Costs", pct: 32 }, { label: "Payroll", pct: 20 }, { label: "Equipment", pct: 10 }], professional: [{ label: "Technology", pct: 35 }, { label: "Payroll", pct: 30 }, { label: "Marketing", pct: 22 }, { label: "Operations", pct: 13 }], other: [{ label: "Operations", pct: 40 }, { label: "Payroll", pct: 30 }, { label: "Equipment", pct: 18 }, { label: "Marketing", pct: 12 }], }; // ── Default mock-controls values ────────────────────────────────────────── const IND_MOCK_DEFAULTS = { revenue: 25000, years: "3", credit: "800_839", region: "California", showHistory: true, }; /** Fallback month labels when the API does not return `months` (trailing 12). */ const II_MONTHS_FALLBACK = ["Aug", "Sep", "Oct", "Nov", "Dec", "Jan", "Feb", "Mar", "Apr", "May", "Jun", "Jul"]; // ── Benchmark computation ───────────────────────────────────────────────── // Fixed industry averages — independent of user inputs so comparisons are meaningful const IND_AVG_REV = { restaurant: 42000, retail: 55000, contractor: 68000, healthcare: 72000, auto: 38000, beauty: 28000, logistics: 85000, professional: 60000, other: 45000, }; const IND_AVG_CREDIT = { restaurant: 780, retail: 800, contractor: 790, healthcare: 820, auto: 795, beauty: 775, logistics: 785, professional: 815, other: 780, }; const IND_GROWTH = { restaurant: "8.4", retail: "9.1", contractor: "11.2", healthcare: "7.8", auto: "6.5", beauty: "10.3", logistics: "12.1", professional: "8.9", other: "7.5", }; const IND_BUFFER_BASE = { restaurant: 55, retail: 52, contractor: 58, healthcare: 48, auto: 53, beauty: 50, logistics: 60, professional: 45, other: 54, }; const IND_COHORT_N = { restaurant: 3184, retail: 4210, contractor: 1860, healthcare: 1420, auto: 2260, beauty: 1980, logistics: 1540, professional: 2040, other: 2600, }; function computeBenchmarks(form) { const creditMap = { "706_799": 752, "800_839": 819, "840_879": 859, "880_899": 889, "900_999": 950 }; const myRev = typeof form.revenue === "number" ? form.revenue : parseInt(form.revenue) || 25000; const myCredit = creditMap[form.credit] || 752; const myYears = parseFloat(form.years) || 2; const indAvgRev = IND_AVG_REV[form.industry] || 45000; const indAvgCredit = IND_AVG_CREDIT[form.industry] || 780; const indAvgYears = 3.2; const indGrowth = IND_GROWTH[form.industry] || "7.5"; const myGrowth = (myRev / indAvgRev * parseFloat(indGrowth)).toFixed(1); const avgFunding = Math.round(indAvgRev * 1.12 / 1000) * 1000; return { myRev, myCredit, myYears, indAvgRev, indAvgCredit, indAvgYears, myGrowth, indGrowth, avgFunding }; } // ── Deterministic pseudo-random generation (seeded by inputs, so the same // mock-control combo always renders the same numbers) ─────────────────── function seedFromString(s) { let h = 2166136261; for (let i = 0; i < s.length; i++) { h ^= s.charCodeAt(i); h = Math.imul(h, 16777619); } return h >>> 0; } function mulberry32(a) { return function () { a |= 0; a = (a + 0x6D2B79F5) | 0; let t = Math.imul(a ^ (a >>> 15), 1 | a); t = (t + Math.imul(t ^ (t >>> 7), 61 | t)) ^ t; return ((t ^ (t >>> 14)) >>> 0) / 4294967296; }; } // A 12-point series that drifts from base*(1 - drift/2) to base*(1 + drift/2) // with small period-to-period noise. function genSeries(rng, base, opts) { const o = opts || {}; const months = o.months || 12, drift = o.drift == null ? 0.08 : o.drift, noise = o.noise == null ? 0.04 : o.noise, floor = o.floor || 0; const out = []; for (let i = 0; i < months; i++) { const trend = base * (1 + drift * (i / (months - 1) - 0.5)); const wob = base * noise * (rng() - 0.5) * 2; out.push(Math.max(floor, Math.round(trend + wob))); } return out; } const CHALLENGE_NOTES = { "Labor Costs": "Wages and scheduling typically absorb a large share of monthly revenue.", "Inventory Management": "Stock on hand ties up cash and is sensitive to demand swings.", "Seasonality": "Most operators see a meaningful swing between peak and slow months.", "Food Waste": "Waste of purchased inventory quietly reduces margin every month.", "Inventory Turnover": "Slow-moving stock ties up working capital that could fund growth.", "Supplier Costs": "Rising supplier pricing compresses margin faster than retail prices adjust.", "E-commerce Competition": "Online-only competitors pressure both pricing and foot traffic.", "Seasonal Demand": "Revenue is concentrated in a handful of peak-demand months.", "Project Cash Flow": "Payment terms on larger jobs create timing gaps between cost and receipt.", "Material Costs": "Materials pricing volatility makes job costing harder to lock in.", "Labor Availability": "Finding and retaining skilled labor limits how much work can be taken on.", "Payment Delays": "Delayed client payments are a common source of short-term cash strain.", "Regulatory Compliance": "Compliance requirements add recurring administrative and licensing cost.", "Insurance Reimbursement": "Reimbursement timing lags service delivery by weeks or months.", "Staffing": "Recruiting and retaining qualified staff is a persistent operating cost.", "Equipment Costs": "Specialized equipment requires meaningful up-front and maintenance spend.", "Parts Sourcing": "Parts availability and pricing swings affect turnaround time and margin.", "Customer Retention": "Repeat business is harder to earn than the first sale.", "Technology Investment": "Keeping tools and diagnostics current requires ongoing reinvestment.", "Retail Competition": "Big-box and online retailers pressure pricing on product lines.", "Appointment No-shows": "Missed appointments create direct, hard-to-recover revenue loss.", "Product Inventory": "Retail product lines tie up cash that could otherwise fund services.", "Staff Turnover": "Turnover adds hiring and training cost and disrupts client relationships.", "Fuel Costs": "Fuel price swings move directly through to operating margin.", "Equipment Maintenance": "Fleet upkeep is a large, recurring, and only partly predictable cost.", "Driver Shortages": "Limited driver availability caps how much freight can be taken on.", "Route Efficiency": "Inefficient routing quietly adds fuel and labor cost across the fleet.", "Client Acquisition": "Acquiring new clients typically costs more than retaining existing ones.", "Billing Cycles": "Long billing cycles widen the gap between delivering work and getting paid.", "Talent Retention": "Losing senior talent disrupts client relationships and delivery capacity.", "Market Competition": "Competitive pricing pressure limits how much margin can be protected.", "Cash Flow": "Uneven timing between receipts and obligations is a constant balancing act.", "Operating Costs": "Day-to-day operating costs typically rise faster than pricing can follow.", }; // ── Build the full benchmark dataset for the selected industry + inputs ─── function buildInsightsData(industryValue, industryLabel, form, bm) { const rng = mulberry32(seedFromString(industryValue + "|" + form.revenue + "|" + form.credit + "|" + form.years)); const you = { inflow: bm.myRev, outflow: Math.round(bm.myRev * (0.90 + rng() * 0.08)), balance: Math.round(bm.myRev * (0.20 + rng() * 0.10)), sbfe: bm.myCredit, }; const ind = { inflow: bm.indAvgRev, outflow: Math.round(bm.indAvgRev * 0.905), balance: Math.round(bm.indAvgRev * 0.34), sbfe: bm.indAvgCredit, }; const inflowYou = genSeries(rng, you.inflow, { drift: 0.14, noise: 0.045 }); const inflowInd = genSeries(rng, ind.inflow, { drift: 0.10, noise: 0.02 }); const outflowYou = genSeries(rng, you.outflow, { drift: 0.17, noise: 0.045 }); const outflowInd = genSeries(rng, ind.outflow, { drift: 0.11, noise: 0.02 }); const balYou = genSeries(rng, you.balance, { drift: -0.10, noise: 0.06, floor: 1000 }); const balIndMid = genSeries(rng, ind.balance, { drift: 0.02, noise: 0.02, floor: 1000 }); const balLo = balIndMid.map(v => Math.round(v * 0.62)); const balHi = balIndMid.map(v => Math.round(v * 1.68)); const bounceCount = 1 + Math.round(rng() * 4); const bouncePrev = bounceCount + 1 + Math.round(rng() * 2); const bounceInd = +(1.6 + rng() * 1.2).toFixed(1); const bounceSpark = genSeries(rng, Math.max(2, bounceCount), { drift: -0.3, noise: 0.5, floor: 0 }).map(v => Math.min(9, v)); const repaymentPctInflow = +(9.5 + rng() * 4.5).toFixed(1); const repaymentAvg = Math.round(you.inflow * (repaymentPctInflow / 100)); const repaymentIndPct = +(7.8 + rng() * 2.4).toFixed(1); const operatingOutflow = Math.max(0, you.inflow - repaymentAvg - Math.round(you.inflow * 0.04)); const remainingCash = Math.max(0, you.inflow - operatingOutflow - repaymentAvg); const operatingShare = Math.max(0, you.inflow - repaymentAvg - remainingCash); const sbfeYouDelta = 12 + Math.round(rng() * 22); const sbfeIndDelta = 5 + Math.round(rng() * 8); const sbfeYouHist = genSeries(rng, you.sbfe - sbfeYouDelta / 2, { drift: 0, noise: 0.006, floor: 300 }); sbfeYouHist[sbfeYouHist.length - 1] = you.sbfe; const sbfeIndHist = genSeries(rng, ind.sbfe - sbfeIndDelta / 2, { drift: 0, noise: 0.004, floor: 300 }); sbfeIndHist[sbfeIndHist.length - 1] = ind.sbfe; const flexLineInd = bm.avgFunding; const flexLineYou = Math.round(flexLineInd * (1.08 + rng() * 0.28)); const flexRange = [Math.round(flexLineInd * 0.46), Math.round(flexLineInd * 1.9)]; const bufferBase = IND_BUFFER_BASE[industryValue] || 54; const bufferInd = Math.round(bufferBase + (rng() - 0.5) * 6); const bufferYou = Math.min(96, Math.max(8, Math.round(bufferInd + (rng() - 0.35) * 22))); const bufferRange = [Math.max(5, bufferInd - 27), Math.min(99, bufferInd + 23)]; const industryBuffer = genSeries(rng, bufferInd, { drift: 0.10, noise: 0.05, floor: 5 }).map(v => Math.min(99, v)); const cohortN = IND_COHORT_N[industryValue] || (1200 + Math.round(rng() * 3000)); const snapshot = [ { key: "inflow", label: "Monthly Cash Inflow", you: you.inflow, ind: ind.inflow, unit: "$", trend: (inflowYou[11] >= inflowYou[0] ? "+" : "−") + Math.abs(((inflowYou[11] - inflowYou[0]) / inflowYou[0]) * 100).toFixed(1) + "%", trendDir: inflowYou[11] >= inflowYou[0] ? "up" : "down", status: you.inflow >= ind.inflow ? "above" : "below", note: "vs. industry average" }, { key: "outflow", label: "Monthly Cash Outflow", you: you.outflow, ind: ind.outflow, unit: "$", trend: (outflowYou[11] >= outflowYou[0] ? "+" : "−") + Math.abs(((outflowYou[11] - outflowYou[0]) / outflowYou[0]) * 100).toFixed(1) + "%", trendDir: "up", status: you.outflow <= ind.outflow ? "above" : "below", note: you.outflow <= ind.outflow ? "leaner than peers" : "higher spend than peers" }, { key: "balance", label: "Avg Starting Balance", you: you.balance, ind: ind.balance, unit: "$", trend: (balYou[11] >= balYou[0] ? "+" : "−") + Math.abs(((balYou[11] - balYou[0]) / balYou[0]) * 100).toFixed(1) + "%", trendDir: balYou[11] >= balYou[0] ? "up" : "down", status: you.balance >= ind.balance ? "above" : "below", note: you.balance >= ind.balance ? "healthy cash cushion" : "thinner cash cushion" }, { key: "sbfe", label: "SBFE Score", you: you.sbfe, ind: ind.sbfe, unit: "", trend: "+" + sbfeYouDelta + " pts", trendDir: "up", status: you.sbfe >= ind.sbfe ? "above" : "below", note: "last 12 months" }, { key: "buffer", label: "Cash Buffer Utilization", you: bufferYou, ind: bufferInd, unit: "%", trend: (bufferYou >= bufferInd ? "+" : "−") + Math.abs(bufferYou - bufferInd) + " pts", trendDir: bufferYou >= bufferInd ? "up" : "down", status: bufferYou <= bufferInd + 5 ? "near" : "below", note: "of available capital used" }, ]; const consistencyPct = Math.min(98, Math.max(58, Math.round(70 + (you.inflow >= ind.inflow ? 12 : -6) + rng() * 12))); const factors = [ { key: "consistency", label: "Cash Flow Consistency", status: consistencyPct >= 88 ? "strong" : consistencyPct >= 75 ? "moderate" : "attention", you: consistencyPct + "% of months positive", ind: "Industry " + Math.max(70, consistencyPct - 8) + "%", note: "Your deposits have been " + (consistencyPct >= 85 ? "steady across most of the last 12 months." : "somewhat uneven over the last 12 months."), why: "Lenders look for predictable deposit patterns rather than one strong month.", link: "" }, { key: "buffer", label: "Cash Buffer", status: you.balance >= ind.balance ? "strong" : you.balance >= ind.balance * 0.8 ? "moderate" : "attention", you: iiUSD(you.balance, true) + " avg balance", ind: "Industry " + iiUSD(ind.balance, true), note: you.balance >= ind.balance ? "Your average starting cash balance is above similar businesses." : "Your average starting cash balance is below similar businesses.", why: "A larger cash cushion absorbs slow weeks without missed payments.", link: "" }, { key: "credit", label: "Credit Profile", status: you.sbfe >= ind.sbfe + 20 ? "strong" : you.sbfe >= ind.sbfe ? "moderate" : "attention", you: "SBFE " + you.sbfe, ind: "Industry " + ind.sbfe, note: "Your SBFE score is " + Math.abs(you.sbfe - ind.sbfe) + " points " + (you.sbfe >= ind.sbfe ? "above" : "below") + " the industry average.", why: "Business credit reporting reflects how reliably you pay trade and lending obligations.", link: "" }, { key: "repayment", label: "Repayment Burden", status: repaymentPctInflow <= repaymentIndPct ? "strong" : repaymentPctInflow <= repaymentIndPct + 3 ? "moderate" : "attention", you: repaymentPctInflow + "% of inflow", ind: "Industry " + repaymentIndPct + "%", note: repaymentPctInflow > repaymentIndPct ? "Repayment deductions take a larger share of inflow than peers." : "Repayment deductions take a smaller share of inflow than peers.", why: "The share of revenue committed to existing repayments limits room for new financing.", link: "" }, { key: "reliability", label: "Payment Reliability", status: bounceCount <= bounceInd ? "strong" : bounceCount <= bounceInd + 1.5 ? "moderate" : "attention", you: bounceCount + " bounces / 90 days", ind: "Industry " + bounceInd, note: "Bounced payments are " + (bounceCount < bouncePrev ? "down from " + bouncePrev + ", " : "") + (bounceCount <= bounceInd ? "in line with peers." : "still slightly above peers."), why: "Returned payments are read as a short-term liquidity signal.", link: "" }, ]; const palette = ["#0040BA", "#3366C8", "#04C49E", "#68DCC5", "#A4C3FF"]; const fundingUse = (FUNDING_USE_CASES[industryValue] || FUNDING_USE_CASES.other).map((u, i) => ({ label: u.label, value: u.pct, color: palette[i % palette.length] })); const challenges = (INDUSTRY_CHALLENGES[industryValue] || INDUSTRY_CHALLENGES.other).map(label => ({ label, note: CHALLENGE_NOTES[label] || `A common pressure point for ${industryLabel} businesses, and one that shows up directly in cash flow patterns.` })); const topPerformers = [ { metric: "Average Credit Profile", top: (ind.sbfe + 75) + "+ SBFE", ind: ind.sbfe + " SBFE" }, { metric: "Cash Flow Consistency", top: "94% positive months", ind: Math.max(70, consistencyPct - 10) + "% positive months" }, { metric: "Customer Retention", top: "72% repeat customers", ind: "58% repeat customers" }, { metric: "Cash Flow Stability", top: "Low volatility", ind: "Moderate volatility" }, { metric: "Time in Business", top: "6+ years", ind: bm.indAvgYears.toFixed(1) + " years" }, ]; const education = [ { tag: "Cash flow", title: "Improve Cash Flow", note: "Practical steps to stabilize deposits and shorten the gap between payables and receivables." }, { tag: "Credit", title: "Understand Your SBFE Score", note: "How small business credit exchange data is built, what moves it, and how to review yours." }, { tag: "Funding", title: "Prepare for Funding", note: "What lenders commonly evaluate and how to organize your financials before applying." }, ]; return { cohort: { n: cohortN, spec: `${industryLabel} · benchmark cohort · 12-month trailing` }, snapshot, inflow: { you: inflowYou, ind: inflowInd }, outflow: { you: outflowYou, ind: outflowInd }, balance: { you: balYou, lo: balLo, hi: balHi }, bounce: { count: bounceCount, prev: bouncePrev, ind: bounceInd, spark: bounceSpark }, repayment: { avg: repaymentAvg, pctInflow: repaymentPctInflow, indPct: repaymentIndPct, inflow: you.inflow, composition: [ { label: "Operating outflow", value: operatingShare, color: "var(--gg-100)" }, { label: "Repayment deductions", value: repaymentAvg, color: "var(--color-warning)" }, { label: "Remaining cash", value: remainingCash, color: "var(--fp-100)" }, ], }, sbfe: { you: you.sbfe, ind: ind.sbfe, min: 300, max: 1000, youDelta: sbfeYouDelta, indDelta: sbfeIndDelta, youHist: sbfeYouHist, indHist: sbfeIndHist, indRange: [Math.max(300, ind.sbfe - 120), Math.min(1000, ind.sbfe + 140)] }, flexLine: { you: flexLineYou, ind: flexLineInd, range: flexRange }, buffer: { you: bufferYou, ind: bufferInd, range: bufferRange }, factors, industryBuffer, fundingUse, challenges, topPerformers, education, }; } // ── Live API helpers (docs/industry-insights-api.md) ─────────────────────── const IND_ICON_BY_KEY = {}; INDUSTRIES.forEach((ind) => { IND_ICON_BY_KEY[ind.value] = ind.icon; }); function indIconFor(iconKey, value) { return IND_ICON_BY_KEY[iconKey] || IND_ICON_BY_KEY[value] || IND_ICON_BY_KEY.other; } function indFallbackCatalog() { return INDUSTRIES.map((ind, i) => ({ value: ind.value, label: ind.label, cohort_n: IND_COHORT_N[ind.value] || 0, sort_order: i + 1, icon_key: ind.value, })); } function indSortCatalog(list) { return (list || []).slice().sort((a, b) => (a.sort_order || 0) - (b.sort_order || 0)); } /** Login / profile email used to identify the customer (not DUNS). */ function indCustomerEmail(user) { const fromProfile = user && (user.email || user.emailAdd); if (fromProfile && String(fromProfile).indexOf("@") >= 0) return String(fromProfile).trim(); const loginId = window.RBI_API && window.RBI_API.getLoginId && window.RBI_API.getLoginId(); if (loginId && String(loginId).indexOf("@") >= 0) return String(loginId).trim(); return ""; } function indBusinessDisplayName(user) { const name = user && user.business_name && String(user.business_name).trim(); return name || "Your Business"; } function indOwnerDisplayName(user) { if (!user) return "Your Account"; const full = (user.owner_name || [user.first_name, user.last_name].filter(Boolean).join(" ")).trim(); return full || "Your Account"; } function indCityDisplay(user) { const city = user && user.city && String(user.city).trim(); return city || ""; } /** Map profile/signup industry labels → Industry Insights catalog `value`. */ const PROFILE_TO_INSIGHTS_INDUSTRY = { food: "restaurant", restaurant: "restaurant", "restaurant & food services": "restaurant", retail: "retail", fintech: "other", healthcare: "healthcare", "healthcare & wellness": "healthcare", construction: "contractor", contractor: "contractor", "contractor & construction": "contractor", "auto services": "auto", auto: "auto", "beauty & personal care": "beauty", beauty: "beauty", "transportation & logistics": "logistics", logistics: "logistics", "professional services": "professional", professional: "professional", manufacturing: "other", hospitality: "other", other: "other", }; function indValueFromProfile(user, catalog) { const raw = user && (user.industry || user.Industry); if (!raw) return null; const key = String(raw).trim().toLowerCase(); const mapped = PROFILE_TO_INSIGHTS_INDUSTRY[key] || null; const list = catalog && catalog.length ? catalog : indFallbackCatalog(); if (mapped && list.some((i) => i.value === mapped)) return mapped; // Direct match on catalog value or label const byValue = list.find((i) => i.value === key || String(i.value).toLowerCase() === key); if (byValue) return byValue.value; const byLabel = list.find((i) => String(i.label).toLowerCase() === key); return byLabel ? byLabel.value : null; } function indTopbarBusiness(user, profileLoaded) { return { name: indBusinessDisplayName(user), owner: indOwnerDisplayName(user), city: indCityDisplay(user), duns: (user && (user.duns || user.duns_number)) || "", dunsLoading: !profileLoaded, bank: "", }; } /** True when the list-industries payload is usable. */ function isValidIndustriesPayload(raw) { const list = raw && (raw.industries || raw.data && raw.data.industries); return Array.isArray(list) && list.length > 0; } /** True when the insights payload has the minimum fields the dashboard needs. */ function isValidInsightsPayload(raw) { return !!( raw && Array.isArray(raw.snapshot) && raw.snapshot.length && raw.inflow && Array.isArray(raw.inflow.you) && raw.inflow.you.length === 12 && raw.outflow && Array.isArray(raw.outflow.you) && raw.balance && Array.isArray(raw.balance.you) ); } /** Normalize snake_case API payload → shape expected by ii-* components. */ function normalizeInsightsData(raw) { if (!raw) return null; const snapshot = (raw.snapshot || []).map((m) => ({ ...m, trendDir: m.trendDir || m.trend_dir, })); const sbfeRaw = raw.sbfe || {}; const repaymentRaw = raw.repayment || {}; return { cohort: raw.cohort || { n: 0, spec: "" }, snapshot, inflow: raw.inflow, outflow: raw.outflow, balance: raw.balance, bounce: raw.bounce || { count: 0, prev: 0, ind: 0, spark: [] }, repayment: { avg: repaymentRaw.avg, pctInflow: repaymentRaw.pctInflow != null ? repaymentRaw.pctInflow : repaymentRaw.pct_inflow, indPct: repaymentRaw.indPct != null ? repaymentRaw.indPct : repaymentRaw.ind_pct, inflow: repaymentRaw.inflow, composition: repaymentRaw.composition || [], }, sbfe: { you: sbfeRaw.you, ind: sbfeRaw.ind, min: sbfeRaw.min != null ? sbfeRaw.min : 300, max: sbfeRaw.max != null ? sbfeRaw.max : 1000, youDelta: sbfeRaw.youDelta != null ? sbfeRaw.youDelta : sbfeRaw.you_delta, indDelta: sbfeRaw.indDelta != null ? sbfeRaw.indDelta : sbfeRaw.ind_delta, youHist: sbfeRaw.youHist || sbfeRaw.you_hist || [], indHist: sbfeRaw.indHist || sbfeRaw.ind_hist || [], indRange: sbfeRaw.indRange || sbfeRaw.ind_range || [300, 1000], }, flexLine: raw.flexLine || raw.flex_line || { you: 0, ind: 0, range: [0, 0] }, buffer: raw.buffer || { you: 0, ind: 0, range: [0, 0] }, factors: raw.factors || [], industryBuffer: raw.industryBuffer || raw.industry_buffer || [], fundingUse: raw.fundingUse || raw.funding_use || [], challenges: raw.challenges || [], topPerformers: raw.topPerformers || raw.top_performers || [], education: raw.education || [], months: Array.isArray(raw.months) && raw.months.length === 12 ? raw.months : null, industries: indSortCatalog(raw.industries || []), selectedIndustry: raw.selected_industry || raw.selectedIndustry || null, defaultIndustry: raw.default_industry || raw.defaultIndustry || null, asOf: raw.as_of || raw.asOf || null, }; } function normalizeIndustriesResponse(raw) { const src = raw && raw.industries ? raw : (raw && raw.data) || raw || {}; const list = indSortCatalog(src.industries || []); return { industries: list, defaultIndustry: src.default_industry || src.defaultIndustry || (list[0] && list[0].value) || null, }; } function buildMockInsightsBundle(industryValue, formOverrides) { const fallbackList = indFallbackCatalog(); const industry = industryValue || fallbackList[0].value; const industryLabel = (fallbackList.find((i) => i.value === industry) || fallbackList[0]).label; const form = { ...IND_MOCK_DEFAULTS, ...(formOverrides || {}), industry }; const bm = computeBenchmarks(form); const D = buildInsightsData(industry, industryLabel, form, bm); return { ...D, months: II_MONTHS_FALLBACK.slice(), industries: fallbackList, selectedIndustry: industry, defaultIndustry: fallbackList[0].value, asOf: new Date().toISOString().slice(0, 10), }; } async function fetchIndustriesCatalog() { if (!indLiveApiEnabled()) { return { ok: false, data: null, error: "Live Industry Insights API is off (RBI_ENV.industryInsightsLive).", }; } if (!window.RBI_API || !window.RBI_API.listIndustries) { return { ok: false, data: null, error: "API unavailable" }; } try { const res = await window.RBI_API.listIndustries(); if (res.ok && isValidIndustriesPayload(res.data)) { return { ok: true, data: normalizeIndustriesResponse(res.data), error: null }; } const msg = (res.data && (res.data.errorMessage || res.data.message || res.data.error)) || "Unable to load industries."; return { ok: false, data: null, error: msg }; } catch (err) { return { ok: false, data: null, error: (err && err.message) || "Network error" }; } } async function fetchIndustryInsights(email, industry) { if (!indLiveApiEnabled()) { return { ok: false, data: null, error: "Live Industry Insights API is off (RBI_ENV.industryInsightsLive).", }; } if (!window.RBI_API || !window.RBI_API.industryInsights) { return { ok: false, data: null, error: "API unavailable" }; } if (!email || !industry) { return { ok: false, data: null, error: "Email and industry are required." }; } try { const res = await window.RBI_API.industryInsights({ email, industry }); if (res.ok && isValidInsightsPayload(res.data)) { return { ok: true, data: normalizeInsightsData(res.data), error: null }; } const msg = (res.data && (res.data.errorMessage || res.data.message || res.data.error)) || "Unable to load industry insights."; return { ok: false, data: null, error: msg }; } catch (err) { return { ok: false, data: null, error: (err && err.message) || "Network error" }; } } // ── Chart-format helpers ─────────────────────────────────────────────────── const iiUSD = (n, short) => short ? (Math.abs(n) >= 1000 ? "$" + (n / 1000).toFixed(n % 1000 === 0 ? 0 : 1) + "K" : "$" + Math.round(n)) : "$" + Math.round(n).toLocaleString("en-US"); const iiFmt = (n, unit, short) => unit === "$" ? iiUSD(n, short) : unit === "%" ? Math.round(n) + "%" : Math.round(n).toLocaleString("en-US"); function niceBounds(vals, pad) { pad = pad == null ? 0.12 : pad; const lo = Math.min(...vals), hi = Math.max(...vals); const span = hi - lo || 1; return [lo - span * pad, hi + span * pad]; } function linePath(vals, W, H, lo, hi, pl, pr, pt, pb) { const iw = W - pl - pr, ih = H - pt - pb; return vals.map((v, i) => { const x = pl + (iw * i) / (vals.length - 1); const y = pt + ih - ((v - lo) / (hi - lo)) * ih; return (i ? "L" : "M") + x.toFixed(1) + " " + y.toFixed(1); }).join(" "); } const ptAt = (vals, i, W, H, lo, hi, pl, pr, pt, pb) => { const iw = W - pl - pr, ih = H - pt - pb; return [pl + (iw * i) / (vals.length - 1), pt + ih - ((vals[i] - lo) / (hi - lo)) * ih]; }; // ── Chart primitives (hand-built SVG, no chart library) ─────────────────── function IIDualLine({ months, a, b, labelA, labelB, colorA, colorB, unit, height, summary }) { colorA = colorA || "var(--gg-100)"; colorB = colorB || "var(--tt-40)"; unit = unit == null ? "$" : unit; height = height || 250; const [hi_, setHi] = useIndState(null); const W = 900, H = height, pl = 62, pr = 16, pt = 16, pb = 34; const [lo, hi] = niceBounds([...a, ...b]); const ticks = [0, 0.25, 0.5, 0.75, 1].map(f => lo + (hi - lo) * f); const iw = W - pl - pr; return (
{labelA} {/* {labelB} */} {/* {summary ? {summary.dir === "down" ? "▾" : "▴"} {summary.text} : null} */}
setHi(null)}> { const r = e.currentTarget.getBoundingClientRect(); const x = ((e.clientX - r.left) / r.width) * W; const i = Math.round(((x - pl) / iw) * (a.length - 1)); setHi(Math.max(0, Math.min(a.length - 1, i))); }}> {ticks.map((t, i) => { const y = pt + (H - pt - pb) * (1 - i / 4); return {iiFmt(t, unit, true)}; })} {months.map((m, i) => {m})} {/* */} {hi_ != null ? (() => { const [xa, ya] = ptAt(a, hi_, W, H, lo, hi, pl, pr, pt, pb); const [, yb] = ptAt(b, hi_, W, H, lo, hi, pl, pr, pt, pb); return ; })() : null} {hi_ != null ? (
a.length / 2 ? "translate(-104%,0)" : "translate(4%,0)" }}>
{months[hi_]}
{labelA}{iiFmt(a[hi_], unit)}
{labelB}{iiFmt(b[hi_], unit)}
) : null}
); } function IIAreaBand({ months, series, lo: bandLo, hi: bandHi, label, bandLabel }) { const [hi_, setHi] = useIndState(null); const W = 900, H = 250, pl = 62, pr = 16, pt = 16, pb = 34; const [lo, hi] = niceBounds([...series, ...bandLo, ...bandHi]); const iw = W - pl - pr, ih = H - pt - pb; const yOf = v => pt + ih - ((v - lo) / (hi - lo)) * ih; const xOf = i => pl + (iw * i) / (months.length - 1); const band = bandHi.map((v, i) => `${i ? "L" : "M"}${xOf(i)} ${yOf(v)}`).join(" ") + " " + bandLo.slice().reverse().map((v, i) => `L${xOf(bandLo.length - 1 - i)} ${yOf(v)}`).join(" ") + " Z"; return (
{label} {/* {bandLabel} */}
setHi(null)}> { const r = e.currentTarget.getBoundingClientRect(); const x = ((e.clientX - r.left) / r.width) * W; setHi(Math.max(0, Math.min(months.length - 1, Math.round(((x - pl) / iw) * (months.length - 1))))); }}> {[0, 0.25, 0.5, 0.75, 1].map((f, i) => { const y = pt + ih * (1 - f); return {iiUSD(lo + (hi - lo) * f, true)}; })} {months.map((m, i) => {m})} {/* */} `${i ? "L" : "M"}${xOf(i)} ${yOf(v)}`).join(" ") + ` L${xOf(series.length - 1)} ${pt + ih} L${pl} ${pt + ih} Z`} fill="url(#iiAreaG)" /> `${i ? "L" : "M"}${xOf(i)} ${yOf(v)}`).join(" ")} fill="none" stroke="var(--fp-100)" strokeWidth="2.6" /> {hi_ != null ? : null} {hi_ != null ? (
months.length / 2 ? "translate(-104%,0)" : "translate(4%,0)" }}>
{months[hi_]}
{label}{iiUSD(series[hi_])}
{/*
Typical range{iiUSD(bandLo[hi_], true)}–{iiUSD(bandHi[hi_], true)}
*/}
) : null}
); } function IISpark({ values, color, w, h }) { color = color || "var(--gg-100)"; w = w || 120; h = h || 34; const [lo, hi] = niceBounds(values, 0.2); return ; } function IIGauge({ value, min, max, marker, markerLabel }) { const W = 340, H = 196, cx = W / 2, cy = 172, r = 132; const ang = v => Math.PI * (1 - (v - min) / (max - min)); const pol = (a, rr) => [cx + rr * Math.cos(a), cy - rr * Math.sin(a)]; const arc = (from, to, rr) => { const p1 = pol(ang(from), rr), p2 = pol(ang(to), rr); return `M${p1[0]} ${p1[1]} A${rr} ${rr} 0 0 1 ${p2[0]} ${p2[1]}`; }; const mp = pol(ang(marker), r); const mp2 = pol(ang(marker), r - 26); return (
{value} SBFE Score {min} {max} {/*

{markerLabel}

*/}
); } function IIBullet({ min, max, you, ind, unit, youLabel, indLabel, bandLabel, band }) { unit = unit || ""; youLabel = youLabel || "Your business"; indLabel = indLabel || "Industry average"; const pct = v => ((v - min) / (max - min)) * 100; return (
{bandLabel ?
{bandLabel} {iiFmt(band[0], unit, true)}–{iiFmt(band[1], unit, true)}
: null}
{you != null ? {youLabel} {iiFmt(you, unit, true)} : null}
{band ?
: null} {you != null ?
: null} {/*
*/} {you != null ?
: null}
{/*
{indLabel} {iiFmt(ind, unit, true)}
*/}
{iiFmt(min, unit, true)}{iiFmt(max, unit, true)}
); } function IIHBars({ rows, unit, max }) { unit = unit || "$"; const m = max || Math.max(...rows.map(r => r.value)) * 1.15; return (
{rows.map(r => (
{r.label}
{iiFmt(r.value, unit, true)}
))}
); } function IIStackBar({ total, parts }) { return (
{parts.map(p =>
)}
{parts.map(p => {p.label}{iiUSD(p.value, true)}{Math.round((p.value / total) * 100)}%)}
); } function IIDonut({ slices }) { const total = slices.reduce((s, x) => s + x.value, 0); const R = 84, r = 54, cx = 100, cy = 100; let acc = -Math.PI / 2; return (
{slices.map(s => { const a0 = acc, a1 = acc + (s.value / total) * Math.PI * 2; acc = a1; const large = a1 - a0 > Math.PI ? 1 : 0; const p = (rr, a) => [cx + rr * Math.cos(a), cy + rr * Math.sin(a)]; const p1 = p(R, a0), p2 = p(R, a1), p3 = p(r, a1), p4 = p(r, a0); return ; })}
{slices.map(s =>
{s.label}{s.value}%
)}
); } function IIColumns({ months, values, unit, color }) { unit = unit || "%"; color = color || "var(--gg-60)"; const max = Math.max(...values) * 1.15; return (
{values.map((v, i) => (
{v}{unit}
{months[i]}
))}
); } // ── Icons for challenge / education tiles ───────────────────────────────── const InsIcon = ({ d, size }) => {d}; const IND_ICONS = { labor: <>, inventory: <>, bolt: <>, flag: <>, cash: <>, score: <>, funding: <>, }; // ── MOCK CONTROLS PANEL ─────────────────────────────────────────────────── function IndMockControls({ controls, onChange, onClose }) { const revPct = (controls.revenue / 500000 * 100).toFixed(2); const sliderBg = `linear-gradient(to right, var(--growth-galaxy) 0%, var(--growth-galaxy) ${revPct}%, var(--border-strong) ${revPct}%, var(--border-strong) 100%)`; return (
{ if (e.target === e.currentTarget) onClose(); }}>
Mock Controls
Business Profile
onChange("revenue", Number(e.target.value))} />
$0$500K
onChange("years", e.target.value)} />
onChange("region", e.target.value)} />
Sections
); } // ── Hero ─────────────────────────────────────────────────────────────────── function InsHero({ industry, industryLabel, onChangeIndustry, onBack, cohortN, industries, isSample }) { const options = industries && industries.length ? industries : indFallbackCatalog(); return (

Industry insights & benchmarking

{/* · cohort of {(cohortN || 0).toLocaleString("en-US")}

*/}

Your Business vs. the {industryLabel} Industry

Understand how your business financial factors that may influence funding readiness.

{/*
{isSample ? Sample data · illustrative : null}
*/}
); } // ── Section 1 — snapshot ────────────────────────────────────────────────── function InsSnapshot({ D }) { const badgeLabel = { above: "Above Average", near: "Near Average", below: "Below Average" }; return (
Your business · vs industry

Your Business Snapshot

{/*

Business vs. Industry Snapshot

*/} {/*

{D.cohort.spec} · n = {(D.cohort.n || 0).toLocaleString("en-US")}.

*/}
{D.snapshot.slice(0, 4).map(m => { const diff = m.you - m.ind; const sign = diff > 0 ? "+" : "−"; const diffTxt = m.unit === "$" ? sign + iiUSD(Math.abs(diff), true) : m.unit === "%" ? sign + Math.abs(diff) + " pts" : sign + Math.abs(diff) + " points"; return (
{m.label}
{iiFmt(m.you, m.unit)}
{/* Hidden for now */} {/*
Industry average{iiFmt(m.ind, m.unit, true)}
{diffTxt} {badgeLabel[m.status]}
{m.note}{m.trendDir === "up" ? "▴" : "▾"} {m.trend}
*/}
); })}
); } // ── Section 2 — cash flow health ────────────────────────────────────────── function InsCashFlow({ D, months }) { return (
Your business · vs industry

How Is Your Cash Flow?

{/*

How Your Cash Flow Compares

*/} {/*

See how your business's cash flow patterns flows in your industry.

*/} {/*

See how your business's cash flow patterns compare with similar businesses in your industry.

*/}

Monthly cash inflow

Total deposits per month of your business.

{/*

Total deposits per month, your business against the cohort average.

*/}
= D.inflow.you[0] ? "Up" : "Down"} ${Math.abs(((D.inflow.you[11] - D.inflow.you[0]) / D.inflow.you[0]) * 100).toFixed(1)}% over 12 months`, dir: D.inflow.you[11] >= D.inflow.you[0] ? "up" : "down" }} />

Monthly cash outflow

Total spend per month.

{/*

Total spend per month, your business against the cohort average.

*/}
= D.outflow.you[0] ? "Up" : "Down"} ${Math.abs(((D.outflow.you[11] - D.outflow.you[0]) / D.outflow.you[0]) * 100).toFixed(1)}% over 12 months`, dir: "down" }} />

Average monthly starting balance

Your month-opening balance

{/*

Your month-opening balance against the typical industry range.

*/}

{D.balance.you[11] < D.balance.lo[11] ? "Your starting balance has recently dipped below the bottom of the typical industry range — a key driver of the Cash Buffer flag below." : "Your starting balance has tracked within the typical industry range over the last 12 months."}

{/* Hidden for now */} {false &&

Bounce payments

Returned or failed payments in the last 90 days.

{D.bounce.count <= D.bounce.ind ? "Above Average" : "Near Average"}
{D.bounce.count}
Change from prior period{D.bounce.count - D.bounce.prev >= 0 ? "+" : "−"}{Math.abs(D.bounce.count - D.bounce.prev)} vs. {D.bounce.prev}
Industry average{D.bounce.ind}

{D.bounce.count < D.bounce.prev ? `Down from ${D.bounce.prev} last quarter. ` : ""}Returned payments are read as a short-term liquidity signal, so the trend matters more than the count.

Repayment deductions

Average monthly repayments as a share of inflow.

D.repayment.indPct ? "below" : "above")}>{D.repayment.pctInflow > D.repayment.indPct ? "Above Average" : "Below Average"}
{iiUSD(D.repayment.avg)}
{D.repayment.pctInflow}%
of monthly inflow
Industry average share of inflow{D.repayment.indPct}%
Where your monthly inflow goes

Monthly inflow {iiUSD(D.repayment.inflow)} · a higher repayment share leaves less room for new financing.

}
); } // ── Section 3 — credit / SBFE ───────────────────────────────────────────── function InsCredit({ D, months, showHistory }) { const S = D.sbfe; return (
Your business · vs industry

Your Business Credit

{/*

Your Business Credit vs. Your Industry

*/} {/*

Understand how your business credit profile compares with similar businesses.

*/}
= S.ind ? "+" : "−"}${Math.abs(S.you - S.ind)} points ${S.you >= S.ind ? "above" : "below"} the industry average of ${S.ind}`} />

Where you sit on the scale

SBFE scores run {S.min}–{S.max}. The shaded area is the typical industry range.

Your 12-month change+{S.youDelta} points
{/* Hidden for now */} {/*
Industry 12-month change+{S.indDelta} points
*/}
{/* {S.youDelta >= S.indDelta ? (
▴Your score improved {S.youDelta - S.indDelta} points more than similar businesses over the same period.
) : (
ⓘIndustry scores rose +{S.indDelta} points on average, {S.indDelta - S.youDelta} more than your business, over the last 12 months.
)} */}
{/* {showHistory ? (

Score trend, last 12 months

Your SBFE score against the industry average.

= S.indDelta ? "widening gap vs. industry" : "narrowing gap vs. industry"}`, dir: "up" }} />
) : null} */}
); } // ── Section 4 — working capital ─────────────────────────────────────────── function InsWorkingCapital({ D }) { return (
Your business · vs industry

How Businesses Use Available Working Capital

Understand how your working capital usage compares with similar businesses.

Average flex line amount

Available working capital line, you against the industry average.

Industry typical range{iiUSD(D.flexLine.range[0], true)}–{iiUSD(D.flexLine.range[1], true)}
Difference vs. industry= D.flexLine.ind ? "#0A7D67" : "#B85C1E" }}>{D.flexLine.you >= D.flexLine.ind ? "+" : "−"}{iiUSD(Math.abs(D.flexLine.you - D.flexLine.ind), true)}

Cash buffer utilization

Share of available working capital currently in use.

{D.buffer.you <= D.buffer.ind + 5 ? "Near Average" : "Above Average"}
{D.buffer.you}%
Industry average {D.buffer.ind}%

Higher utilization may indicate greater reliance on available working capital to cover day-to-day operations. It is not automatically negative — but sustained high usage alongside a thin cash buffer is a pattern lenders notice.

); } // ── Section 5 — funding readiness factors ───────────────────────────────── function InsFactors({ D }) { const statusLabel = { strong: "Strong", moderate: "Moderate", attention: "Needs Attention" }; return (
Your business · vs industry

What May Influence Your Funding Readiness

These are the financial factors lenders most often review.

{/*

Each is compared with similar businesses in your industry — none is a score or a decision.

*/}
{D.factors.map(f => (
window.open(f.link, "_blank", "noopener,noreferrer")}>

{f.label}

{statusLabel[f.status]}

{f.note}

{/* Hidden for now */} {/*
{f.you} {f.ind}
*/} window.open(f.link, "_blank", "noopener,noreferrer")}>Learn More →
))}
ⓘ These factors are shown for education. Revenued does not publish a single overall funding readiness score, because no approved scoring model combines these signals.
); } // ── Section 6 — industry performance ────────────────────────────────────── function InsIndustryPerformance({ D, months, industryLabel }) { return (
Industry only

How the Industry Is Performing

Aggregate trends across {(D.cohort.n || 0).toLocaleString("en-US")} {industryLabel} businesses over the last 12 months.

Industry cash inflow

Average monthly deposits across the cohort.

v * 0.9)} labelA="Industry average" labelB="Prior year" colorA="var(--gg-100)" summary={{ text: `+${Math.abs(((D.inflow.ind[11] - D.inflow.ind[0]) / D.inflow.ind[0]) * 100).toFixed(1)}% vs. 12 months ago`, dir: "up" }} />

Industry cash outflow

Average monthly spend across the cohort.

v * 0.9)} labelA="Industry average" labelB="Prior year" colorA="var(--color-warning)" summary={{ text: `+${Math.abs(((D.outflow.ind[11] - D.outflow.ind[0]) / D.outflow.ind[0]) * 100).toFixed(1)}% vs. 12 months ago`, dir: "down" }} />

Industry average cash buffer

Share of available working capital held in reserve.

How businesses use funding

Most common working capital use cases.

); } // ── Section 7 — common challenges ───────────────────────────────────────── function InsChallenges({ D, industryLabel, onNav }) { const icons = [IND_ICONS.labor, IND_ICONS.inventory, IND_ICONS.bolt, IND_ICONS.flag]; return (
Industry only

Common Industry Challenges

Pressures that most {industryLabel} operators manage, and that show up in cash flow patterns.

{D.challenges.map((c, i) => (

{c.label}

{c.note}

))}
{/* */}
); } // ── Section 8 — top performers ───────────────────────────────────────────── function InsTopPerformers({ D }) { return (
Industry only · anonymized

What Top-Performing Businesses Do Differently

Aggregated characteristics of the strongest-performing quartile compared with the industry average. No individual business is identified.

{D.topPerformers.map(r => )}
MetricTop performersIndustry average
{r.metric}{r.top}{r.ind}
); } // ── Section 9 — education ───────────────────────────────────────────────── function InsEducation({ D, onNav }) { const icons = [IND_ICONS.cash, IND_ICONS.score, IND_ICONS.funding]; return (

Improve Your Business Financial Profile

Short, practical guides on the factors above — written for owners, not analysts.

{D.education.map((e, i) => (
{e.tag}

{e.title}

{e.note}

{/* Learn More → */}
))}
); } // ── Section 10 — final CTA ──────────────────────────────────────────────── function InsFinalCTA({ onPrimary, onSecondary }) { return (

Understand Your Financial Profile Before Your Next Funding Decision

Review the full credit report behind these benchmarks, then work through what moves each factor.

); } // ── Page footer (shared look with other RBI pages) ──────────────────────── function Footer() { return ( ); } // ── INDUSTRY PICKER (Phase 1, unchanged) ────────────────────────────────── function IndustryPicker({ industries, loading, error, onRetry, onSelect, initialSelected }) { const [selected, setSelected] = useIndState(initialSelected || ""); const list = industries && industries.length ? industries : indFallbackCatalog(); useIndEffect(() => { if (initialSelected && !selected) setSelected(initialSelected); }, [initialSelected]); if (loading) { return (
); } if (error && !(industries && industries.length)) { return (

Unable to load industries

{error}

{onRetry ? ( ) : null}
); } return (
Industry Insights & Benchmarking

What industry are you in?

Select your industry to unlock personalized benchmarks, peer comparisons, and funding insights. You can only choose once.

{list.map(ind => ( ))}
); } // ── DASHBOARD (Phase 2 — redesigned) ────────────────────────────────────── function IndDashboard({ industry, onSelectIndustry, onBack, email, profileLoaded, industryCatalog, catalogIsSample, profileUser }) { const [controls, setControls] = useIndState(IND_MOCK_DEFAULTS); const [showMock, setShowMock] = useIndState(false); const [loading, setLoading] = useIndState(false); const [error, setError] = useIndState(null); const [isSample, setIsSample] = useIndState(true); const [bundle, setBundle] = useIndState(() => { const mock = buildMockInsightsBundle(industry, IND_MOCK_DEFAULTS); if (industryCatalog && industryCatalog.length) mock.industries = industryCatalog; return mock; }); const reqIdRef = useIndRef(0); const controlsRef = useIndRef(controls); controlsRef.current = controls; const applyMock = useIndCallback((indValue, form) => { const mock = buildMockInsightsBundle(indValue, form || controlsRef.current); if (industryCatalog && industryCatalog.length) mock.industries = industryCatalog; setBundle(mock); setIsSample(true); setLoading(false); }, [industryCatalog]); const loadDashboard = useIndCallback(() => { const reqId = ++reqIdRef.current; // BE not ready — stay on sample data (no network calls). if (!indLiveApiEnabled()) { applyMock(industry, controlsRef.current); setError(null); return; } if (!email && !profileLoaded) { setLoading(true); setError(null); return; } if (!email) { if (reqId !== reqIdRef.current) return; applyMock(industry, controlsRef.current); setError(null); return; } setLoading(true); setError(null); fetchIndustryInsights(email, industry).then((res) => { if (reqId !== reqIdRef.current) return; if (res.ok && res.data) { if ((!res.data.industries || !res.data.industries.length) && industryCatalog && industryCatalog.length) { res.data.industries = industryCatalog; } setBundle(res.data); setIsSample(false); setError(null); if (res.data.selectedIndustry && res.data.selectedIndustry !== industry) { const locked = window.RBI_API && window.RBI_API.isIndustryLocked && window.RBI_API.isIndustryLocked(profileUser); if (!locked) onSelectIndustry(res.data.selectedIndustry); } } else { applyMock(industry, controlsRef.current); setError(res.error || "Unable to load industry insights."); } setLoading(false); }); }, [email, profileLoaded, industry, industryCatalog, onSelectIndustry, applyMock]); useIndEffect(() => { loadDashboard(); }, [loadDashboard]); // When mock controls change and we're on sample data, rebuild locally. useIndEffect(() => { if (!isSample) return; applyMock(industry, controls); }, [controls.revenue, controls.years, controls.credit, controls.region, isSample, industry, applyMock]); const updateControl = (key, val) => setControls((p) => ({ ...p, [key]: val })); const goToCreditReport = () => window.RBI_NAV("creditscore"); const industriesForUi = (bundle && bundle.industries && bundle.industries.length) ? bundle.industries : (industryCatalog && industryCatalog.length ? industryCatalog : indFallbackCatalog()); const industryLabel = (industriesForUi.find((i) => i.value === industry) || {}).label || (bundle && bundle.cohort && bundle.cohort.label) || industry; const D = bundle; const months = (D && D.months) || II_MONTHS_FALLBACK; return (
setShowMock(true) : undefined} /> {showMock && isSample && ( setShowMock(false)} /> )}
{loading || !D ? (
) : ( <> {error && isSample && indLiveApiEnabled() ? (
Showing sample data — {error}
) : null} {/* */} {/* */} {/* */} {/* */} )}
); } // ── Root ────────────────────────────────────────────────────────────────── function useIndProfile() { // Local profile hook only — do not call app.jsx useProfile (separate Babel scope / hooks rules). const [state, setState] = useIndState(() => { const p = (window.RBI_API && window.RBI_API.profile()) || {}; return { profile: p, settled: !!(p && p.email) }; }); useIndEffect(() => { let alive = true; function onProfile(e) { if (alive) setState({ profile: (e.detail && e.detail.profile) || {}, settled: true }); } window.addEventListener("rbi:profile", onProfile); if (window.RBI_API && window.RBI_API.ensureProfile) { window.RBI_API.ensureProfile() .then((p) => { if (alive) setState({ profile: p || {}, settled: true }); }) .catch(() => { if (alive) setState({ profile: {}, settled: true }); }); } else { setState((s) => ({ ...s, settled: true })); } return () => { alive = false; window.removeEventListener("rbi:profile", onProfile); }; }, []); return [state.profile, state.settled]; } function InsApp() { const [industry, setIndustry] = useIndState(null); const [user, profileLoaded] = useIndProfile(); const email = indCustomerEmail(user); const [catalog, setCatalog] = useIndState(() => indFallbackCatalog()); const [defaultIndustry, setDefaultIndustry] = useIndState(() => { const list = indFallbackCatalog(); return (list[0] && list[0].value) || "restaurant"; }); const [catalogLoading, setCatalogLoading] = useIndState(false); const [catalogError, setCatalogError] = useIndState(null); const [isSampleCatalog, setIsSampleCatalog] = useIndState(true); const profileIndustry = indValueFromProfile(user, catalog); const isDeclinedUser = !!(window.RBI_API && window.RBI_API.isDeclinedUser && window.RBI_API.isDeclinedUser(user)); const declinedIndustry = (window.RBI_ENV && window.RBI_ENV.declinedDefaultIndustry) || "restaurant"; const industryLocked = !!(window.RBI_API && window.RBI_API.isIndustryLocked && window.RBI_API.isIndustryLocked(user)); const lockedIndustry = isDeclinedUser ? (profileIndustry || declinedIndustry) : (profileIndustry || (window.RBI_API && window.RBI_API.getLockedIndustry && window.RBI_API.getLockedIndustry()) || ""); // Declined users are pre-filled; other users must pick (no catalog default). const pickerInitial = isDeclinedUser ? (profileIndustry || declinedIndustry) : (profileIndustry || ""); const autoOpenedLocked = useIndRef(false); const loadCatalog = useIndCallback(() => { // Instant local catalog — never leave the picker empty while the live call runs. const fallback = indFallbackCatalog(); setCatalog(fallback); setDefaultIndustry((fallback[0] && fallback[0].value) || "restaurant"); setIsSampleCatalog(true); if (!indLiveApiEnabled()) { setCatalogLoading(false); setCatalogError(null); return; } setCatalogLoading(true); setCatalogError(null); fetchIndustriesCatalog().then((res) => { if (res.ok && res.data) { setCatalog(res.data.industries); setDefaultIndustry(res.data.defaultIndustry || (res.data.industries[0] && res.data.industries[0].value) || "restaurant"); setIsSampleCatalog(false); setCatalogError(null); } else { setCatalog(fallback); setDefaultIndustry((fallback[0] && fallback[0].value) || "restaurant"); setIsSampleCatalog(true); setCatalogError(res.error || "Unable to load industries."); } setCatalogLoading(false); }); }, []); useIndEffect(() => { loadCatalog(); }, [loadCatalog]); // Once an industry is locked (declined default, or a one-time pick), open // that dashboard and never return to the picker. useIndEffect(() => { if (autoOpenedLocked.current || industry || !profileLoaded || !lockedIndustry) return; autoOpenedLocked.current = true; setIndustry(lockedIndustry); }, [lockedIndustry, profileLoaded, industry]); const handleSelect = (ind) => { if (industryLocked) return; if (window.RBI_API && window.RBI_API.lockIndustry) window.RBI_API.lockIndustry(ind); setIndustry(ind); window.scrollTo({ top: 0, behavior: "smooth" }); }; const handleBack = () => { if (industryLocked) return; setIndustry(null); window.scrollTo({ top: 0, behavior: "smooth" }); }; const handleChangeIndustry = (ind) => { if (industryLocked) return; setIndustry(ind); }; if (industry) { return ( ); } return (
); } window.InsApp = InsApp;