gemcap-be-common 1.2.140 → 1.3.0

package/db/new-summary.js

@@ -0,0 +1,1295 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.NewSummaryExcel = void 0;
+const dayjs_1 = __importDefault(require("dayjs"));
+const decimal_js_1 = __importDefault(require("decimal.js"));
+const lodash_1 = __importDefault(require("lodash"));
+const common_helper_1 = require("../helpers/common.helper");
+const loan_transactions_db_1 = require("./loan-transactions.db");
+const Borrower_model_1 = require("../models/Borrower.model");
+const LoanProducts_model_1 = require("../models/LoanProducts.model");
+const loan_products_db_1 = require("./loan-products.db");
+const LoanStatementTransaction_model_1 = require("../models/LoanStatementTransaction.model");
+const bbcDates_db_1 = require("./bbcDates.db");
+const reserve_types_enum_1 = require("../enums/reserve-types.enum");
+const ComplianceItem_model_1 = require("../models/ComplianceItem.model");
+const LoanCharges_model_1 = require("../models/LoanCharges.model");
+const BorrowerCompliance_model_1 = require("../models/BorrowerCompliance.model");
+const LoanTransaction_model_1 = require("../models/LoanTransaction.model");
+const loan_types_enum_1 = require("../enums/loan-types.enum");
+const equipment_types_enum_1 = require("../enums/equipment-types.enum");
+const BorrowerSummary_model_1 = require("../models/BorrowerSummary.model");
+const FinancialSpreadingSheet_model_1 = require("../models/FinancialSpreadingSheet.model");
+const ProspectIndustry_model_1 = require("../models/ProspectIndustry.model");
+const financial_spreading_service_1 = require("../services/financial-spreading.service");
+const yield_service_1 = require("../services/yield.service");
+const MonthEndData_Model_1 = require("../models/MonthEndData.Model");
+const styles = {
+    blackOnWhiteWithTopBorder: {
+        fill: {
+            type: 'pattern',
+            pattern: 'solid',
+            fgColor: { argb: 'FFFFFFFF' },
+        },
+        font: {
+            bold: true,
+            color: { argb: 'FF000000' },
+        },
+        border: {
+            top: { style: 'thin' },
+        },
+    },
+    blackOnWhiteWithBottomBorder: {
+        fill: {
+            type: 'pattern',
+            pattern: 'solid',
+            fgColor: { argb: 'FFFFFFFF' },
+        },
+        font: {
+            bold: true,
+            color: { argb: 'FF000000' },
+        },
+        border: {
+            bottom: { style: 'thin' },
+        },
+    },
+    whiteOnBlack: {
+        fill: {
+            type: 'pattern',
+            pattern: 'solid',
+            fgColor: { argb: 'FF000000' },
+        },
+        font: {
+            bold: true,
+            color: { argb: 'FFFFFFFF' },
+        },
+    },
+    whiteOnGray: {
+        fill: {
+            type: 'pattern',
+            pattern: 'solid',
+            fgColor: { argb: 'FF7F7F7F' },
+        },
+        font: {
+            bold: true,
+            color: { argb: 'FFFFFFFF' },
+        },
+    },
+};
+const numberFormat = {
+    fullNumber: '#,##0.00',
+    shortNumber: '#,##0',
+    xNumber: '0.00"x"',
+    xNumber1DP: '0.0"x"',
+    thousands: '0.0,',
+    percent: '0.00%',
+    percent1DP: '0.0%',
+};
+const borrowerTitleLength = 12;
+const dateFormat = 'MM-DD-YYYY';
+const productsDataMap = new Map();
+const borrowersMap = new Map();
+const productsMap = new Map();
+const chargesMap = new Map();
+const complianceBorrowersMap = new Map();
+const allBorrowerSummaryRowFields = {
+    commitmentAmount: {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    endingBalance: {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    endingParticipationBalance: {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    netExposure: {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    averageBalanceSinceInception: {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    totalIncomeReceived: {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    loanLifeIRR: {
+        t: 'n',
+        z: numberFormat.percent,
+    },
+    MOIC: {
+        t: 'n',
+        z: numberFormat.xNumber,
+    },
+    participantBalance: {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+};
+const borrowerSummaryRowFields = {
+    title: {
+        t: 's',
+    },
+    'grossValue': {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    'ineligible': {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    'netValue': {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+    'advanceRate': {
+        t: 'n',
+        z: numberFormat.percent1DP,
+    },
+    'availability': {
+        t: 'n',
+        z: numberFormat.thousands,
+    },
+};
+const emptyRow = [{ v: '', t: 's' }];
+const negativeCell = { v: 'NA', t: 's', s: { alignment: { horizontal: 'right' } } };
+const rightAlign = {
+    alignment: { horizontal: 'right' },
+};
+const styleRowData = (rows, style) => {
+    return rows.map((row) => {
+        return Object.entries(row).map(([key, v]) => {
+            return {
+                v,
+                t: borrowerSummaryRowFields[key].t,
+                z: borrowerSummaryRowFields[key].z,
+                ...(style ? { s: style } : {}),
+            };
+        });
+    });
+};
+class NewSummaryExcel {
+    availabilityService;
+    borrowerService;
+    borrowerSummaryService;
+    complianceBorrowersService;
+    financialSpreadingService;
+    loanChargesService;
+    loanTransactionsService;
+    signsService;
+    yieldService;
+    monthEndDataService;
+    constructor(availabilityService, borrowerService, borrowerSummaryService, complianceBorrowersService, financialSpreadingService, loanChargesService, loanTransactionsService, signsService, yieldService, monthEndDataService) {
+        this.availabilityService = availabilityService;
+        this.borrowerService = borrowerService;
+        this.borrowerSummaryService = borrowerSummaryService;
+        this.complianceBorrowersService = complianceBorrowersService;
+        this.financialSpreadingService = financialSpreadingService;
+        this.loanChargesService = loanChargesService;
+        this.loanTransactionsService = loanTransactionsService;
+        this.signsService = signsService;
+        this.yieldService = yieldService;
+        this.monthEndDataService = monthEndDataService;
+    }
+    async getMainData(borrowerIds, start, end) {
+        const periodDays = 360;
+        const header = {
+            borrowerName: 'Client name',
+            productName: 'Product name',
+            maturityDate: 'Maturity date',
+            payOffDate: 'PayOff Date',
+            commitmentAmount: 'Commitment amount',
+            endingBalance: 'Ending Balance',
+            endingParticipationBalance: 'Ending Participation balance',
+            netExposure: 'Net Exposure',
+            lastSignedBBCDate: 'Last Signed BBC',
+            compliance: 'Compliance',
+            averageBalanceSinceInception: 'Average Balance Since Inception',
+            totalIncomeReceived: 'Total Income Received',
+            loanLifeIRR: 'Loan Life IRR',
+            MOIC: 'MOIC',
+            participantBalance: 'Participant Balance',
+        };
+        const headerKeys = Object.keys(header);
+        const allBorrowersSummary = [];
+        for (const borrowerId of borrowerIds) {
+            let periodEnd = end;
+            const borrower = borrowersMap.get(borrowerId);
+            if (!borrower) {
+                continue;
+            }
+            const products = [...productsMap.values()].filter((product) => product.borrowerId.toString() === borrowerId);
+            const complianceBorrower = [...complianceBorrowersMap.values()].find((complianceBorrower) => complianceBorrower.borrower.toString() === borrowerId);
+            for (const product of products) {
+                if (product.deactivationDate) {
+                    continue;
+                }
+                if ((0, dayjs_1.default)(product.payoffDate).isBefore((0, dayjs_1.default)(periodEnd))) {
+                    periodEnd = product.payoffDate;
+                }
+                const daysHeld = (0, dayjs_1.default)(periodEnd).diff((0, dayjs_1.default)(product.startDate), 'day');
+                const lastTransaction = await (0, loan_transactions_db_1.getLastTransactionForDate)(product._id.toString(), periodEnd);
+                const endingBalance = lastTransaction ? lastTransaction.balance : 0;
+                const endingParticipationBalance = product.isParticipant ? endingBalance : 0;
+                const netExposure = new decimal_js_1.default(endingBalance).sub(endingParticipationBalance).toNumber();
+                const lastSignedBBC = await this.signsService.getLatestSignedBBCDate(borrowerId, periodEnd);
+                const lastSignedBBCDate = lastSignedBBC ? (0, dayjs_1.default)(lastSignedBBC.bbcDate).format(dateFormat) : '';
+                const averageBalanceSinceInception = new decimal_js_1.default(await (0, loan_products_db_1.getAverageActualBalance)(product._id.toString(), {
+                    start: (0, dayjs_1.default)(product.startDate),
+                    end: (0, dayjs_1.default)(periodEnd),
+                })).toDP(2).toNumber();
+                const totalIncomeReceived = await this.getPaidAmount(product._id.toString());
+                const MOIC = averageBalanceSinceInception ? new decimal_js_1.default(totalIncomeReceived).add(Math.abs(averageBalanceSinceInception)).div(Math.abs(averageBalanceSinceInception)).toDP(2).toNumber() : 0;
+                const loanLifeIRRMul = daysHeld ? new decimal_js_1.default(periodDays).div(daysHeld).toNumber() : 0;
+                const loanLifeIRR = MOIC ? new decimal_js_1.default(MOIC).pow(loanLifeIRRMul).sub(1).toDP(4).toNumber() : 0;
+                const participantBalance = await this.loanChargesService.getParticipationBalance(product.code, end);
+                const newDataRow = {
+                    borrowerName: borrower.name,
+                    productName: product.name,
+                    maturityDate: product.maturityDate ? (0, dayjs_1.default)(product.maturityDate).format(dateFormat) : '',
+                    payOffDate: product.payoffDate ? (0, dayjs_1.default)(product.payoffDate).format(dateFormat) : '',
+                    commitmentAmount: product.commitment,
+                    endingBalance,
+                    endingParticipationBalance,
+                    netExposure,
+                    lastSignedBBCDate,
+                    compliance: complianceBorrower ? complianceBorrower.fundingStatus : '',
+                    averageBalanceSinceInception,
+                    totalIncomeReceived,
+                    loanLifeIRR,
+                    MOIC,
+                    participantBalance
+                };
+                productsDataMap.set(product._id.toString(), newDataRow);
+                allBorrowersSummary.push(newDataRow);
+            }
+        }
+        const sortedData = lodash_1.default.orderBy(allBorrowersSummary, ['borrowerName', 'productName'], ['asc', 'asc']);
+        const headerAsArray = (0, common_helper_1.reorderObject)(header, headerKeys);
+        const dataAsArrays = sortedData.map((row) => (0, common_helper_1.reorderObject)(row, headerKeys));
+        const headerWithStyles = Object.values(headerAsArray).reduce((acc, header) => [...acc, {
+                v: header,
+                t: 's',
+                s: styles.whiteOnGray,
+            }], []);
+        const dataWithStyles = Object.values(dataAsArrays).map((dataRow) => {
+            return Object.entries(dataRow).map(([key, v]) => ({
+                v,
+                t: allBorrowerSummaryRowFields[key] ? allBorrowerSummaryRowFields[key].t : 's',
+                z: allBorrowerSummaryRowFields[key] ? allBorrowerSummaryRowFields[key].z : {},
+            }));
+        });
+        const reportPeriod = [
+            [{ v: 'Report period', t: 's' }],
+            [{ v: 'From', t: 's' }, { v: (0, dayjs_1.default)(start).utcOffset(0).format(dateFormat), t: 's' }],
+            [{ v: 'To', t: 's' }, { v: (0, dayjs_1.default)(end).utcOffset(0).format(dateFormat), t: 's' }],
+        ];
+        return { report: [...reportPeriod, emptyRow, headerWithStyles, ...dataWithStyles] };
+    }
+    ;
+    async getAllBorrowersSummary(borrowerIds, start, end) {
+        const borrowerSummary = {};
+        for (const borrowerId of borrowerIds) {
+            const borrower = borrowersMap.get(borrowerId);
+            const formattedBorrowerName = borrower.name.replace(/[*?:\\/[\]]/g, '-');
+            const borrowerNameOrId = borrower ? formattedBorrowerName : borrowerId;
+            const borrowerData = await this.getBorrowerSummary(borrowerId, start, end);
+            if (borrowerData) {
+                borrowerSummary[borrowerNameOrId] = borrowerData;
+            }
+        }
+        return borrowerSummary;
+    }
+    ;
+    async getBorrowerSummary(borrowerId, start, end) {
+        const header = {
+            title: '',
+            grossValue: 'Gross Value',
+            ineligible: 'Ineligible',
+            netValue: 'Net Value',
+            advanceRate: 'Advance Rate',
+            availability: 'Availability',
+        };
+        const borrower = borrowersMap.get(borrowerId);
+        const borrowerTitle = [
+            { v: borrower?.name ?? borrowerId, s: styles.whiteOnBlack },
+            ...Array(borrowerTitleLength).fill({ v: '', s: styles.whiteOnBlack }),
+        ];
+        const getBorrowerSubTitle = async () => {
+            const borrowerOption = await this.borrowerService.getBorrowerOption(borrowerId, 'NAISC Code');
+            if (!borrowerOption) {
+                return [{ v: '' }];
+            }
+            const industry = await ProspectIndustry_model_1.CRMProspectIndustry.findOne({ code: borrowerOption.dataValue.toString() });
+            if (!industry) {
+                return [{ v: `NASIC CODE: ${borrowerOption.dataValue}` }];
+            }
+            return [{ v: `NASIC CODE: ${borrowerOption.dataValue}     INDUSTRY: ${industry.name.toLocaleUpperCase()}` }];
+        };
+        const borrowerSubTitle = await getBorrowerSubTitle();
+        const borrowerSummary = await BorrowerSummary_model_1.BorrowerSummary.findOne({ borrowerId });
+        const getSegment = (title) => {
+            const segment = [
+                { v: title, t: 's', s: styles.whiteOnGray },
+                ...Array(borrowerTitleLength).fill({ v: '', t: 's', s: styles.whiteOnGray }),
+            ];
+            return segment;
+        };
+        const headerKeys = Object.keys(header);
+        const headerAsArray = (0, common_helper_1.reorderObject)(header, headerKeys);
+        const headerWithStyles = Object.values(headerAsArray).reduce((acc, v) => [...acc, {
+                v,
+                t: 's',
+                s: rightAlign,
+            }], []);
+        const lastBBC = await (0, bbcDates_db_1.getLatestSignedBBCDateDoc)(borrowerId, (0, dayjs_1.default)(end).endOf('day').toDate());
+        if (!lastBBC) {
+            return null;
+        }
+        const availability = await this.availabilityService.getAllSummaries(lastBBC._id, null);
+        // INVENTORY
+        const inventoryRows = availability.inventory.reduce((acc, inventory) => {
+            if (inventory.inventoryName === 'TOTAL') {
+                return acc;
+            }
+            const newRow = {
+                title: inventory.inventoryName,
+                grossValue: inventory.totalValue,
+                ineligible: inventory.advanceRate === 0 ? inventory.totalValue : 0,
+                netValue: inventory.advanceRate === 0 ? 0 : inventory.totalValue,
+                advanceRate: inventory.advanceRate,
+                availability: inventory.availability,
+            };
+            return [...acc, newRow];
+        }, []);
+        inventoryRows.push({
+            title: 'Inventory Reserves',
+            grossValue: null,
+            ineligible: null,
+            netValue: null,
+            advanceRate: null,
+            availability: availability.reserve[reserve_types_enum_1.EReserveTypes.INVENTORY].availability ?? 0,
+        });
+        const inventorySumKeys = ['grossValue', 'ineligible', 'netValue', 'availability'];
+        const emptyTotalRow = {
+            title: 'Total Collateral',
+            grossValue: 0,
+            ineligible: 0,
+            netValue: 0,
+            advanceRate: 0,
+            availability: 0,
+        };
+        const inventoryTotalRow = inventoryRows.reduce((acc, row) => {
+            inventorySumKeys.forEach((key) => {
+                acc[key] = new decimal_js_1.default(acc[key]).add(row[key] ?? 0).toNumber();
+            });
+            acc.advanceRate = acc.netValue ? new decimal_js_1.default(acc.availability).div(acc.netValue).toDP(4).toNumber() : 0;
+            return acc;
+        }, { ...emptyTotalRow, title: 'Total Inventory Collateral' });
+        const inventoryDataAsArrays = inventoryRows.map((row) => (0, common_helper_1.reorderObject)(row, headerKeys));
+        const inventoryRowDataWithStyles = styleRowData(inventoryDataAsArrays);
+        const inventoryTotalDataWithStyles = styleRowData([inventoryTotalRow], styles.blackOnWhiteWithTopBorder);
+        const inventoryDataWithStyles = [...inventoryRowDataWithStyles, ...inventoryTotalDataWithStyles];
+        // RECEIVABLE
+        const receivableRows = [];
+        const totalComponents = new decimal_js_1.default(availability.receivable.uninsuredComponent).add(availability.receivable.insuredComponent);
+        const grossUninsured = totalComponents
+            ? new decimal_js_1.default(availability.receivable.uninsuredComponent).div(totalComponents).mul(availability.receivable.invoiceAmount).toDP(4).toNumber()
+            : 0;
+        const ARUninsuredRow = {
+            title: 'AR Uninsured',
+            grossValue: grossUninsured, // B
+            ineligible: new decimal_js_1.default(availability.receivable.uninsuredComponent).sub(grossUninsured).toNumber(), // C
+            netValue: availability.receivable.uninsuredComponent, // D
+            advanceRate: availability.receivable.uninsuredAvailability ? new decimal_js_1.default(availability.receivable.uninsuredAvailability).div(availability.receivable.uninsuredComponent).toDP(4).toNumber() : 0, // E
+            availability: availability.receivable.uninsuredAvailability, // F
+        };
+        const grossInsured = totalComponents
+            ? new decimal_js_1.default(availability.receivable.insuredComponent).div(totalComponents).mul(availability.receivable.invoiceAmount).toDP(4).toNumber()
+            : 0;
+        const ARInsuredRow = {
+            title: 'AR Insured',
+            grossValue: grossInsured, // B
+            ineligible: new decimal_js_1.default(availability.receivable.insuredComponent).sub(grossInsured).toNumber(), // C
+            netValue: availability.receivable.insuredComponent, // D
+            advanceRate: availability.receivable.insuredAvailability ? new decimal_js_1.default(availability.receivable.insuredAvailability).div(availability.receivable.insuredComponent).toDP(4).toNumber() : 0, // E
+            availability: availability.receivable.insuredAvailability, // F
+        };
+        const ARReservesRow = {
+            title: 'AR Reserves',
+            grossValue: null,
+            ineligible: null,
+            netValue: null,
+            advanceRate: null,
+            availability: availability.reserve[reserve_types_enum_1.EReserveTypes.RECEIVABLES].amount ?? 0,
+        };
+        receivableRows.push(ARUninsuredRow, ARInsuredRow, ARReservesRow);
+        const receivableTotalRow = { ...emptyTotalRow, title: 'Total Receivable Collateral' };
+        const fields = ['grossValue', 'ineligible', 'netValue', 'availability'];
+        fields.forEach((field) => {
+            receivableTotalRow[field] = new decimal_js_1.default(ARUninsuredRow[field]).add(ARInsuredRow[field]).sub(ARReservesRow[field] ?? 0).toNumber();
+        });
+        receivableTotalRow.advanceRate = receivableTotalRow.netValue ? new decimal_js_1.default(receivableTotalRow.availability).div(receivableTotalRow.netValue).toDP(4).toNumber() : 0;
+        const receivableDataAsArrays = receivableRows.map((row) => (0, common_helper_1.reorderObject)(row, headerKeys));
+        const receivableRowDataWithStyles = styleRowData(receivableDataAsArrays);
+        const receivableTotalDataWithStyles = styleRowData([receivableTotalRow], styles.blackOnWhiteWithTopBorder);
+        const receivableDataWithStyles = [...receivableRowDataWithStyles, ...receivableTotalDataWithStyles];
+        // RESERVES
+        const reserveRows = [];
+        const otherReservesAvailability = Object
+            .entries(availability.reserve)
+            .reduce((acc, [key, el]) => {
+            if (key === reserve_types_enum_1.EReserveTypes.EQUIPMENT || key === reserve_types_enum_1.EReserveTypes.INVENTORY || key === reserve_types_enum_1.EReserveTypes.RECEIVABLES) {
+                return acc;
+            }
+            return new decimal_js_1.default(acc).sub(el.amount).toNumber();
+        }, 0);
+        const otherReservesRow = {
+            title: 'Other non-equipment reserves',
+            grossValue: null,
+            ineligible: null,
+            netValue: null,
+            advanceRate: null,
+            availability: otherReservesAvailability,
+        };
+        const collateralAdjustmentsAvailability = Object.values(availability.collateralAdjustment.summary).reduce((acc, summaryRow) => new decimal_js_1.default(acc).add(summaryRow.amount).abs().toNumber(), 0);
+        const collateralAdjustmentsRow = {
+            title: 'Collateral Adjustments',
+            grossValue: null,
+            ineligible: null,
+            netValue: null,
+            advanceRate: null,
+            availability: collateralAdjustmentsAvailability,
+        };
+        reserveRows.push(otherReservesRow, collateralAdjustmentsRow);
+        const reserveTotalRow = reserveRows.reduce((acc, row) => {
+            inventorySumKeys.forEach((key) => {
+                acc[key] = new decimal_js_1.default(acc[key]).add(row[key] ?? 0).toNumber();
+            });
+            acc.advanceRate = row.netValue ? new decimal_js_1.default(acc.availability).div(row.netValue).toNumber() : 0;
+            return acc;
+        }, { ...emptyTotalRow, title: 'Other Reserves & Adjustments' });
+        const reserveDataAsArrays = reserveRows.map((row) => (0, common_helper_1.reorderObject)(row, headerKeys));
+        const reserveRowDataWithStyles = styleRowData(reserveDataAsArrays);
+        const reserveTotalDataWithStyles = styleRowData([reserveTotalRow], styles.blackOnWhiteWithTopBorder);
+        const reserveDataWithStyles = [...reserveRowDataWithStyles, ...reserveTotalDataWithStyles];
+        const loanBalanceTotalRows = [];
+        const totalRevolvingCollateralRow = {
+            title: 'Total Revolving Collateral',
+            grossValue: '',
+            ineligible: '',
+            netValue: '',
+            advanceRate: '',
+            availability: new decimal_js_1.default(inventoryTotalRow.availability).add(receivableTotalRow.availability).sub(reserveTotalRow.availability).toNumber(),
+        };
+        const loanBalanceRow = {
+            title: 'Loan Balance',
+            grossValue: '',
+            ineligible: '',
+            netValue: '',
+            advanceRate: '',
+            availability: availability.loanBalances.REVOLVER,
+        };
+        const netRevolverAvailabilityRow = {
+            title: 'Net Revolver Availability',
+            grossValue: '',
+            ineligible: '',
+            netValue: '',
+            advanceRate: '',
+            availability: new decimal_js_1.default(totalRevolvingCollateralRow.availability).sub(loanBalanceRow.availability).toNumber(),
+        };
+        const accruedStatementRow = {
+            title: 'Accrued Statement',
+            grossValue: '',
+            ineligible: '',
+            netValue: '',
+            advanceRate: '',
+            availability: availability.accruedStatement,
+        };
+        const availableToBorrowRow = {
+            title: 'Available To Borrow',
+            grossValue: '',
+            ineligible: '',
+            netValue: '',
+            advanceRate: '',
+            availability: new decimal_js_1.default(netRevolverAvailabilityRow.availability).sub(accruedStatementRow.availability).toNumber(),
+        };
+        loanBalanceTotalRows.push(totalRevolvingCollateralRow, loanBalanceRow, netRevolverAvailabilityRow, accruedStatementRow, availableToBorrowRow, { title: '', netValue: null, grossValue: null, ineligible: null, advanceRate: null, availability: null });
+        const borrowerProducts = [...productsMap.values()]
+            .filter((product) => product.borrowerId.toString() === borrowerId)
+            .sort((a, b) => (a.type > b.type ? 1 : -1));
+        for (const product of borrowerProducts) {
+            const month = (0, dayjs_1.default)(end).month() + 1;
+            const year = (0, dayjs_1.default)(end).year();
+            const monthEndData = await this.monthEndDataService.getMonthEndData(product._id.toString(), year, month);
+            const productType = product.type[0].toUpperCase() + product.type.slice(1).toLowerCase();
+            const dataToShow = {
+                [MonthEndData_Model_1.EMonthEndDataType.BALANCE]: `Month End ${productType} Loan Balance`,
+                [MonthEndData_Model_1.EMonthEndDataType.STATEMENT_BALANCE]: `Month End ${productType} Accrued Statement`,
+            };
+            Object.entries(dataToShow).forEach(([dataType, title]) => {
+                const monthEndDataDoc = monthEndData.find((msd) => msd.dataType === dataType);
+                if (monthEndDataDoc) {
+                    const monthEndLoanBalanceRow = {
+                        title,
+                        grossValue: '',
+                        ineligible: '',
+                        netValue: '',
+                        advanceRate: '',
+                        availability: monthEndDataDoc.dataValue,
+                    };
+                    loanBalanceTotalRows.push(monthEndLoanBalanceRow);
+                }
+            });
+            if (monthEndData.length) {
+                loanBalanceTotalRows.push({ ...emptyTotalRow, title: '', netValue: null, availability: null, grossValue: null, ineligible: null, advanceRate: null });
+            }
+        }
+        const loanBalanceTotalDataAsArrays = loanBalanceTotalRows.map((row) => (0, common_helper_1.reorderObject)(row, headerKeys));
+        const totalRows = ['Net Revolver Availability', 'Available To Borrow'];
+        const loanBalanceTotalDataAsArraysWithStyles = Object.values([...loanBalanceTotalDataAsArrays]).map((dataRow) => {
+            return Object.values(dataRow).map((v) => ({
+                v,
+                t: typeof v === 'number' ? 'n' : 's',
+                z: numberFormat.thousands,
+                ...(totalRows.includes(dataRow.title) ? { s: styles.blackOnWhiteWithTopBorder } : {}),
+            }));
+        });
+        // TERM LOAN
+        const getTermLoanSection = async () => {
+            const termProduct = [...productsMap.values()].find((product) => product.borrowerId.toString() === borrowerId && product.type === loan_types_enum_1.ELoanTypes.TERM && product.active);
+            if (!termProduct || !availability) {
+                return [emptyRow];
+            }
+            const equipmentOrder = {
+                [equipment_types_enum_1.EEquipmentTypes.EQUIPMENT]: { title: 'Equipment', s: {} },
+                [equipment_types_enum_1.EEquipmentTypes.REAL_ESTATE]: { title: 'Real estate', s: {} },
+                [equipment_types_enum_1.EEquipmentTypes.BOOT_COLLATERAL]: { title: 'Boot collateral', s: {} },
+                'grossTotal': { title: 'GROSS TOTAL', s: { font: { bold: true } } },
+                [equipment_types_enum_1.EEquipmentTypes.INTELLECTUAL_PROPERTY]: { title: 'Intellectual property', s: {} },
+                'netTotal': { title: 'NET TOTAL', s: { font: { bold: true } } },
+            };
+            const rows = [[{ v: 'Inventory type' }, { v: 'Amount' }, { v: 'Advance rate' }, { v: 'Availability' }]];
+            Object.entries(equipmentOrder).forEach(([key, desc]) => {
+                const newRow = [
+                    { v: desc.title, s: desc.s },
+                    { v: availability.equipment[key].amount ?? 0, t: 'n', z: numberFormat.thousands, s: desc.s },
+                    { v: availability.equipment[key].advanceRate ?? 0, t: 'n', z: numberFormat.percent, s: desc.s },
+                    { v: availability.equipment[key].availability ?? 0, t: 'n', z: numberFormat.thousands, s: desc.s },
+                ];
+                rows.push(newRow);
+            });
+            rows.push(emptyRow);
+            rows.push([{ v: '' }, { v: 'Gross Amount' }, { v: 'Availability' }]);
+            rows.push([
+                { v: 'Term Reserve' },
+                { v: availability.equipment[equipment_types_enum_1.EEquipmentTypes.EQUIPMENT].amount, t: 'n', z: numberFormat.thousands },
+                { v: availability.equipment[equipment_types_enum_1.EEquipmentTypes.EQUIPMENT].availability, t: 'n', z: numberFormat.thousands },
+            ]);
+            rows.push([
+                { v: 'Loan Balance' },
+                { v: 0, t: 'n' },
+                { v: availability.loanBalances.TERM, t: 'n', z: numberFormat.thousands },
+            ]);
+            rows.push([
+                { v: 'Net Availability' },
+                { v: availability.equipment[equipment_types_enum_1.EEquipmentTypes.EQUIPMENT].amount, t: 'n', z: numberFormat.thousands },
+                {
+                    v: new decimal_js_1.default(availability.equipment['netTotal'].availability).sub(availability.loanBalances.TERM).toNumber(),
+                    t: 'n',
+                    z: numberFormat.thousands,
+                },
+            ]);
+            return [
+                getSegment('TERM LOAN DETAILS'),
+                emptyRow,
+                ...rows,
+                emptyRow,
+            ];
+        };
+        const termLoanData = await getTermLoanSection();
+        // LOAN ECONOMICS
+        const getLoanEconomics = async () => {
+            const loanEconomicsData = [];
+            const products = [...productsMap.values()];
+            const yieldProducts = products.filter((product) => product.borrowerId.toString() === borrowerId);
+            for (const product of yieldProducts) {
+                const chargesData = [];
+                const productData = productsDataMap.get(product._id.toString());
+                loanEconomicsData.push(emptyRow);
+                loanEconomicsData.push([
+                    { v: product.name, s: styles.blackOnWhiteWithBottomBorder },
+                    ...Array(6).fill({ v: '', s: styles.blackOnWhiteWithBottomBorder }),
+                ]);
+                if (productData) {
+                    loanEconomicsData.push([{ v: 'Average Balance Since Inception' }, {
+                            v: productData.averageBalanceSinceInception,
+                            t: 'n',
+                            z: numberFormat.thousands,
+                        }]);
+                    loanEconomicsData.push([{ v: 'Total Income Received' }, {
+                            v: productData.totalIncomeReceived,
+                            t: 'n',
+                            z: numberFormat.thousands,
+                        }]);
+                    loanEconomicsData.push([{ v: 'Loan Life IRR' }, {
+                            v: productData.loanLifeIRR,
+                            t: 'n',
+                            z: numberFormat.percent,
+                        }]);
+                    loanEconomicsData.push([{ v: 'MOIC' }, {
+                            v: productData.MOIC,
+                            t: 'n',
+                            z: numberFormat.xNumber,
+                        }]);
+                }
+                const dataDeep = 5;
+                const periodEnd = { month: (0, dayjs_1.default)(start).month() + 1, year: (0, dayjs_1.default)(start).year() };
+                const periodStart = (0, financial_spreading_service_1.getShiftedMonth)(periodEnd, -dataDeep);
+                const monthHeader = [];
+                const months = [];
+                for (let i = 0; i <= dataDeep; i++) {
+                    const currentMonth = (0, financial_spreading_service_1.getShiftedMonth)(periodEnd, -i);
+                    monthHeader.push({
+                        v: `${currentMonth.month}/${currentMonth.year}`,
+                        t: 's',
+                        s: { alignment: { horizontal: 'right' } },
+                    });
+                    months.push((0, dayjs_1.default)(`${currentMonth.year}-${currentMonth.month}-01`).format('YYYY-MM'));
+                }
+                loanEconomicsData.push(emptyRow);
+                loanEconomicsData.push([{ v: '' }, ...monthHeader]);
+                const transactions = await this.loanTransactionsService.getLoanTransactions({
+                    borrowerId,
+                    productId: product._id.toString(),
+                    periodStart: (0, dayjs_1.default)(`${periodStart.year}-${periodStart.month}-01`).utcOffset(0).toDate(),
+                    periodEnd: end,
+                }, null, false);
+                const grouped = lodash_1.default.groupBy(transactions, (tx) => (0, dayjs_1.default)(tx.date).format('YYYY-MM'));
+                const yieldData = await this.yieldService.getCalculatedYieldTotalsForPeriod(product._id.toString(), periodStart, periodEnd);
+                const yieldDataSorted = yieldData.slice().sort((a, b) => {
+                    if (a.year !== b.year) {
+                        return b.year - a.year;
+                    }
+                    return b.month - a.month;
+                });
+                const totalDisbursementRow = [{ v: 'Total Disbursements in Month' }];
+                const countDisbursementRow = [{ v: 'Number of Disbursements' }];
+                const loanTurnRow = [{ v: 'Loan Turn (days)' }];
+                const totalCollectionRow = [{ v: 'Total Collections in Month' }];
+                const countCollectionRow = [{ v: 'Number of Collections' }];
+                const charges = [...chargesMap.values()]
+                    .filter((charge) => charge.productId.toString() === product._id.toString() && charge.includeInYield)
+                    .sort((a, b) => a.order - b.order);
+                for (const month of months) {
+                    const txs = grouped[month] ?? [];
+                    const disbursements = txs.filter((t) => t.transactionType === LoanTransaction_model_1.ELoanTransactionTypes.DISBURSEMENT);
+                    const collections = txs.filter((t) => t.transactionType === LoanTransaction_model_1.ELoanTransactionTypes.COLLECTION);
+                    const totalDisbursements = lodash_1.default.sumBy(disbursements, 'amount');
+                    const totalCollections = Math.abs(lodash_1.default.sumBy(collections, 'amount'));
+                    totalDisbursementRow.push({ v: totalDisbursements, t: 'n', z: numberFormat.thousands });
+                    countDisbursementRow.push({ v: disbursements.length, t: 'n', z: numberFormat.shortNumber });
+                    totalCollectionRow.push({ v: totalCollections, t: 'n', z: numberFormat.thousands });
+                    countCollectionRow.push({ v: collections.length, t: 'n', z: numberFormat.shortNumber });
+                }
+                charges.forEach((charge) => {
+                    const chargeYieldData = yieldDataSorted.filter((yieldDataDoc) => {
+                        return yieldDataDoc.chargeId?.toString() === charge._id.toString();
+                    });
+                    const chargeData = chargeYieldData.reduce((acc, chargeYieldDataDoc) => {
+                        const newRow = chargeYieldDataDoc.valuePercent < 0
+                            ? negativeCell
+                            : { v: chargeYieldDataDoc.valuePercent, t: 'n', z: numberFormat.percent };
+                        return [...acc, newRow];
+                    }, [{ v: charge.name, t: 's' }]);
+                    chargesData.push(chargeData);
+                });
+                chargesData.push(emptyRow);
+                Object.entries(yield_service_1.YIELD_TOTALS_MAP).forEach(([totalType, total]) => {
+                    const totalYieldData = yieldDataSorted
+                        .filter((yieldDataDoc) => {
+                        return yieldDataDoc.totalType === totalType;
+                    })
+                        .sort((a, b) => {
+                        if (a.year !== b.year) {
+                            return b.year - a.year;
+                        }
+                        return b.month - a.month;
+                    });
+                    if (totalType === yield_service_1.ETotalType.AVERAGE_BALANCE) {
+                        const loanTurn = totalYieldData.reduce((acc, yieldDataDoc) => {
+                            const monthStart = (0, dayjs_1.default)(`${yieldDataDoc.year}-${yieldDataDoc.month}-01`).utcOffset(0);
+                            const daysInMonth = monthStart.daysInMonth();
+                            const txs = grouped[monthStart.format('YYYY-MM')] ?? [];
+                            const collections = txs.filter((t) => t.transactionType === LoanTransaction_model_1.ELoanTransactionTypes.COLLECTION);
+                            const totalCollections = lodash_1.default.sumBy(collections, 'amount');
+                            const newRow = {
+                                v: totalCollections === 0 ? 0 : new decimal_js_1.default(yieldDataDoc.value).div(Math.abs(totalCollections)).mul(daysInMonth).round().toNumber(),
+                                t: 'n',
+                                z: numberFormat.thousands,
+                            };
+                            return [...acc, newRow];
+                        }, []);
+                        loanTurnRow.push(...loanTurn);
+                    }
+                    const replacedValues = [yield_service_1.ETotalType.APR_GROSS, yield_service_1.ETotalType.APR_LIFE_GROSS];
+                    const chargeData = totalYieldData.reduce((acc, yieldDataDoc) => {
+                        const isPercent = !!yieldDataDoc.valuePercent;
+                        if (replacedValues.includes(yield_service_1.ETotalType[yieldDataDoc.totalType]) && yieldDataDoc.valuePercent < 0) {
+                            return [...acc, negativeCell];
+                        }
+                        const newRow = isPercent
+                            ? { v: yieldDataDoc.valuePercent, t: 'n', z: numberFormat.percent }
+                            : { v: yieldDataDoc.value, t: 'n', z: numberFormat.thousands };
+                        return [...acc, newRow];
+                    }, [{ v: total.title, t: 's' }]);
+                    chargesData.push(chargeData);
+                });
+                loanEconomicsData.push(totalDisbursementRow);
+                loanEconomicsData.push(totalCollectionRow);
+                loanEconomicsData.push(loanTurnRow);
+                loanEconomicsData.push(countDisbursementRow);
+                loanEconomicsData.push(countCollectionRow);
+                loanEconomicsData.push(emptyRow);
+                loanEconomicsData.push(...chargesData);
+            }
+            return loanEconomicsData;
+        };
+        const loanEconomicsData = await getLoanEconomics();
+        // FINANCIAL
+        const getFinancialDate = async (endDate) => {
+            const month = (0, dayjs_1.default)(endDate).month();
+            const year = (0, dayjs_1.default)(endDate).year();
+            const monthDeep = 11;
+            const { data: dataPL, sheets: sheetsPL } = await this.financialSpreadingService.getFinancialSpreadingData({
+                borrowerId,
+                financialSpreadingType: FinancialSpreadingSheet_model_1.EFinancialSpreadingType.PROFIT_LOSS,
+                selectedMonth: { month, year },
+            }, monthDeep);
+            const { data: dataBS, sheets: sheetsBS } = await this.financialSpreadingService.getFinancialSpreadingData({
+                borrowerId,
+                financialSpreadingType: FinancialSpreadingSheet_model_1.EFinancialSpreadingType.BALANCE_SHEET,
+                selectedMonth: { month, year },
+            }, monthDeep);
+            const data = [...dataPL, ...dataBS];
+            const sheets = [...sheetsPL, ...sheetsBS];
+            const generateMonthCells = () => {
+                const result = [];
+                for (let i = 0; i <= monthDeep; i++) {
+                    const date = (0, dayjs_1.default)(`${year}-${String(month).padStart(2, '0')}-01`).subtract(i, 'month');
+                    result.push({
+                        v: date.endOf('month').format(dateFormat),
+                        t: 's',
+                        s: rightAlign,
+                    });
+                }
+                return [{ v: 'Last 12 months', t: 's' }, ...result];
+            };
+            const percentageIndexes = [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.GROSS_MARGIN, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.OPERATING_MARGIN];
+            const convertAmount = (index, amount) => {
+                if (percentageIndexes.includes(index)) {
+                    return new decimal_js_1.default(amount).div(100).toDP(4).toNumber();
+                }
+                return amount;
+            };
+            const createFinancialIndexes = (enumObj, keys, overrides = {}) => keys.reduce((acc, key) => {
+                const enumValue = enumObj[key];
+                acc[enumValue] = {
+                    format: overrides[key]?.format ?? numberFormat.thousands,
+                    title: overrides[key]?.title ?? FinancialSpreadingSheet_model_1.financialSpreadingTotalDictionary[enumValue],
+                    addEmptyRow: overrides[key]?.addEmptyRow ?? false,
+                    style: overrides[key]?.style ?? {},
+                };
+                return acc;
+            }, {});
+            const financialPLIndexes = createFinancialIndexes(FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal, [
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.SALES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.COST_OF_SALES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.GROSS_PROFIT,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.GROSS_MARGIN,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.OPERATING_EXPENSES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.OPERATING_MARGIN,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.NON_OPERATING_EXPENSES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.NON_OPERATING_INCOME,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.FINANCING_COSTS,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.DEPRECIATION_AMORTIZATION,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.TAX,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.NET_INCOME,
+            ], {
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.GROSS_MARGIN]: {
+                    format: numberFormat.percent,
+                    addEmptyRow: true,
+                    style: { font: { italic: true, name: 'Calibri' } },
+                },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.OPERATING_MARGIN]: {
+                    format: numberFormat.percent,
+                    addEmptyRow: true,
+                    style: { font: { italic: true, name: 'Calibri' } },
+                },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS]: {
+                    title: 'EBITDA',
+                    format: numberFormat.thousands,
+                    style: { font: { bold: true, name: 'Calibri' } },
+                },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.NON_OPERATING_EXPENSES]: {
+                    style: { font: { bold: true, name: 'Calibri' } },
+                },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.NON_OPERATING_INCOME]: {
+                    style: { font: { bold: true, name: 'Calibri' } },
+                },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.NET_INCOME]: {
+                    style: { font: { bold: true, name: 'Calibri' } },
+                },
+            });
+            const financialBSIndexes = createFinancialIndexes(FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal, [
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.CASH_EQUIVALENTS,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TRADE_RECEIVABLES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.INVENTORY,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.OTHER_CURRENT_ASSETS,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_CURRENT_ASSET,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_ASSETS,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.ACCOUNTS_PAYABLE,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.OTHER_CURRENT_LIABILITIES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_CURRENT_LIABILITIES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.COMPANY_DEBT,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.OTHER_DEBT,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.OTHER_LONG_TERM_LIABILITIES,
+                FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_LIABILITIES,
+            ], {
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_CURRENT_ASSET]: { style: { font: { bold: true, name: 'Calibri' } } },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_ASSETS]: {
+                    addEmptyRow: true,
+                    style: { font: { bold: true, name: 'Calibri' } },
+                },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_CURRENT_LIABILITIES]: {
+                    addEmptyRow: true,
+                    style: { font: { bold: true, name: 'Calibri' } },
+                },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.COMPANY_DEBT]: { title: 'Senior Debt' },
+                [FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TOTAL_LIABILITIES]: { style: { font: { bold: true, name: 'Calibri' } } },
+            });
+            const generateFinancialRows = (financialIndexes, enumObj) => {
+                return Object.entries(financialIndexes).reduce((acc, [financialIndex, options]) => {
+                    const sheet = sheets.find((s) => financialIndex === enumObj[s.rowType] && s.isTotal);
+                    if (!sheet) {
+                        return acc;
+                    }
+                    const dataEntry = data.find((d) => d.sheetId === sheet._id);
+                    if (!dataEntry) {
+                        return acc;
+                    }
+                    const baseValue = convertAmount(enumObj[financialIndex], dataEntry.amount);
+                    const monthlyValues = Array.from({ length: monthDeep }, (_, i) => ({
+                        v: convertAmount(enumObj[financialIndex], dataEntry[`minus_${i + 1}`]),
+                        t: 'n',
+                        z: options.format,
+                        s: options.style,
+                    }));
+                    const row = [
+                        { v: options.title, t: 's', s: options.style },
+                        { v: baseValue, t: 'n', z: options.format },
+                        ...monthlyValues,
+                    ];
+                    return options.addEmptyRow ? [...acc, row, emptyRow] : [...acc, row];
+                }, []);
+            };
+            const get = (base, i, key) => new decimal_js_1.default(i === 0 ? base[key]?.amount : base[key]?.[`minus_${i}`] ?? 0);
+            const financialRatioFormulas = [
+                {
+                    label: 'Fixed Charge Coverage Ratio',
+                    dependencies: [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.FINANCING_COSTS, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.DEPRECIATION_AMORTIZATION, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS],
+                    format: numberFormat.xNumber1DP,
+                    formula: (base, i) => {
+                        const EBITDA = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS);
+                        const DepreciationAmortization = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.DEPRECIATION_AMORTIZATION);
+                        const FinancingCost = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.FINANCING_COSTS);
+                        if (FinancingCost.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        const result = EBITDA.sub(DepreciationAmortization).add(FinancingCost).div(FinancingCost).toDP(4);
+                        if (result.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        return result.toNumber();
+                    },
+                },
+                {
+                    label: 'Interest Coverage Ratio',
+                    dependencies: [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.FINANCING_COSTS, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.DEPRECIATION_AMORTIZATION, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS],
+                    format: numberFormat.xNumber1DP,
+                    formula: (base, i) => {
+                        const EBITDA = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS);
+                        const DepreciationAmortization = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.DEPRECIATION_AMORTIZATION);
+                        const FinancingCost = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.FINANCING_COSTS);
+                        if (FinancingCost.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        const result = EBITDA.add(DepreciationAmortization).div(FinancingCost).toDP(4);
+                        if (result.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        return result.toNumber();
+                    },
+                },
+                {
+                    label: 'Total Debt / EBITDA',
+                    dependencies: [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.COMPANY_DEBT, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.OTHER_DEBT],
+                    format: numberFormat.xNumber1DP,
+                    formula: (base, i) => {
+                        const EBITDA = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS);
+                        const CompanyDebt = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.COMPANY_DEBT);
+                        const OtherDebt = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.OTHER_DEBT);
+                        if (EBITDA.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        const result = CompanyDebt.add(OtherDebt).abs().div(EBITDA).toDP(4);
+                        if (result.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        return result.toNumber();
+                    },
+                },
+                {
+                    label: 'Senior Debt / EBITDA',
+                    dependencies: [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.COMPANY_DEBT],
+                    format: numberFormat.xNumber1DP,
+                    formula: (base, i) => {
+                        const EBITDA = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.INCOME_FROM_OPERATIONS);
+                        const CompanyDebt = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.COMPANY_DEBT);
+                        if (EBITDA.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        const result = CompanyDebt.div(EBITDA).toDP(4);
+                        if (result.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        return result.toNumber();
+                    },
+                },
+                {
+                    label: 'AR Turnover Days',
+                    dependencies: [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.SALES, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TRADE_RECEIVABLES],
+                    format: numberFormat.fullNumber,
+                    formula: (base, i) => {
+                        const Sales = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.SALES);
+                        const TradeReceivables = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.TRADE_RECEIVABLES);
+                        if (Sales.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        const result = TradeReceivables.abs().div(Sales).mul(30).toDP(0);
+                        if (result.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        return result.toNumber();
+                    },
+                },
+                {
+                    label: 'AP Turnover Days',
+                    dependencies: [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.COST_OF_SALES, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.ACCOUNTS_PAYABLE],
+                    format: numberFormat.fullNumber,
+                    formula: (base, i) => {
+                        const CostOfSales = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.COST_OF_SALES);
+                        const AccountsPayable = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.ACCOUNTS_PAYABLE);
+                        if (CostOfSales.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        const result = AccountsPayable.abs().div(CostOfSales).mul(30).toDP(0);
+                        if (result.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        return result.toNumber();
+                    },
+                },
+                {
+                    label: 'Inventory Turnover Days',
+                    dependencies: [FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.COST_OF_SALES, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.INVENTORY],
+                    format: numberFormat.fullNumber,
+                    formula: (base, i) => {
+                        const CostOfSales = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal.COST_OF_SALES);
+                        const Inventory = get(base, i, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal.INVENTORY);
+                        if (CostOfSales.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        const result = Inventory.abs().div(CostOfSales).mul(30).toDP(0);
+                        if (result.lessThanOrEqualTo(0)) {
+                            return null;
+                        }
+                        return result.toNumber();
+                    },
+                },
+            ];
+            const generateFinancialRatios = () => {
+                const ratiosData = [[{ v: 'FINANCIAL RATIOS:' }]];
+                const financialRatiosBaseKeys = lodash_1.default.uniq(financialRatioFormulas.flatMap((f) => f.dependencies));
+                const financialRatiosBase = financialRatiosBaseKeys.reduce((acc, key) => {
+                    const sheet = sheets.find((s) => s.rowType === key && s.isTotal);
+                    const dataEntry = data.find((d) => d.sheetId.toString() === sheet._id.toString());
+                    return { ...acc, [key]: dataEntry };
+                }, {});
+                const ratioRows = financialRatioFormulas.map(({ label, formula, format }) => {
+                    const row = [{ v: label, t: 's' }];
+                    for (let i = 0; i <= monthDeep; i++) {
+                        const result = formula(financialRatiosBase, i);
+                        if (result) {
+                            row.push({ v: result, t: 'n', z: format ?? numberFormat.thousands });
+                        }
+                        else {
+                            row.push(negativeCell);
+                        }
+                    }
+                    return row;
+                });
+                return [...ratiosData, ...ratioRows];
+            };
+            const financialPLDataFull = generateFinancialRows(financialPLIndexes, FinancialSpreadingSheet_model_1.EFinanceSpreadingPLTotal);
+            const financialBSDataFull = generateFinancialRows(financialBSIndexes, FinancialSpreadingSheet_model_1.EFinanceSpreadingBSTotal);
+            const financialRatios = generateFinancialRatios();
+            return [
+                generateMonthCells(),
+                emptyRow,
+                [{ v: 'PROFIT & LOSS HIGHLIGHTS', t: 's' }],
+                ...financialPLDataFull,
+                emptyRow,
+                [{ v: 'BALANCE SHEET HIGHLIGHTS', t: 's' }],
+                ...financialBSDataFull,
+                emptyRow,
+                ...financialRatios,
+            ];
+        };
+        const financialData = await getFinancialDate(end);
+        // HEADROOM
+        const getHeadRoomRows = async () => {
+            if (!borrowerSummary) {
+                return [];
+            }
+            const headSourceData = borrowerSummary.chartData.LAST_6_MONTH.data.reverse();
+            const headRoomHeader = headSourceData.reduce((acc, row) => {
+                return [...acc, { v: row.bbc, t: 's', s: rightAlign }];
+            }, [{ v: 'Last 6 months' }]);
+            const totalRevolver = headSourceData.map((dataRow) => dataRow.revolverCollateralTotal);
+            const totalRevolverBalance = headSourceData.map((dataRow) => dataRow.revolverLoanBalance);
+            const headRoom = headSourceData.map((dataRow) => {
+                if (dataRow.revolverCollateralTotal === 0) {
+                    return 0;
+                }
+                return new decimal_js_1.default(dataRow.revolverCollateralTotal).sub(dataRow.revolverLoanBalance).div(dataRow.revolverCollateralTotal).toDP(2).toNumber();
+            });
+            const totalRevolverWithStyle = totalRevolver.map((v) => ({
+                v,
+                t: 'n',
+                z: numberFormat.thousands,
+            }));
+            const totalRevolverBalanceWithStyle = totalRevolverBalance.map((v) => ({
+                v,
+                t: 'n',
+                z: numberFormat.thousands,
+            }));
+            const headRoomWithStyle = headRoom.map((v) => ({ v, t: 'n', z: '0.00%' }));
+            const headRoomRows = [
+                [{ v: 'Total Revolver Availability', t: 's' }, ...totalRevolverWithStyle],
+                [{ v: 'Revolver Loan Balance', t: 's' }, ...totalRevolverBalanceWithStyle],
+                [{ v: 'Headroom %', t: 's' }, ...headRoomWithStyle],
+            ];
+            return [headRoomHeader, ...headRoomRows];
+        };
+        const headRoomData = await getHeadRoomRows();
+        // TOP 5
+        const getTop5Data = async () => {
+            const top5SKUs_new = await this.borrowerSummaryService.getTop5SKUsData(borrowerId);
+            const top5CustomerConcentration_new = await this.borrowerSummaryService.getTop5CustomersConcentrationData(borrowerId);
+            const gap = 1;
+            const titleStyleLeft = {
+                font: { bold: true, name: 'Calibri' },
+                alignment: { horizontal: 'left' },
+            };
+            const titleStyleRight = {
+                font: { bold: true, name: 'Calibri' },
+                alignment: { horizontal: 'right' },
+            };
+            const getTop5SummaryTable = (title, headers, rows, startColIndex) => {
+                const result = [];
+                const total = rows.reduce((acc, row) => new decimal_js_1.default(acc).add(row.totalAmount).toNumber(), 0);
+                // Title
+                result.push(Array(startColIndex).fill({ v: '' }).concat([
+                    { v: title, t: 's', s: titleStyleLeft },
+                    { v: '' },
+                    { v: '' },
+                ]));
+                // Headers
+                result.push(Array(startColIndex).fill({ v: '' }).concat(headers.map((header, index) => ({ v: header, t: 's', s: index > 0 ? titleStyleRight : titleStyleLeft }))));
+                // Data rows
+                for (const row of rows.slice(0, 5)) {
+                    result.push(Array(startColIndex).fill({ v: '' }).concat([
+                        { v: row._id, t: 's' },
+                        {
+                            v: row.totalAmount,
+                            t: 'n',
+                            z: numberFormat.thousands,
+                        },
+                        {
+                            v: new decimal_js_1.default(row.totalAmount).div(total).toDP(4).toNumber(),
+                            t: 'n',
+                            z: numberFormat.percent,
+                        },
+                    ]));
+                }
+                return result;
+            };
+            const leftTable = getTop5SummaryTable('Top 5 SKU', ['SKU', 'Value', '%'], top5SKUs_new, 1);
+            const rightTable = getTop5SummaryTable('Top 5 customers', ['Customer', 'Value', '%'], top5CustomerConcentration_new, gap);
+            const maxRows = Math.max(leftTable.length, rightTable.length);
+            const combined = [];
+            for (let i = 0; i < maxRows; i++) {
+                combined.push([
+                    ...(leftTable[i] || []),
+                    ...(rightTable[i] || []),
+                ]);
+            }
+            return combined;
+        };
+        const top5Data = await getTop5Data();
+        // COMPLIANCE REPORT
+        const complianceItemsHeader = {
+            name: 'Item',
+            dueDate: 'Due date',
+            progress: 'Progress',
+            submittedDate: 'Submitted date',
+            status: 'Status',
+        };
+        const complianceItemsHeaderKeys = Object.keys(complianceItemsHeader);
+        const complianceItemsHeaderAsArray = (0, common_helper_1.reorderObject)(complianceItemsHeader, complianceItemsHeaderKeys);
+        const complianceItemsHeaderAsArrayWithStyles = Object.values(complianceItemsHeaderAsArray).reduce((acc, v) => [...acc, {
+                v,
+                t: 's',
+            }], []);
+        const complianceBorrower = complianceBorrowersMap.get(borrowerId);
+        const fullComplianceBorrower = await this.complianceBorrowersService.getFullComplianceBorrowerById(complianceBorrower._id.toString());
+        const dueItems = [];
+        const acceptedItems = [];
+        const previousMonthStart = (0, dayjs_1.default)(start).utcOffset(0).subtract(1, 'months').startOf('month');
+        if (fullComplianceBorrower) {
+            fullComplianceBorrower.items.forEach((item) => {
+                item.instances.forEach((instance) => {
+                    const row = {
+                        name: `${item.item?.name} (${(0, dayjs_1.default)(instance.nextDate).format('MMM.D, YYYY')})`,
+                        dueDate: instance.nextDate ? (0, dayjs_1.default)(instance.nextDate).format('YYYY/MM/DD') : '-',
+                        progress: instance.progress?.text ?? '-',
+                        submittedDate: instance.submittedDate ? (0, dayjs_1.default)(instance.submittedDate).format('YYYY/MM/DD') : '-',
+                        status: instance.status,
+                    };
+                    if (instance.status === ComplianceItem_model_1.EComplianceItemStatus.ACCEPTED) {
+                        if (previousMonthStart.isBefore((0, dayjs_1.default)(instance.submittedDate))) {
+                            acceptedItems.push(row);
+                        }
+                    }
+                    else {
+                        dueItems.push(row);
+                    }
+                });
+            });
+        }
+        const dueItemsDataAsArrays = dueItems.map((row) => (0, common_helper_1.reorderObject)(row, complianceItemsHeaderKeys));
+        const dueItemsDataAsArraysWithStyles = Object.values([...dueItemsDataAsArrays]).map((dataRow) => {
+            return Object.values(dataRow).map((v) => ({ v, t: 's' }));
+        });
+        const acceptedItemsDataAsArrays = acceptedItems.map((row) => (0, common_helper_1.reorderObject)(row, complianceItemsHeaderKeys));
+        const acceptedItemsDataAsArraysWithStyles = Object.values([...acceptedItemsDataAsArrays]).map((dataRow) => {
+            return Object.values(dataRow).map((v) => ({ v, t: 's' }));
+        });
+        return [
+            borrowerTitle,
+            borrowerSubTitle,
+            [{ v: 'ALL VALUES $\'000' }],
+            emptyRow,
+            getSegment(`REVOLVER LOAN BALANCE & COLLATERAL - AS AT ${(0, dayjs_1.default)(lastBBC.bbcDate).utcOffset(0).format(dateFormat)} (LAST SIGNED BBC)`),
+            headerWithStyles,
+            ...inventoryDataWithStyles,
+            emptyRow,
+            ...receivableDataWithStyles,
+            emptyRow,
+            ...reserveDataWithStyles,
+            emptyRow,
+            ...loanBalanceTotalDataAsArraysWithStyles,
+            ...termLoanData,
+            getSegment('LOAN ECONOMICS'),
+            ...loanEconomicsData,
+            emptyRow,
+            getSegment('FINANCIALS'),
+            emptyRow,
+            ...financialData,
+            emptyRow,
+            getSegment('HEADROOM'),
+            emptyRow,
+            ...headRoomData,
+            emptyRow,
+            getSegment('TOP 5'),
+            emptyRow,
+            ...top5Data,
+            emptyRow,
+            getSegment('COMPLIANCE REPORT'),
+            complianceItemsHeaderAsArrayWithStyles,
+            emptyRow,
+            ...dueItemsDataAsArraysWithStyles,
+            emptyRow,
+            ...acceptedItemsDataAsArraysWithStyles,
+        ];
+    }
+    ;
+    async getPaidAmount(productId) {
+        const loanCharges = await this.loanChargesService.getLoanChargeForProduct(productId);
+        const yieldLoanCharges = loanCharges.filter((charge) => charge.includeInYield);
+        const totals = await LoanStatementTransaction_model_1.LoanStatementTransactionModel.aggregate([
+            {
+                '$match': {
+                    'chargeId': {
+                        '$in': yieldLoanCharges.map((charge) => charge._id),
+                    },
+                },
+            }, {
+                '$group': {
+                    '_id': null,
+                    'totalAmountPaid': {
+                        '$sum': '$amountPaid',
+                    },
+                },
+            }, {
+                '$project': {
+                    '_id': 0,
+                    'totalAmountPaid': {
+                        '$round': [
+                            '$totalAmountPaid', 2,
+                        ],
+                    },
+                },
+            },
+        ]);
+        if (totals.length > 0) {
+            return totals[0].totalAmountPaid;
+        }
+        return 0;
+    }
+    ;
+    async getNewSummaryData(borrowerIds, start, end) {
+        const allBorrowers = await Borrower_model_1.BorrowerModel.find().lean();
+        allBorrowers.forEach((borrower) => borrowersMap.set(borrower._id.toString(), borrower));
+        const allProducts = await LoanProducts_model_1.LoanProduct.find().lean();
+        allProducts.forEach((product) => productsMap.set(product._id.toString(), product));
+        const allCharges = await LoanCharges_model_1.LoanCharge.find().lean();
+        allCharges.forEach((charge) => chargesMap.set(charge._id.toString(), charge));
+        const allComplianceBorrowers = await BorrowerCompliance_model_1.BorrowerCompliance.find().lean();
+        allComplianceBorrowers.forEach((borrower) => complianceBorrowersMap.set(borrower.borrower.toString(), borrower));
+        const mainData = await this.getMainData(borrowerIds, start, end);
+        const borrowersSummary = await this.getAllBorrowersSummary(borrowerIds, start, end);
+        return { ...mainData, ...borrowersSummary };
+    }
+    ;
+}
+exports.NewSummaryExcel = NewSummaryExcel;