instant_quote 1.4.0 → 1.6.2

checksums.yaml

@@ -1,7 +1,7 @@
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+  data.tar.gz: cb94c2781c903afe2ae45e61dd1180ffa739752a2c604f42c01dd81fe6bb111b3ccd43168f21e0968c8b0f803c6f078ade80fffa524d1aaed2365dfd6fcb3095

data/.rubocop.yml

@@ -1,3 +1,14 @@
+AllCops:
+  TargetRubyVersion: 2.6
+  NewCops: enable
+
+require:
+  - rubocop-rake
+  - rubocop-rspec
+
+Gemspec/RequiredRubyVersion:
+  Enabled: false
+
 Layout/LineLength:
   Max: 100
 
@@ -24,3 +35,6 @@ Style/HashTransformKeys:
 
 Style/HashTransformValues:
   Enabled: true
+
+RSpec/MultipleExpectations:
+  Enabled: false

data/.travis.yml

@@ -5,3 +5,6 @@ cache: bundler
 rvm:
   - 2.6.3
 before_install: gem install bundler -v 2.0.2
+script:
+  - bundle exec rspec --fail-fast
+  - bundle exec rubocop

data/Gemfile.lock

@@ -1,46 +1,50 @@
 PATH
   remote: .
   specs:
-    instant_quote (1.4.0)
+    instant_quote (1.6.2)
       activesupport
       capital_on_tap
       iwoca
       money
       optimum
       phonelib
+      youlend
 
 GEM
   remote: https://rubygems.org/
   specs:
-    activesupport (6.0.3.3)
+    activesupport (6.1.1)
       concurrent-ruby (~> 1.0, >= 1.0.2)
-      i18n (>= 0.7, < 2)
-      minitest (~> 5.1)
-      tzinfo (~> 1.1)
-      zeitwerk (~> 2.2, >= 2.2.2)
+      i18n (>= 1.6, < 2)
+      minitest (>= 5.1)
+      tzinfo (~> 2.0)
+      zeitwerk (~> 2.3)
     addressable (2.7.0)
       public_suffix (>= 2.0.2, < 5.0)
-    ast (2.4.0)
-    byebug (11.1.1)
+    ast (2.4.2)
+    byebug (11.1.3)
     capital_on_tap (1.0.0)
       addressable
       faraday
       faraday_middleware
       multi_json
       rainbow
-    coderay (1.1.2)
-    concurrent-ruby (1.1.7)
-    crack (0.4.3)
-      safe_yaml (~> 1.0.0)
-    diff-lcs (1.3)
-    docile (1.3.2)
-    dotenv (2.7.5)
-    faraday (1.0.1)
+    coderay (1.1.3)
+    concurrent-ruby (1.1.8)
+    crack (0.4.5)
+      rexml
+    diff-lcs (1.4.4)
+    docile (1.3.5)
+    dotenv (2.7.6)
+    faraday (1.3.0)
+      faraday-net_http (~> 1.0)
       multipart-post (>= 1.2, < 3)
+      ruby2_keywords
+    faraday-net_http (1.0.1)
     faraday_middleware (1.0.0)
       faraday (~> 1.0)
     hashdiff (1.0.1)
-    i18n (1.8.5)
+    i18n (1.8.8)
       concurrent-ruby (~> 1.0)
     iwoca (1.0.0)
       addressable
@@ -48,69 +52,84 @@ GEM
       faraday_middleware
       multi_json
       rainbow
-    jaro_winkler (1.5.4)
     method_source (1.0.0)
-    minitest (5.14.2)
-    money (6.13.8)
+    minitest (5.14.3)
+    money (6.14.0)
       i18n (>= 0.6.4, <= 2)
     multi_json (1.15.0)
     multipart-post (2.1.1)
-    optimum (1.0.0)
+    optimum (1.1.0)
       addressable
       faraday
       faraday_middleware
       multi_json
       rainbow
-    parallel (1.19.1)
-    parser (2.7.0.5)
-      ast (~> 2.4.0)
-    phonelib (0.6.45)
-    pry (0.13.0)
+    parallel (1.20.1)
+    parser (3.0.0.0)
+      ast (~> 2.4.1)
+    phonelib (0.6.48)
+    pry (0.13.1)
       coderay (~> 1.1)
       method_source (~> 1.0)
     pry-byebug (3.9.0)
       byebug (~> 11.0)
       pry (~> 0.13.0)
-    public_suffix (4.0.3)
+    public_suffix (4.0.6)
     rainbow (3.0.0)
     rake (10.5.0)
+    regexp_parser (2.0.3)
     rexml (3.2.4)
-    rspec (3.9.0)
-      rspec-core (~> 3.9.0)
-      rspec-expectations (~> 3.9.0)
-      rspec-mocks (~> 3.9.0)
-    rspec-core (3.9.1)
-      rspec-support (~> 3.9.1)
-    rspec-expectations (3.9.1)
+    rspec (3.10.0)
+      rspec-core (~> 3.10.0)
+      rspec-expectations (~> 3.10.0)
+      rspec-mocks (~> 3.10.0)
+    rspec-core (3.10.1)
+      rspec-support (~> 3.10.0)
+    rspec-expectations (3.10.1)
       diff-lcs (>= 1.2.0, < 2.0)
-      rspec-support (~> 3.9.0)
-    rspec-mocks (3.9.1)
+      rspec-support (~> 3.10.0)
+    rspec-mocks (3.10.2)
       diff-lcs (>= 1.2.0, < 2.0)
-      rspec-support (~> 3.9.0)
-    rspec-support (3.9.2)
-    rubocop (0.80.1)
-      jaro_winkler (~> 1.5.1)
+      rspec-support (~> 3.10.0)
+    rspec-support (3.10.2)
+    rubocop (1.9.1)
       parallel (~> 1.10)
-      parser (>= 2.7.0.1)
+      parser (>= 3.0.0.0)
       rainbow (>= 2.2.2, < 4.0)
+      regexp_parser (>= 1.8, < 3.0)
       rexml
+      rubocop-ast (>= 1.2.0, < 2.0)
       ruby-progressbar (~> 1.7)
-      unicode-display_width (>= 1.4.0, < 1.7)
-    ruby-progressbar (1.10.1)
-    safe_yaml (1.0.5)
-    simplecov (0.18.5)
+      unicode-display_width (>= 1.4.0, < 3.0)
+    rubocop-ast (1.4.1)
+      parser (>= 2.7.1.5)
+    rubocop-rake (0.5.1)
+      rubocop
+    rubocop-rspec (2.2.0)
+      rubocop (~> 1.0)
+      rubocop-ast (>= 1.1.0)
+    ruby-progressbar (1.11.0)
+    ruby2_keywords (0.0.4)
+    simplecov (0.21.2)
       docile (~> 1.1)
       simplecov-html (~> 0.11)
-    simplecov-html (0.12.2)
-    thread_safe (0.3.6)
-    tzinfo (1.2.7)
-      thread_safe (~> 0.1)
-    unicode-display_width (1.6.1)
-    webmock (3.8.3)
+      simplecov_json_formatter (~> 0.1)
+    simplecov-html (0.12.3)
+    simplecov_json_formatter (0.1.2)
+    tzinfo (2.0.4)
+      concurrent-ruby (~> 1.0)
+    unicode-display_width (2.0.0)
+    webmock (3.11.2)
       addressable (>= 2.3.6)
       crack (>= 0.3.2)
       hashdiff (>= 0.4.0, < 2.0.0)
-    zeitwerk (2.4.0)
+    youlend (1.1.3)
+      addressable
+      faraday
+      faraday_middleware
+      multi_json
+      rainbow
+    zeitwerk (2.4.2)
 
 PLATFORMS
   ruby
@@ -123,8 +142,10 @@ DEPENDENCIES
   rake (~> 10.0)
   rspec (~> 3.0)
   rubocop
+  rubocop-rake
+  rubocop-rspec
   simplecov
   webmock
 
 BUNDLED WITH
-   2.1.4
+   2.2.5

data/bin/console

@@ -24,6 +24,12 @@ Iwoca.configure do |config|
   config.webhook_signature = ENV['IWOCA_WEBHOOK_SIGNATURE']
 end
 
+Youlend.configure do |config|
+  config.client_id = ENV['YOULEND_CLIENT_ID']
+  config.client_secret = ENV['YOULEND_CLIENT_SECRET']
+  config.debug = true
+end
+
 send(:include, InstantQuote)
 
 require 'pry'

data/instant_quote.gemspec

@@ -6,6 +6,7 @@ $LOAD_PATH.unshift(lib) unless $LOAD_PATH.include?(lib)
 require 'instant_quote/version'
 
 Gem::Specification.new do |spec|
+  spec.required_ruby_version = '>= 2.5.0'
   spec.name = 'instant_quote'
   spec.version = InstantQuote::VERSION
   spec.authors = ['rikas']
@@ -32,13 +33,16 @@ Gem::Specification.new do |spec|
   spec.add_development_dependency 'rake', '~> 10.0'
   spec.add_development_dependency 'rspec', '~> 3.0'
   spec.add_development_dependency 'rubocop'
+  spec.add_development_dependency 'rubocop-rake'
+  spec.add_development_dependency 'rubocop-rspec'
   spec.add_development_dependency 'simplecov'
   spec.add_development_dependency 'webmock'
 
   spec.add_dependency 'activesupport'
   spec.add_dependency 'capital_on_tap'
   spec.add_dependency 'iwoca'
-  spec.add_dependency 'optimum'
   spec.add_dependency 'money'
+  spec.add_dependency 'optimum'
   spec.add_dependency 'phonelib'
+  spec.add_dependency 'youlend'
 end

data/lib/instant_quote.rb

@@ -17,6 +17,7 @@ module InstantQuote
     get_link
     get_quote
     get_status
+    get_preapproval
     get_approval
     additional_fields
     parse_decision
@@ -26,6 +27,7 @@ module InstantQuote
   # InstantQuote.get_link(connection)
   # InstantQuote.get_quote(connection)
   # InstantQuote.get_status(connection)
+  # InstantQuote.get_preapproval(connection)
   # InstantQuote.get_approval(connection)
   # InstantQuote.additional_fields(connection)
   # InstantQuote.parse_decision(connection)

data/lib/instant_quote/adapter.rb

@@ -2,42 +2,63 @@
 
 module InstantQuote
   class Adapter
+    # This is one additional field that we always want to ask, since we're using it for phone
+    # validating the applicant.
+    DEFAULT_ADDIONAL_FIELDS = [
+      {
+        name: 'applicant_phone_number',
+        label: 'Applicant mobile phone',
+        required: true
+      }
+    ].freeze
+
     def self.additional_fields(fields = [])
-      return (@additional_fields || []) if fields.empty?
+      return (@additional_fields || DEFAULT_ADDIONAL_FIELDS) if fields.empty?
+
+      @additional_fields ||= DEFAULT_ADDIONAL_FIELDS
+      @additional_fields += fields
+    end
 
-      @additional_fields = fields
+    def self.get_link(connection)
+      new.get_link(connection)
     end
 
-    def self.get_link(application_id)
-      new.get_link(application_id)
+    def self.get_quote(params, connection = nil)
+      new.get_quote(params, connection)
     end
 
-    def self.get_quote(params)
-      new.get_quote(params)
+    def self.get_status(application_id, connection = nil)
+      new.get_status(application_id, connection)
     end
 
-    def self.get_status(application_id)
-      new.get_status(application_id)
+    def self.get_preapproval(params, connection = nil)
+      new.get_preapproval(params, connection)
     end
 
-    def self.get_approval(application_id)
-      new.get_approval(application_id)
+    def self.get_approval(application_id, connection = nil)
+      new.get_approval(application_id, connection)
     end
 
-    def get_link(_application_id)
+    def get_link(_application_id, _connection = nil)
       raise NotImplementedError, "You must implement '#{self.class.name}#get_link'"
     end
 
-    def get_quote(_params)
+    def get_quote(_params, _connection = nil)
       raise NotImplementedError, "You must implement '#{self.class.name}#get_quote'"
     end
 
-    def get_status(_application_id)
+    def get_status(_application_id, _connection = nil)
       raise NotImplementedError, "You must implement '#{self.class.name}#get_status'"
     end
 
-    def get_approval(_application_id)
-      raise NotImplementedError, "You must implement '#{self.class.name}#get_approval"
+    # Default for pre approval will be true, override it in the adapter class if needed.
+    def get_preapproval(_params, _connection = nil)
+      true
+    end
+
+    # Default for approval will be true, override it in the adapter class if needed.
+    def get_approval(_application_id, _connection = nil)
+      true
     end
   end
 end

data/lib/instant_quote/adapter_finder.rb

@@ -36,17 +36,23 @@ module InstantQuote
     end
 
     def get_link
-      adapter.get_link(connection.external_id)
+      adapter.get_link(connection)
     end
 
     def get_quote
       params = translator.translate(connection)
 
-      adapter.get_quote(params)
+      adapter.get_quote(params, connection)
     end
 
     def get_status
-      adapter.get_status(connection.external_id)
+      adapter.get_status(connection.external_id, connection)
+    end
+
+    def get_preapproval
+      params = translator.translate(connection)
+
+      adapter.get_preapproval(params, connection)
     end
 
     def get_approval

data/lib/instant_quote/adapters/capital_on_tap.rb

@@ -6,6 +6,7 @@ require 'instant_quote/decision_parsers/capital_on_tap'
 module InstantQuote
   module Adapters
     class CapitalOnTap < Adapter
+      # rubocop:disable Layout/LineLength
       additional_fields [
         {
           name: 'date_of_birth',
@@ -13,16 +14,6 @@ module InstantQuote
           type: 'date',
           required: true
         },
-        {
-          name: 'business_landline',
-          label: 'Business landline',
-          required: true
-        },
-        {
-          name: 'applicant_phone_number',
-          label: 'Applicant mobile phone',
-          required: true
-        },
         {
           name: 'monthly_income',
           label: 'Applicant monthly income',
@@ -39,29 +30,36 @@ module InstantQuote
         },
         {
           name: 'turnover_percentage_after_feb_2020',
-          label: 'When compared to before COVID-19, what is your current turnover level?',
+          label: 'What is your current turnover as a percentage of your turnover prior to February 2020?',
           required: true,
-          choices: {
-            'Greater than before (>100%)' => 'GreaterThanHundredPercentage',
-            'Marginally reduced (80-100%)' => 'LessThanOrEqualToHunderdPercentage',
-            'Reduced (60-79%)' => 'LessThanSeventyNinePercentage',
-            'Halved (40-59%)' => 'LessThanFiftyNinePercentage',
-            'Less than half (20-39%)' => 'LessThanThirtyNinePercentage',
-            'Severely reduced or no turnover (<20%)' => 'LessThanTwentyPercentage'
-          },
+          choices: [
+            'My turnover had increased since covid',
+            'My turnover is about the same as it was pre-covid (within 20%)',
+            'My turnover has fallen materially as a result of covid (20%-60% reduction in turnover)',
+            'My turnover has fallen significantly as a result of covid (more than a 60% reduction in turnover)'
+          ],
           type: 'select'
         },
         {
           name: 'preferred_monthly_repayment_option',
-          label: 'What is your preferred monthly repayment option?',
+          label: 'How do you want to set up your direct debit for monthly repayment?',
           required: true,
           choices: [
-            'Minimum Amount Required',
-            'Full Balance',
-            'Fixed Amount'
+            'Minimum Amount (10% of balance)',
+            'Full Balance'
           ],
           type: 'select'
         },
+        {
+          name: 'send_cash_from_credit_facility_to_bank',
+          label: 'Do you require the ability to send cash from your credit facility to your bank?',
+          required: true,
+          choices: {
+            'Yes' => 'True',
+            'No' => 'False'
+          },
+          type: 'select'
+        },
         {
           name: 'applicant_consent',
           label: 'Yes, I give my consent for my data to be shared',
@@ -69,6 +67,7 @@ module InstantQuote
           type: 'checkbox'
         }
       ]
+      # rubocop:enable Layout/LineLength
 
       # Creates the quote with the information from instant connection
       def get_quote(params)
@@ -77,7 +76,7 @@ module InstantQuote
         # CoT responses can be 200 OK but still have an error!
         raise_error(response) unless response.success? && !response.error
 
-        response.body.dig(:result)
+        response.body[:result]
       end
 
       # Get the status for a given application ID
@@ -104,15 +103,10 @@ module InstantQuote
       end
 
       # The link is always the same for Capital On Tap
-      def get_link(_application_id)
+      def get_link(_connection)
         'https://account.capitalontap.com/apps/portal/login/'
       end
 
-      # Capital On Tap doesn't need an approval request
-      def get_approval(_application_id)
-        true
-      end
-
       private
 
       def raise_error(response)

data/lib/instant_quote/adapters/iwoca.rb

@@ -44,11 +44,6 @@ module InstantQuote
           label: 'Country',
           type: 'country'
         },
-        {
-          name: 'applicant_phone_number',
-          label: 'Applicant mobile number',
-          required: true
-        },
         {
           name: 'applicant_consent',
           label: "I agree to iwoca running soft credit checks on my personal information with \
@@ -81,7 +76,9 @@ module InstantQuote
       end
 
       # Gets the URL for the given state key.
-      def get_link(state_key)
+      def get_link(connection)
+        state_key = connection.external_id
+
         response = ::Iwoca::Quote.login_link(state_key)
 
         return response.data[:login_link] if response.success?

data/lib/instant_quote/adapters/optimum.rb

@@ -7,11 +7,6 @@ module InstantQuote
   module Adapters
     class Optimum < Adapter
       additional_fields [
-        {
-          name: 'applicant_phone_number',
-          label: 'Applicant mobile phone',
-          required: true
-        },
         {
           name: 'expected_turnover_next_12_months',
           label: 'Expected turnover next 12 months',
@@ -118,14 +113,10 @@ module InstantQuote
       end
 
       # Gets the URL for the given state key.
-      def get_link(_)
+      def get_link(_connection)
         ''
       end
 
-      def get_approval(_)
-        true
-      end
-
       private
 
       def decision_parser

data/lib/instant_quote/adapters/youlend.rb

@@ -0,0 +1,83 @@
+# frozen_string_literal: true
+
+require 'youlend'
+require 'instant_quote/decision_parsers/youlend'
+
+module InstantQuote
+  module Adapters
+    class Youlend < Adapter
+      additional_fields [
+        {
+          name: 'monthly_card_revenue',
+          label: 'Avg. monthly revenue from card payments',
+          required: true,
+          type: 'money'
+        },
+        {
+          name: 'monthly_revenue_from_invoices',
+          label: 'Avg. monthly revenue from invoices',
+          required: true,
+          type: 'money'
+        },
+        {
+          name: 'applicant_consent',
+          label: 'Yes, I give my consent for my data to be shared',
+          required: true,
+          type: 'checkbox'
+        }
+      ]
+
+      # For Youlend we first need to do the pre_qualification and then, if we get a positive
+      # response we can create the lead. We need to call both endpoints here, so it might take a
+      # while.
+      def get_quote(params, connection)
+        response = ::Youlend::Lead.create(params)
+
+        if response.success?
+          connection.update(link: response.data[:signUpURL])
+
+          return response.data[:leadId]
+        end
+
+        raise_error(response)
+      end
+
+      def get_status(_lead_id, connection)
+        DecisionParsers::Youlend.new(connection.approval_decision_info)
+      end
+
+      # Gets the URL for the given state key.
+      def get_link(connection)
+        connection.link
+      end
+
+      # Checks if the application is eligible for a loan. If it is we need to update the
+      # connection's approval_decision_info right away, since it's the only place where we get it.
+      def get_preapproval(params, connection)
+        # The preapproval endpoint doesn't work with all params, we need to remove some
+        params.delete(:companyName)
+        params.delete(:monthsTrading)
+        params.delete(:keyContactName)
+        params.delete(:registeredAddress)
+        params.delete(:thirdPartyLeadId)
+        params.delete(:contactPhoneNumber)
+
+        response = ::Youlend::Prequalification.verify(params)
+
+        connection.update(approval_decision_info: response.data) if response.success?
+
+        response
+      end
+
+      private
+
+      def raise_error(response)
+        raise ApiError.new(
+          adapter: 'youlend',
+          data: response.body,
+          error: response.error || '[Youlend] API error'
+        )
+      end
+    end
+  end
+end

data/lib/instant_quote/api_error.rb

@@ -8,6 +8,8 @@ module InstantQuote
     alias to_s error
 
     def initialize(params = {})
+      super
+
       @adapter = params[:adapter]
       @error = params[:error]
       @data = params[:data] || {}

data/lib/instant_quote/connection_translator.rb

@@ -1,6 +1,11 @@
 # frozen_string_literal: true
 
+require 'active_support/core_ext/hash/indifferent_access'
+
 module InstantQuote
+  # Inherit from this class to create the translation from Finpoint's app to the JSON that needs to
+  # be sent to the service you're integrating. You'll have access to `application` and `extra_info`
+  # from the application's record.
   class ConnectionTranslator
     attr_accessor :application, :extra_info
 
@@ -10,7 +15,7 @@ module InstantQuote
 
     def initialize(connection)
       @application = connection.finance_application
-      @extra_info = connection.extra_info
+      @extra_info = ActiveSupport::HashWithIndifferentAccess.new(connection.extra_info)
     end
 
     def translate

data/lib/instant_quote/connection_translators/capital_on_tap.rb

@@ -6,60 +6,6 @@ module InstantQuote
   module ConnectionTranslators
     class CapitalOnTap < ConnectionTranslator
       DEFAULT_SALUTATION = 'Mr'
-      LOAN_PURPOSE_MAPPING = {
-        'Apply for COVID-19 support/for other reasons' => 'General working capital requirements',
-        'Apply for COVID-19 support/to pay existing loans' => 'Repay Finances with another lender',
-        'Apply for COVID-19 support/to pay suppliers' => 'General working capital requirements',
-        'Apply for COVID-19 support/to protect jobs' => 'Payment of wages or rent',
-        'Apply for COVID-19 support/to refinance existing loans' => 'Repay Finances with another lender',
-        'Buy or develop property/buy the property my business already occupies' => '',
-        'Buy or develop property/buying a business that includes premises' => 'Acquisition of another business in the UK',
-        'Buy or develop property/buying a property for my business to move into' => '',
-        'Buy or develop property/develop residential or commercial premises' => 'Bridging loan',
-        'Buy or develop property/invest in a foreign property to rent it out' => '',
-        'Buy or develop property/invest in a holiday let' => '',
-        'Buy or develop property/invest in UK property' => 'Bridging loan',
-        'Buy or develop property/other property finance needs' => 'Bridging loan',
-        'Buy or refinance vehicle(s)/agricultural vehicle(s)' => 'General working capital requirements',
-        'Buy or refinance vehicle(s)/car(s)' => 'General working capital requirements',
-        'Buy or refinance vehicle(s)/caravan(s) & mobile home(s)' => 'General working capital requirements',
-        'Buy or refinance vehicle(s)/commercial vehicle(s)' => 'General working capital requirements',
-        'Buy or refinance vehicle(s)/fork lift truck(s)' => 'General working capital requirements',
-        'Buy or refinance vehicle(s)/other vehicle finance requirements' => 'General working capital requirements',
-        'Help with grants, tax credits and pension finance/for a research & development project' => 'Research and development activities',
-        'Help with grants, tax credits and pension finance/for green energy projects' => 'General working capital requirements',
-        'Help with grants, tax credits and pension finance/for projects with social impact' => 'General working capital requirements',
-        'Help with grants, tax credits and pension finance/other grant funding needs' => '',
-        'Help with grants, tax credits and pension finance/starting a business, incl. accelerator and incubator programs' => 'Start up costs',
-        'Help with grants, tax credits and pension finance/to fund skills and training initiatives' => 'General working capital requirements',
-        'Help with grants, tax credits and pension finance/utilise pensions to lend to a business' => '',
-        'Improve cashflow/borrow against monthly income from a credit card terminal' => '',
-        'Improve cashflow/finance overseas trading and exporting' => 'General working capital requirements',
-        'Improve cashflow/other cashflow requirements' => 'General working capital requirements',
-        'Improve cashflow/raise credit against agreed purchase orders' => 'General working capital requirements',
-        'Improve cashflow/release capital from pension fund(s)' => '',
-        'Improve cashflow/release cash from one unpaid invoice to another business' => 'General working capital requirements',
-        'Improve cashflow/release cash from several invoices to other businesses' => 'General working capital requirements',
-        'Improve cashflow/spread the cost of a large bill' => 'General working capital requirements',
-        'Invest in equipment or machinery/computers (hardware, software)' => 'Purchase of equipment/machinery/stock',
-        'Invest in equipment or machinery/equipment (office, printing, medical, etc.)' => 'Purchase of equipment/machinery/stock',
-        'Invest in equipment or machinery/furniture & furnishings' => 'Purchase of equipment/machinery/stock',
-        'Invest in equipment or machinery/machinery & tools' => 'Purchase of equipment/machinery/stock',
-        'Invest in equipment or machinery/other investment needs' => 'Purchase of licences,quotas or other entitlements to trade',
-        'Invest in equipment or machinery/phone & telecom systems' => 'Purchase of equipment/machinery/stock',
-        'Refinance an existing.../asset' => 'Repay Finances with another lender',
-        'Refinance an existing.../business loan' => 'Repay Finances with another lender',
-        'Refinance an existing.../commercial mortgage' => '',
-        'Refinance an existing.../other refinancing needs' => 'Repay Finances with another lender',
-        'Seeking investment/for a management buy-out' => 'Acquisition of another business in the UK',
-        'Seeking investment/other funding requirements' => 'General working capital requirements',
-        'Seeking investment/to launch a new B2B product or service' => 'Start up costs',
-        'Seeking investment/to launch a new consumer product or service' => 'Start up costs',
-        'Seeking investment/to purchase another business' => 'Acquisition of another business in the UK',
-        'Seeking investment/to reach more consumers with a proven product or service' => 'Expansion Activities in the UK',
-        'Seeking investment/to win more business clients with a proven product or service' => 'Expansion Activities in the UK',
-        'Seeking investment/venture builder, accelerator and incubator programs' => ''
-      }.freeze
 
       # rubocop:disable Metrics/AbcSize
       def translate
@@ -73,7 +19,7 @@ module InstantQuote
           PersonalAddress: translate_address,
           TradingName: app_org.name,
           BusinessLegalName: app_org.name,
-          BusinessLandline: format_phone(extra_info['business_landline']),
+          BusinessLandline: format_phone(extra_info['applicant_phone_number']),
           YearsTrading: app_org.years_in_business,
           MonthlyTurnOver: translate_turnover,
           BusinessType: translate_business_type,
@@ -151,20 +97,12 @@ module InstantQuote
 
       def additional_questions
         [
-          loan_purpose_question,
           preferred_monthly_repayment_option_question,
-          turnover_percentage_question
+          turnover_percentage_question,
+          send_cash_from_credit_facility_to_bank_question
         ]
       end
 
-      def loan_purpose_question
-        {
-          question: 'What is the purpose of the loan?',
-          answer: translate_loan_purpose,
-          questionType: '16'
-        }
-      end
-
       def preferred_monthly_repayment_option_question
         question_from_extra_info('preferred_monthly_repayment_option', '17')
       end
@@ -173,21 +111,20 @@ module InstantQuote
         question_from_extra_info('turnover_percentage_after_feb_2020', '20')
       end
 
+      def send_cash_from_credit_facility_to_bank_question
+        question_from_extra_info('send_cash_from_credit_facility_to_bank', '23')
+      end
+
       def question_from_extra_info(name, question_type)
         field = Adapters::CapitalOnTap.additional_fields.find do |f|
-          f[:name] == name
+          f[:name].to_sym == name.to_sym
         end
 
-        { question: field[:label], answer: extra_info[field[:name]], questionType: question_type }
-      end
-
-      def translate_loan_purpose
-        proceeds_purpose = [
-          application.proceeds_purpose&.overview&.name,
-          application.proceeds_purpose&.name
-        ].join('/')
-
-        LOAN_PURPOSE_MAPPING[proceeds_purpose]
+        {
+          question: field[:label],
+          answer: extra_info[field[:name]],
+          questionType: question_type
+        }
       end
     end
   end

data/lib/instant_quote/connection_translators/iwoca.rb

@@ -78,7 +78,7 @@ module InstantQuote
         application.borrower_organisation
       end
 
-      # rubocop:disable Metrics/AbcSize
+      # rubocop:disable Naming/VariableNumber
       def company_address
         {
           postcode: company.address.postcode,
@@ -88,7 +88,7 @@ module InstantQuote
           country: company.address.country
         }
       end
-      # rubocop:enable Metrics/AbcSize
+      # rubocop:enable Naming/VariableNumber
 
       def person_information
         {
@@ -123,6 +123,7 @@ module InstantQuote
         }
       end
 
+      # rubocop:disable Naming/VariableNumber
       def person_residential_address
         {
           uid: SecureRandom.uuid,
@@ -135,6 +136,7 @@ module InstantQuote
           residential_status: home_owning_translated
         }
       end
+      # rubocop:enable Naming/VariableNumber
 
       def home_owning_translated
         case company.directors_home_owning.name

data/lib/instant_quote/connection_translators/optimum.rb

@@ -3,6 +3,7 @@
 module InstantQuote
   module ConnectionTranslators
     class Optimum < ConnectionTranslator
+      # rubocop:disable Metrics/AbcSize
       def translate
         {
           companyNumber: company&.company_number.to_s,
@@ -19,6 +20,7 @@ module InstantQuote
           quotationOnly: false
         }
       end
+      # rubocop:enable Metrics/AbcSize
 
       private
 

data/lib/instant_quote/connection_translators/youlend.rb

@@ -0,0 +1,97 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  module ConnectionTranslators
+    CURRENCY = 'GBP'
+
+    class Youlend < ConnectionTranslator
+      # rubocop:disable Metrics/AbcSize
+      def translate
+        {
+          companyName: company.name,
+          companyType: company_type_translated,
+          monthsTrading: company.total_months_in_business,
+          keyContactName: primary_user_name,
+          thirdPartyLeadId: application.code,
+          financialData: financial_data,
+          countryISOCode: 'GBR',
+          loanCurrencyISOCode: CURRENCY,
+          thirdPartyMerchantId: company.id,
+          thirdPartyCustomerId: application&.primary_user&.id,
+          registeredAddress: company_address,
+          contactPhoneNumber: extra_info[:applicant_phone_number],
+          monthlyCardRevenue: extra_info[:monthly_card_revenue].to_i,
+          contactEmailAddress: application&.primary_user&.email # optional
+        }
+      end
+      # rubocop:enable Metrics/AbcSize
+
+      private
+
+      def financial_data
+        {
+          monthlyCardRevenue: extra_info[:monthly_card_revenue].to_i,
+          monthlyRevenueFromInvoices: extra_info[:monthly_revenue_from_invoices].to_i,
+          paymentData: payment_data
+        }
+      end
+
+      def payment_data
+        (1..12).to_a.map do |month|
+          formatted_month = format('%02<month>d', month: month)
+
+          {
+            paymentDate: "#{Date.today.year - 1}-#{formatted_month}-01",
+            amount: total_amount,
+            currencyISOCode: CURRENCY
+          }
+        end
+      end
+
+      def total_amount
+        @total_amount ||= begin
+          card = extra_info[:monthly_card_revenue].to_i || 0
+          invoices = extra_info[:monthly_revenue_from_invoices].to_i || 0
+
+          card + invoices
+        end
+      end
+
+      def company_address
+        address = company.address
+
+        {
+          line1: address.line_1,
+          line2: address.line_2,
+          city: address.town,
+          region: address.town,
+          areaCode: address.postcode,
+          country: address.country
+        }
+      end
+
+      def company
+        @company ||= application.borrower_organisation
+      end
+
+      def primary_user_name
+        application.primary_user.name
+      end
+
+      def company_type_translated
+        case company.company_type.name
+        when /LTD/
+          'ltd'
+        when /LLP/
+          'llp'
+        when /PLC/
+          'plc'
+        when 'Sole Trader'
+          'soleTrader'
+        else
+          'other'
+        end
+      end
+    end
+  end
+end

data/lib/instant_quote/decision_parsers/capital_on_tap.rb

@@ -42,7 +42,7 @@ module InstantQuote
       end
 
       def status
-        credit_decision.dig(:status) || STATUSES[:could_not_submit]
+        credit_decision[:status] || STATUSES[:could_not_submit]
       end
 
       # The applicationStage can be one of the following:
@@ -52,13 +52,13 @@ module InstantQuote
       # ApprovedCredit, ApprovedPrepaid, DdSetup, AddOnSelection, DoneHavFailed,
       # DoneIdVerificationRequired, Done, Portal
       def stage
-        data.dig(:applicationStage) || {}
+        data[:applicationStage] || {}
       end
 
       private
 
       def credit_decision
-        data.dig(:creditDecision) || {}
+        data[:creditDecision] || {}
       end
     end
   end

data/lib/instant_quote/decision_parsers/iwoca.rb

@@ -91,21 +91,21 @@ module InstantQuote
 
         return 0 unless rates&.any?
 
-        rate_info = rates.first.dig(:rates)&.first
+        rate_info = rates.first[:rates]&.first
 
         return 0 unless rate_info
 
-        rate_info.dig(:rate)
+        rate_info[:rate]
       end
 
       def status
-        status_hash.dig(:status) || STATUSES[:not_defined]
+        status_hash[:status] || STATUSES[:not_defined]
       end
 
       private
 
       def status_hash
-        data.dig(:approval_status) || data.dig(:latest_approval_request) || {}
+        data[:approval_status] || data[:latest_approval_request] || {}
       end
     end
   end

data/lib/instant_quote/decision_parsers/optimum.rb

@@ -6,26 +6,29 @@ module InstantQuote
     #
     # {
     # decision: {
-    #     decision: "approved",
-    #     trialPeriodMonths: 4, # trial period length
-    #     fundingLimit: 745000,
-    #     annualRenewalFee: 0,
-    #     badDebtProtection: 0.85,
-    #     cashAvailableWithinHours: 48,
-    #     discountFee: 3.35,
-    #     facility: "Factoring", # Factoring or Invoice Discounting or Confidential Invoice Discounting
-    #     prepayment: 80,
-    #     serviceFee: 1.14
+    #   decision: "approved",
+    #   trialPeriodMonths: 4, # trial period length
+    #   fundingLimit: 745000,
+    #   annualRenewalFee: 0,
+    #   badDebtProtection: 0.85,
+    #   cashAvailableWithinHours: 48,
+    #   discountFee: 3.35,
+    #   facility: "Factoring", # Factoring / Invoice Discounting / Confidential Invoice Discounting
+    #   prepayment: 80,
+    #   serviceFee: 1.14
     # },
-    # opportunityId: "01234567ABCDEFGH", # the Optimum Finance opportunity ID (only supplied for successful applications that are not 'quotation only')
-    # companyName: "COMPANY NAME LTD" # company name from the given company number - use this to verify correct company
+    # opportunityId: "01234567ABCDEFGH", # the Optimum Finance opportunity ID (only supplied for
+    # successful applications that are not 'quotation only')
+    #
+    # companyName: "COMPANY NAME LTD" # company name from the given company number - use this to
+    # verify correct company
     # }
 
     class Optimum < DecisionParser
       STATUSES = {
         approved: 'approved',
         declined: 'declined',
-        referred: 'referred',
+        referred: 'referred'
       }.freeze
 
       LOAN_STATES = {

data/lib/instant_quote/decision_parsers/youlend.rb

@@ -0,0 +1,61 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  module DecisionParsers
+    # Example response:
+    #
+    # {
+    #   thirdPartyMerchantId: "b97b0834-74e5-4da6-a3df-c8dbe017fe09",
+    #   mid: nil,
+    #   companyName: "Test Company",
+    #   overallCreditRiskScore: 3.5,
+    #   overrideCreditRiskScore: 1.0,
+    #   loanOptions: [
+    #     { fundedAmount: 0.0, fee: 0.0, loanAmount: 0.0, sweep: 0.0, currencyISOCode: "GBP" },
+    #     { fundedAmount: 0.0, fee: 0.0, loanAmount: 0.0, sweep: 0.0, currencyISOCode: "GBP" },
+    #     { fundedAmount: 0.0, fee: 0.0, loanAmount: 0.0, sweep: 0.0, currencyISOCode: "GBP" }
+    #   ]
+    # }
+    class Youlend < DecisionParser
+      def approved?
+        status_hash[:loanOptions].any?
+      end
+
+      def declined?
+        status_hash[:loanOptions].empty?
+      end
+
+      def sweep
+        first_option[:fee]
+      end
+
+      def fee
+        fee = first_option[:fee].to_f
+
+        Money.new(fee * 100).format
+      end
+
+      def loan_amount
+        amount = first_option[:loanAmount].to_f
+
+        Money.new(amount * 100).format
+      end
+
+      def funded_amount
+        amount = first_option[:fundedAmount].to_f
+
+        Money.new(amount * 100).format
+      end
+
+      private
+
+      def first_option
+        @first_option ||= status_hash[:loanOptions].find { |opt| opt[:fundedAmount].positive? }
+      end
+
+      def status_hash
+        data.presence || { loanOptions: [] }
+      end
+    end
+  end
+end

data/lib/instant_quote/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module InstantQuote
-  VERSION = '1.4.0'
+  VERSION = '1.6.2'
 end

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: instant_quote
 version: !ruby/object:Gem::Version
-  version: 1.4.0
+  version: 1.6.2
 platform: ruby
 authors:
 - rikas
-autorequire: 
+autorequire:
 bindir: exe
 cert_chain: []
-date: 2020-09-21 00:00:00.000000000 Z
+date: 2021-02-08 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler
@@ -94,6 +94,34 @@ dependencies:
     - - ">="
       - !ruby/object:Gem::Version
         version: '0'
+- !ruby/object:Gem::Dependency
+  name: rubocop-rake
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: rubocop-rspec
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
 - !ruby/object:Gem::Dependency
   name: simplecov
   requirement: !ruby/object:Gem::Requirement
@@ -165,7 +193,7 @@ dependencies:
       - !ruby/object:Gem::Version
         version: '0'
 - !ruby/object:Gem::Dependency
-  name: optimum
+  name: money
   requirement: !ruby/object:Gem::Requirement
     requirements:
     - - ">="
@@ -179,7 +207,7 @@ dependencies:
       - !ruby/object:Gem::Version
         version: '0'
 - !ruby/object:Gem::Dependency
-  name: money
+  name: optimum
   requirement: !ruby/object:Gem::Requirement
     requirements:
     - - ">="
@@ -206,6 +234,20 @@ dependencies:
     - - ">="
       - !ruby/object:Gem::Version
         version: '0'
+- !ruby/object:Gem::Dependency
+  name: youlend
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
 description: Instant quote providers gem.
 email:
 - oterosantos@gmail.com
@@ -232,24 +274,27 @@ files:
 - lib/instant_quote/adapters/iwoca.rb
 - lib/instant_quote/adapters/iwoca_cbils.rb
 - lib/instant_quote/adapters/optimum.rb
+- lib/instant_quote/adapters/youlend.rb
 - lib/instant_quote/api_error.rb
 - lib/instant_quote/connection_translator.rb
 - lib/instant_quote/connection_translators/capital_on_tap.rb
 - lib/instant_quote/connection_translators/iwoca.rb
 - lib/instant_quote/connection_translators/iwoca_cbils.rb
 - lib/instant_quote/connection_translators/optimum.rb
+- lib/instant_quote/connection_translators/youlend.rb
 - lib/instant_quote/decision_parser.rb
 - lib/instant_quote/decision_parsers/capital_on_tap.rb
 - lib/instant_quote/decision_parsers/iwoca.rb
 - lib/instant_quote/decision_parsers/iwoca_cbils.rb
 - lib/instant_quote/decision_parsers/optimum.rb
+- lib/instant_quote/decision_parsers/youlend.rb
 - lib/instant_quote/version.rb
 - lib/instant_quote/webhooks/iwoca.rb
 homepage: https://finpoint.co.uk
 licenses: []
 metadata:
   homepage_uri: https://finpoint.co.uk
-post_install_message: 
+post_install_message:
 rdoc_options: []
 require_paths:
 - lib
@@ -257,7 +302,7 @@ required_ruby_version: !ruby/object:Gem::Requirement
   requirements:
   - - ">="
     - !ruby/object:Gem::Version
-      version: '0'
+      version: 2.5.0
 required_rubygems_version: !ruby/object:Gem::Requirement
   requirements:
   - - ">="
@@ -265,7 +310,7 @@ required_rubygems_version: !ruby/object:Gem::Requirement
       version: '0'
 requirements: []
 rubygems_version: 3.0.3
-signing_key: 
+signing_key:
 specification_version: 4
 summary: Instant quote providers gem.
 test_files: []