"""
TreasuryOS — Web Dashboard
Financial intelligence for commercial banking and business owners.
Run: streamlit run app.py
"""
import streamlit as st
import pandas as pd
import os
import sys
import tempfile
from pathlib import Path
from datetime import datetime
_DIR = Path(__file__).resolve().parent
if str(_DIR) not in sys.path:
sys.path.insert(0, str(_DIR))
from tools.aggregator import get_cash_position
from tools.idle_cash import scan_idle_balances
from tools.forecaster import forecast_cash_position
from tools.working_capital import analyze_working_capital
from tools.payment_optimizer import optimize_payment_timing
from tools.fx_scanner import scan_fx_exposure
from tools.covenant_monitor import monitor_debt_covenants
from tools.credit_parser import parse_credit_report
from tools.credit_assessor import assess_credit_position
# ─── Config ─────────────────────────────────────────────────
st.set_page_config(page_title="TreasuryOS", page_icon="T", layout="wide", initial_sidebar_state="expanded")
# ─── Design System ──────────────────────────────────────────
NAVY = "#0B1426"
DARK_NAVY = "#060E1A"
CARD_BG = "#111D32"
CARD_BORDER = "#1E3050"
ACCENT = "#3B82F6"
ACCENT_LIGHT = "#60A5FA"
TEXT_PRIMARY = "#F1F5F9"
TEXT_SECONDARY = "#94A3B8"
TEXT_MUTED = "#64748B"
GREEN = "#10B981"
YELLOW = "#F59E0B"
RED = "#EF4444"
SURFACE = "#0F1A2E"
st.markdown(f"""
<style>
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&display=swap');
/* ── Global ── */
.stApp {{ background: {NAVY}; font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif; }}
.main .block-container {{ padding: 1.5rem 2rem 2rem; max-width: 1400px; }}
#MainMenu, footer {{ visibility: hidden; }}
/* ── Sidebar ── */
section[data-testid="stSidebar"] {{
background: {DARK_NAVY};
border-right: 1px solid {CARD_BORDER};
}}
section[data-testid="stSidebar"] .stMarkdown p,
section[data-testid="stSidebar"] .stMarkdown li {{ color: {TEXT_SECONDARY}; font-size: 0.875rem; }}
section[data-testid="stSidebar"] h1 {{ color: {TEXT_PRIMARY}; font-size: 1.25rem; font-weight: 600; letter-spacing: -0.01em; }}
section[data-testid="stSidebar"] h3 {{ color: {TEXT_MUTED}; font-size: 0.7rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }}
section[data-testid="stSidebar"] hr {{ border-color: {CARD_BORDER}; margin: 0.75rem 0; }}
/* ── Typography ── */
h1 {{ color: {TEXT_PRIMARY} !important; font-weight: 700 !important; font-size: 1.75rem !important; letter-spacing: -0.02em !important; margin-bottom: 0.25rem !important; }}
h2 {{ color: {TEXT_PRIMARY} !important; font-weight: 600 !important; font-size: 1.25rem !important; letter-spacing: -0.01em !important; }}
h3 {{ color: {TEXT_SECONDARY} !important; font-weight: 500 !important; font-size: 1rem !important; }}
p, li {{ color: {TEXT_SECONDARY}; }}
.stCaption p {{ color: {TEXT_MUTED} !important; font-size: 0.8rem !important; }}
/* ── Metric Cards ── */
div[data-testid="stMetric"] {{
background: {CARD_BG};
border: 1px solid {CARD_BORDER};
border-radius: 10px;
padding: 1.25rem;
}}
div[data-testid="stMetric"] label {{ color: {TEXT_MUTED} !important; font-size: 0.75rem !important; font-weight: 500; text-transform: uppercase; letter-spacing: 0.05em; }}
div[data-testid="stMetric"] [data-testid="stMetricValue"] {{ color: {TEXT_PRIMARY} !important; font-size: 1.5rem !important; font-weight: 700; }}
div[data-testid="stMetric"] [data-testid="stMetricDelta"] {{ font-size: 0.8rem !important; }}
/* ── Data Tables ── */
.stDataFrame {{ border-radius: 10px; overflow: hidden; }}
.stDataFrame [data-testid="stDataFrameResizable"] {{ background: {CARD_BG}; border: 1px solid {CARD_BORDER}; border-radius: 10px; }}
/* ── Expanders ── */
.streamlit-expanderHeader {{
background: {CARD_BG} !important;
border: 1px solid {CARD_BORDER} !important;
border-radius: 8px !important;
color: {TEXT_PRIMARY} !important;
font-weight: 500 !important;
font-size: 0.9rem !important;
}}
.streamlit-expanderContent {{
background: {SURFACE} !important;
border: 1px solid {CARD_BORDER} !important;
border-top: none !important;
border-radius: 0 0 8px 8px !important;
}}
/* ── Buttons ── */
.stButton > button {{
background: {ACCENT} !important;
color: white !important;
border: none !important;
border-radius: 8px !important;
font-weight: 600 !important;
padding: 0.5rem 1.5rem !important;
transition: all 0.2s !important;
}}
.stButton > button:hover {{ background: {ACCENT_LIGHT} !important; }}
/* ── Inputs ── */
.stSlider label, .stNumberInput label, .stRadio label, .stFileUploader label {{ color: {TEXT_SECONDARY} !important; font-size: 0.85rem !important; }}
.stRadio [data-testid="stMarkdownContainer"] p {{ color: {TEXT_SECONDARY} !important; }}
/* ── Alerts ── */
.stAlert {{ border-radius: 8px; }}
/* ── Charts ── */
.stPlotlyChart, [data-testid="stArrowVegaLiteChart"] {{ background: {CARD_BG}; border-radius: 10px; padding: 0.5rem; border: 1px solid {CARD_BORDER}; }}
/* ── Custom Classes ── */
.page-header {{ margin-bottom: 1.5rem; }}
.section-divider {{ border: none; border-top: 1px solid {CARD_BORDER}; margin: 1.5rem 0; }}
.card {{ background: {CARD_BG}; border: 1px solid {CARD_BORDER}; border-radius: 10px; padding: 1.25rem; margin-bottom: 1rem; }}
.card-header {{ color: {TEXT_MUTED}; font-size: 0.7rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 0.75rem; }}
.card-value {{ color: {TEXT_PRIMARY}; font-size: 1.75rem; font-weight: 700; line-height: 1.2; }}
.card-subtitle {{ color: {TEXT_SECONDARY}; font-size: 0.8rem; margin-top: 0.25rem; }}
.dot-green {{ color: {GREEN}; }}
.dot-yellow {{ color: {YELLOW}; }}
.dot-red {{ color: {RED}; }}
.status-row {{ display: flex; align-items: center; gap: 0.5rem; padding: 0.625rem 0; border-bottom: 1px solid {CARD_BORDER}; }}
.status-row:last-child {{ border-bottom: none; }}
.status-dot {{ width: 8px; height: 8px; border-radius: 50%; display: inline-block; flex-shrink: 0; }}
.status-dot.green {{ background: {GREEN}; box-shadow: 0 0 6px {GREEN}40; }}
.status-dot.yellow {{ background: {YELLOW}; box-shadow: 0 0 6px {YELLOW}40; }}
.status-dot.red {{ background: {RED}; box-shadow: 0 0 6px {RED}40; }}
.status-label {{ color: {TEXT_PRIMARY}; font-size: 0.875rem; font-weight: 500; }}
.status-detail {{ color: {TEXT_MUTED}; font-size: 0.8rem; margin-left: auto; }}
.stat-grid {{ display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; }}
.stat-item {{ padding: 0.5rem 0; }}
.stat-label {{ color: {TEXT_MUTED}; font-size: 0.75rem; }}
.stat-value {{ color: {TEXT_PRIMARY}; font-size: 0.9rem; font-weight: 500; }}
.tag {{ display: inline-block; padding: 0.2rem 0.6rem; border-radius: 4px; font-size: 0.75rem; font-weight: 600; }}
.tag-green {{ background: {GREEN}20; color: {GREEN}; }}
.tag-yellow {{ background: {YELLOW}20; color: {YELLOW}; }}
.tag-red {{ background: {RED}20; color: {RED}; }}
.top-bar {{ display: flex; justify-content: space-between; align-items: center; margin-bottom: 1.5rem; }}
.top-bar-title {{ color: {TEXT_PRIMARY}; font-size: 1.75rem; font-weight: 700; letter-spacing: -0.02em; }}
.top-bar-sub {{ color: {TEXT_MUTED}; font-size: 0.85rem; }}
</style>
""", unsafe_allow_html=True)
# ─── Session State ──────────────────────────────────────────
if "data_dir" not in st.session_state:
st.session_state.data_dir = str(_DIR / "sample_data")
st.session_state.using_sample = True
if "uploaded_files" not in st.session_state:
st.session_state.uploaded_files = {}
# ─── Helpers ────────────────────────────────────────────────
def fmt(value, decimals=0):
if value is None: return "—"
if abs(value) >= 1_000_000: return f"${value/1_000_000:,.{decimals}f}M"
if abs(value) >= 1_000: return f"${value/1_000:,.{decimals}f}K"
return f"${value:,.{decimals}f}"
def dot_color(status):
s = status.lower()
if s in ("compliant","strong","healthy","excellent","good","positive","low_risk"): return "green"
if s in ("warning","watch","adequate","fair","moderate_risk","neutral","marginal"): return "yellow"
return "red"
def status_html(status, label=None, detail=None):
c = dot_color(status)
lbl = label or status.replace("_"," ").title()
d = f'<span class="status-detail">{detail}</span>' if detail else ""
return f'<div class="status-row"><span class="status-dot {c}"></span><span class="status-label">{lbl}</span>{d}</div>'
def tag_html(status, text=None):
c = dot_color(status)
t = text or status.replace("_"," ").title()
return f'<span class="tag tag-{c}">{t}</span>'
def metric_card(label, value, subtitle=""):
sub = f'<div class="card-subtitle">{subtitle}</div>' if subtitle else ""
return f'<div class="card"><div class="card-header">{label}</div><div class="card-value">{value}</div>{sub}</div>'
def run_safe(fn, *a, **kw):
try: return fn(*a, **kw), None
except FileNotFoundError as e: return None, f"Missing: {e}"
except Exception as e: return None, str(e)
def save_uploads(files):
d = tempfile.mkdtemp(prefix="treasuryos_")
for name, f in files.items():
with open(os.path.join(d, name), "wb") as out:
out.write(f.getbuffer())
return d
# ─── Sidebar ────────────────────────────────────────────────
with st.sidebar:
st.markdown("# T TreasuryOS")
st.markdown("---")
st.markdown("### Data Source")
src = st.radio("src", ["Demo Data", "Upload Files"], label_visibility="collapsed")
if src == "Upload Files":
st.session_state.using_sample = False
uploaded_accounts = st.file_uploader("accounts.csv", type="csv", key="accounts")
uploaded_transactions = st.file_uploader("transactions.csv", type="csv", key="transactions")
uploaded_vendors = st.file_uploader("vendors.csv", type="csv", key="vendors")
uploaded_covenants = st.file_uploader("covenants.csv", type="csv", key="covenants")
uploaded_fx = st.file_uploader("fx_rates.csv", type="csv", key="fx")
uploaded_pcredit = st.file_uploader("personal_credit.csv", type="csv", key="pcredit")
uploaded_bcredit = st.file_uploader("business_credit.csv", type="csv", key="bcredit")
fmap = {"accounts.csv": uploaded_accounts, "transactions.csv": uploaded_transactions,
"vendors.csv": uploaded_vendors, "covenants.csv": uploaded_covenants,
"fx_rates.csv": uploaded_fx, "personal_credit.csv": uploaded_pcredit,
"business_credit.csv": uploaded_bcredit}
uploaded = {k: v for k, v in fmap.items() if v}
if uploaded:
st.session_state.data_dir = save_uploads(uploaded)
st.session_state.uploaded_files = uploaded
else:
st.session_state.using_sample = True
st.session_state.data_dir = str(_DIR / "sample_data")
st.markdown("---")
st.markdown("### Navigation")
page = st.radio("nav", [
"Overview", "Cash Position", "Idle Cash", "Cash Forecast",
"Payments", "FX Exposure", "Covenants",
"Credit Report", "Credit Assessment", "Working Capital"
], label_visibility="collapsed")
st.markdown("---")
st.markdown(f'<p style="color:{TEXT_MUTED}; font-size:0.7rem; text-align:center;">TreasuryOS v0.1 · <a href="https://github.com/GPBK-STUY/treasury-mcp-os" style="color:{TEXT_MUTED};">GitHub</a></p>', unsafe_allow_html=True)
# ─── Main ───────────────────────────────────────────────────
DATA = st.session_state.data_dir
NOW = datetime.now().strftime("%b %d, %Y · %I:%M %p")
# ═══════════════════════════════════════════════════════════
# OVERVIEW
# ═══════════════════════════════════════════════════════════
if page == "Overview":
st.markdown(f"""<div class="top-bar">
<div><div class="top-bar-title">Financial Overview</div>
<div class="top-bar-sub">{"Demo: Apex Manufacturing Corp" if st.session_state.using_sample else "Your Data"} · {NOW}</div></div>
</div>""", unsafe_allow_html=True)
# Fetch all data
cash, cash_e = run_safe(get_cash_position, DATA)
idle, idle_e = run_safe(scan_idle_balances, DATA)
cov, cov_e = run_safe(monitor_debt_covenants, DATA)
credit, credit_e = run_safe(assess_credit_position, DATA)
# ── Top Metrics ──
c1, c2, c3, c4 = st.columns(4)
with c1:
val = fmt(cash["total_balance"]) if cash else "—"
sub = f'{len(cash["accounts"])} accounts' if cash else ""
st.markdown(metric_card("Total Cash", val, sub), unsafe_allow_html=True)
with c2:
val = fmt(idle["total_idle_cash"]) if idle else "—"
sub = f'{fmt(idle["total_annual_opportunity_cost"])}/yr lost' if idle else ""
st.markdown(metric_card("Idle Cash", val, sub), unsafe_allow_html=True)
with c3:
if cov:
color = dot_color(cov["overall_status"])
val = tag_html(cov["overall_status"])
sub = f'{cov.get("warnings",0)} warnings · {cov.get("breaches",0)} breaches'
else:
val, sub = "—", ""
st.markdown(metric_card("Covenants", val, sub), unsafe_allow_html=True)
with c4:
if credit:
val = tag_html(credit["overall_credit_rating"])
sub = f'Capacity: {credit.get("lending_capacity_estimate","—")}'
else:
val, sub = "—", ""
st.markdown(metric_card("Credit Rating", val, sub), unsafe_allow_html=True)
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
# ── Two Column Detail ──
left, right = st.columns(2)
with left:
st.markdown("### Cash by Account Type")
if cash and cash.get("by_account_type"):
df = pd.DataFrame([{"Type": k.replace("_"," ").title(), "Balance": v}
for k, v in cash["by_account_type"].items()])
st.bar_chart(df.set_index("Type"), color=ACCENT)
st.markdown("### Payment Opportunities")
pay, _ = run_safe(optimize_payment_timing, DATA)
if pay and pay.get("recommendations"):
html = ""
for r in pay["recommendations"][:4]:
if r["recommendation"] == "pay_early":
html += status_html("strong", r["vendor_name"],
f'Save {fmt(r["discount_amount"])} ({r["annualized_return_pct"]:.0f}% ann.)')
if html:
st.markdown(f'<div class="card">{html}</div>', unsafe_allow_html=True)
else:
st.caption("No early-pay opportunities right now.")
else:
st.caption("No vendor data loaded.")
with right:
st.markdown("### Covenant Health")
if cov and cov.get("covenants"):
html = ""
for c in cov["covenants"]:
html += status_html(c["status"], c["covenant_name"], f'{c["headroom_pct"]:.1f}% headroom')
st.markdown(f'<div class="card">{html}</div>', unsafe_allow_html=True)
else:
st.caption("No covenant data loaded.")
st.markdown("### Credit Snapshot")
if credit and credit.get("risk_factors"):
html = ""
for rf in credit["risk_factors"][:6]:
html += status_html(rf["severity"], rf["finding"][:60])
st.markdown(f'<div class="card">{html}</div>', unsafe_allow_html=True)
else:
st.caption("No credit data loaded.")
# ═══════════════════════════════════════════════════════════
# CASH POSITION
# ═══════════════════════════════════════════════════════════
elif page == "Cash Position":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Cash Position</div><div class="top-bar-sub">Balances across all accounts · {NOW}</div></div></div>', unsafe_allow_html=True)
data, err = run_safe(get_cash_position, DATA)
if err:
st.error(err)
elif data:
c1, c2, c3 = st.columns(3)
c1.metric("Total Cash", fmt(data["total_balance"]))
c2.metric("Accounts", len(data["accounts"]))
currencies = list(data.get("by_currency", {}).keys())
c3.metric("Currencies", ", ".join(currencies) if currencies else "USD")
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
if data.get("by_currency") and len(data["by_currency"]) > 1:
st.markdown("### By Currency")
df = pd.DataFrame([{"Currency": k, "Balance": v} for k, v in data["by_currency"].items()])
st.dataframe(df, use_container_width=True, hide_index=True)
st.markdown("### All Accounts")
if data.get("accounts"):
df = pd.DataFrame(data["accounts"])
cols = [c for c in ["bank_name","account_type","currency","balance","yield_rate_bps"] if c in df.columns]
df = df[cols].copy()
if "balance" in df.columns:
df["balance"] = df["balance"].apply(lambda x: f"${x:,.2f}")
if "yield_rate_bps" in df.columns:
df["yield_rate_bps"] = df["yield_rate_bps"].apply(lambda x: f"{x/100:.2f}%")
df = df.rename(columns={"yield_rate_bps": "yield"})
df.columns = [c.replace("_"," ").title() for c in df.columns]
st.dataframe(df, use_container_width=True, hide_index=True)
# ═══════════════════════════════════════════════════════════
# IDLE CASH
# ═══════════════════════════════════════════════════════════
elif page == "Idle Cash":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Idle Cash Scanner</div><div class="top-bar-sub">Money sitting in low-yield accounts · {NOW}</div></div></div>', unsafe_allow_html=True)
c1, c2 = st.columns(2)
reserve = c1.slider("Operating Reserve %", 5, 50, 20, 5) / 100
target = c2.slider("Target Yield (bps)", 100, 600, 450, 50)
data, err = run_safe(scan_idle_balances, DATA, reserve, target)
if err:
st.error(err)
elif data:
c1, c2 = st.columns(2)
c1.metric("Idle Cash", fmt(data["total_idle_cash"]))
c2.metric("Annual Opportunity Cost", fmt(data["total_annual_opportunity_cost"]))
if data.get("opportunities"):
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
for opp in data["opportunities"]:
with st.expander(f'{opp["bank_name"]} — {fmt(opp["idle_amount"])} idle'):
c1, c2, c3 = st.columns(3)
c1.metric("Current Balance", fmt(opp["current_balance"]))
c2.metric("Idle Amount", fmt(opp["idle_amount"]))
c3.metric("Cost/Year", fmt(opp["annual_opportunity_cost"]))
st.markdown(f'**Current Yield:** {opp["current_yield_bps"]/100:.2f}% → **Target:** {opp["recommended_yield_bps"]/100:.2f}%')
st.markdown(f'**Action:** {opp["recommended_action"]}')
# ═══════════════════════════════════════════════════════════
# CASH FORECAST
# ═══════════════════════════════════════════════════════════
elif page == "Cash Forecast":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Cash Forecast</div><div class="top-bar-sub">Projected cash position · {NOW}</div></div></div>', unsafe_allow_html=True)
horizon = st.slider("Forecast Horizon (days)", 30, 365, 90, 30)
data, err = run_safe(forecast_cash_position, DATA, horizon)
if err:
st.error(err)
elif data and data.get("projections"):
df = pd.DataFrame(data["projections"])
if "ending_balance" in df.columns and "period" in df.columns:
chart_df = df.set_index("period")[["ending_balance"]]
chart_df.columns = ["Projected Balance"]
st.line_chart(chart_df, color=ACCENT)
if data.get("deficit_periods"):
st.warning(f'Potential shortfalls in: {", ".join(data["deficit_periods"])}')
if data.get("recommendation"):
st.info(data["recommendation"])
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
st.markdown("### Weekly Detail")
display = df.copy()
for col in ["starting_balance","expected_inflows","expected_outflows","net_flow","ending_balance"]:
if col in display.columns:
display[col] = display[col].apply(lambda x: f"${x:,.0f}")
display.columns = [c.replace("_"," ").title() for c in display.columns]
st.dataframe(display, use_container_width=True, hide_index=True)
# ═══════════════════════════════════════════════════════════
# PAYMENTS
# ═══════════════════════════════════════════════════════════
elif page == "Payments":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Payment Optimizer</div><div class="top-bar-sub">Early-pay discount analysis · {NOW}</div></div></div>', unsafe_allow_html=True)
budget = st.number_input("Available cash for early payments ($)", min_value=0, value=0, step=10000)
data, err = run_safe(optimize_payment_timing, DATA, float(budget))
if err:
st.error(err)
elif data:
c1, c2, c3 = st.columns(3)
c1.metric("Discounts Available", fmt(data.get("total_discount_available", 0)))
c2.metric("Annualized Savings", fmt(data.get("total_annualized_savings", 0)))
c3.metric("Cash Required", fmt(data.get("cash_required_for_early_payments", 0)))
if data.get("recommendations"):
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
for r in data["recommendations"]:
action_tag = tag_html("strong", "Pay Early") if r["recommendation"] == "pay_early" else tag_html("watch", "Hold")
with st.expander(f'{r["vendor_name"]} — {r["discount_terms"]} ({r["annualized_return_pct"]:.0f}% ann.)'):
c1, c2, c3 = st.columns(3)
c1.metric("Invoice", fmt(r["invoice_amount"]))
c2.metric("Discount", fmt(r["discount_amount"]))
c3.metric("Return", f'{r["annualized_return_pct"]:.1f}%')
st.markdown(f'{action_tag} Due: {r["due_date"]}', unsafe_allow_html=True)
st.markdown(f'*{r["reasoning"]}*')
# ═══════════════════════════════════════════════════════════
# FX EXPOSURE
# ═══════════════════════════════════════════════════════════
elif page == "FX Exposure":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">FX Exposure</div><div class="top-bar-sub">Unhedged currency risk · {NOW}</div></div></div>', unsafe_allow_html=True)
data, err = run_safe(scan_fx_exposure, DATA)
if err:
st.error(err)
elif data:
c1, c2, c3 = st.columns(3)
c1.metric("Unhedged (USD)", fmt(data.get("total_unhedged_usd", 0)))
c2.metric("Value at Risk", fmt(data.get("total_var_usd", 0)))
c3.metric("Largest Exposure", data.get("largest_single_exposure_currency", "—"))
if data.get("exposures"):
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
df = pd.DataFrame(data["exposures"])
for col in ["notional_amount","usd_equivalent","estimated_var_usd"]:
if col in df.columns:
df[col] = df[col].apply(lambda x: f"${x:,.2f}")
df.columns = [c.replace("_"," ").title() for c in df.columns]
st.dataframe(df, use_container_width=True, hide_index=True)
if data.get("recommendation"):
st.info(data["recommendation"])
# ═══════════════════════════════════════════════════════════
# COVENANTS
# ═══════════════════════════════════════════════════════════
elif page == "Covenants":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Debt Covenants</div><div class="top-bar-sub">Compliance monitoring · {NOW}</div></div></div>', unsafe_allow_html=True)
data, err = run_safe(monitor_debt_covenants, DATA)
if err:
st.error(err)
elif data:
overall_tag = tag_html(data.get("overall_status", "unknown"))
st.markdown(f'Overall: {overall_tag}', unsafe_allow_html=True)
c1, c2 = st.columns(2)
c1.metric("Warnings", data.get("warnings", 0))
c2.metric("Breaches", data.get("breaches", 0))
if data.get("covenants"):
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
for cov in data["covenants"]:
c = dot_color(cov["status"])
with st.expander(f'{cov["covenant_name"]} — {cov["headroom_pct"]:.1f}% headroom'):
c1, c2, c3 = st.columns(3)
c1.metric("Required", cov["required_threshold"])
c2.metric("Current", cov["current_value"])
c3.metric("Headroom", f'{cov["headroom_pct"]:.1f}%')
st.markdown(f'Status: {tag_html(cov["status"])} Type: {cov["covenant_type"]}', unsafe_allow_html=True)
if cov.get("next_test_date"):
st.caption(f'Next test: {cov["next_test_date"]}')
if data.get("recommendation"):
st.info(data["recommendation"])
# ═══════════════════════════════════════════════════════════
# CREDIT REPORT
# ═══════════════════════════════════════════════════════════
elif page == "Credit Report":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Credit Report</div><div class="top-bar-sub">What lenders see · {NOW}</div></div></div>', unsafe_allow_html=True)
data, err = run_safe(parse_credit_report, DATA)
if err:
st.error(err)
elif data:
if data.get("personal_profiles"):
st.markdown("### Personal Credit")
for p in data["personal_profiles"]:
tier_tag = tag_html(p.get("score_tier","unknown"))
with st.expander(f'{p["borrower_name"]} — FICO {p["credit_score"]}'):
c1, c2, c3, c4 = st.columns(4)
c1.metric("Score", p["credit_score"])
c2.metric("Utilization", f'{p.get("revolving_utilization_pct",0):.1f}%')
c3.metric("Payment History", f'{p.get("payment_history_pct",0):.1f}%')
c4.metric("Derogatory", p.get("derogatory_marks",0))
st.markdown(f'Tier: {tier_tag}', unsafe_allow_html=True)
st.markdown(f"""<div class="stat-grid">
<div class="stat-item"><div class="stat-label">Open Tradelines</div><div class="stat-value">{p.get("open_tradelines","—")}</div></div>
<div class="stat-item"><div class="stat-label">Late 30d / 60d / 90d</div><div class="stat-value">{p.get("late_payments_30d",0)} / {p.get("late_payments_60d",0)} / {p.get("late_payments_90d",0)}</div></div>
<div class="stat-item"><div class="stat-label">Revolving Balance</div><div class="stat-value">{fmt(p.get("total_revolving_balance",0))}</div></div>
<div class="stat-item"><div class="stat-label">Collections</div><div class="stat-value">{p.get("collections",0)}</div></div>
<div class="stat-item"><div class="stat-label">Revolving Limit</div><div class="stat-value">{fmt(p.get("total_revolving_limit",0))}</div></div>
<div class="stat-item"><div class="stat-label">Bankruptcies</div><div class="stat-value">{p.get("bankruptcies",0)}</div></div>
<div class="stat-item"><div class="stat-label">Oldest Account</div><div class="stat-value">{p.get("oldest_account_years","—")} yrs</div></div>
<div class="stat-item"><div class="stat-label">Recent Inquiries</div><div class="stat-value">{p.get("recent_inquiries_6mo",0)}</div></div>
</div>""", unsafe_allow_html=True)
if data.get("business_profile"):
bp = data["business_profile"]
st.markdown("### Business Credit")
c1, c2, c3, c4 = st.columns(4)
c1.metric("Paydex", bp.get("paydex_score","—"))
c2.metric("Years in Business", bp.get("years_in_business","—"))
c3.metric("Current %", f'{bp.get("current_pct",0):.0f}%')
c4.metric("Payment Trend", (bp.get("payment_trend","—") or "—").title())
st.markdown(f"""<div class="card"><div class="stat-grid">
<div class="stat-item"><div class="stat-label">Business</div><div class="stat-value">{bp.get("business_name","—")}</div></div>
<div class="stat-item"><div class="stat-label">D&B Rating</div><div class="stat-value">{bp.get("d_and_b_rating","—")}</div></div>
<div class="stat-item"><div class="stat-label">Industry</div><div class="stat-value">{bp.get("industry","—")}</div></div>
<div class="stat-item"><div class="stat-label">Avg Days Beyond</div><div class="stat-value">{bp.get("days_beyond_terms_avg","—")}</div></div>
<div class="stat-item"><div class="stat-label">Trade Experiences</div><div class="stat-value">{bp.get("total_trade_experiences","—")}</div></div>
<div class="stat-item"><div class="stat-label">Liens / Judgments</div><div class="stat-value">{bp.get("liens",0)} / {bp.get("judgments",0)}</div></div>
<div class="stat-item"><div class="stat-label">Derogatory</div><div class="stat-value">{bp.get("derogatory_count",0)}</div></div>
<div class="stat-item"><div class="stat-label">UCC Filings</div><div class="stat-value">{bp.get("ucc_filings",0)}</div></div>
</div></div>""", unsafe_allow_html=True)
# ═══════════════════════════════════════════════════════════
# CREDIT ASSESSMENT
# ═══════════════════════════════════════════════════════════
elif page == "Credit Assessment":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Credit Assessment</div><div class="top-bar-sub">Full underwriting picture · {NOW}</div></div></div>', unsafe_allow_html=True)
income = st.number_input("Combined annual gross income ($)", min_value=0, value=0, step=25000,
help="For DTI calculation. Leave at 0 to skip.")
data, err = run_safe(assess_credit_position, DATA, float(income))
if err:
st.error(err)
elif data:
rating_tag = tag_html(data.get("overall_credit_rating","unknown"))
st.markdown(f'### Overall: {rating_tag}', unsafe_allow_html=True)
c1, c2, c3, c4 = st.columns(4)
c1.metric("Avg FICO", f'{data.get("personal_score_avg",0):.0f}')
c2.metric("Lowest FICO", f'{data.get("personal_score_lowest",0):.0f}')
c3.metric("Business Paydex", data.get("business_paydex") or "—")
guaranty = (data.get("personal_guaranty_strength","—") or "—").replace("_"," ").title()
c4.metric("Guaranty", guaranty)
if data.get("combined_debt_to_income") and data["combined_debt_to_income"] > 0:
st.metric("DTI Ratio", f'{data["combined_debt_to_income"]:.1f}%')
capacity = data.get("lending_capacity_estimate","—")
st.markdown(f'<div class="card"><div class="card-header">Lending Capacity</div><div class="card-value">{capacity}</div></div>', unsafe_allow_html=True)
if data.get("risk_factors"):
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
st.markdown("### Risk Factors")
for rf in data["risk_factors"]:
sev_tag = tag_html(rf["severity"])
with st.expander(f'{rf["category"].replace("_"," ").title()} — {rf["finding"][:70]}'):
st.markdown(f'Severity: {sev_tag}', unsafe_allow_html=True)
st.markdown(f'**Impact:** {rf["impact"]}')
st.markdown(f'**Action:** {rf["recommendation"]}')
if data.get("cross_sell_opportunities"):
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
st.markdown("### Opportunities")
html = ""
for opp in data["cross_sell_opportunities"]:
html += f'<div class="status-row"><span class="status-dot green"></span><span class="status-label">{opp}</span></div>'
st.markdown(f'<div class="card">{html}</div>', unsafe_allow_html=True)
if data.get("recommendation"):
st.info(data["recommendation"])
# ═══════════════════════════════════════════════════════════
# WORKING CAPITAL
# ═══════════════════════════════════════════════════════════
elif page == "Working Capital":
st.markdown(f'<div class="top-bar"><div><div class="top-bar-title">Working Capital</div><div class="top-bar-sub">Liquidity and efficiency analysis · {NOW}</div></div></div>', unsafe_allow_html=True)
c1, c2 = st.columns(2)
with c1:
current_assets = st.number_input("Current Assets ($)", min_value=0, value=5_000_000, step=100_000)
accounts_receivable = st.number_input("Accounts Receivable ($)", min_value=0, value=2_000_000, step=100_000)
annual_revenue = st.number_input("Annual Revenue ($)", min_value=0, value=25_000_000, step=1_000_000)
with c2:
current_liabilities = st.number_input("Current Liabilities ($)", min_value=0, value=3_000_000, step=100_000)
accounts_payable = st.number_input("Accounts Payable ($)", min_value=0, value=1_500_000, step=100_000)
annual_cogs = st.number_input("Annual COGS ($)", min_value=0, value=18_000_000, step=1_000_000)
if st.button("Analyze", type="primary"):
data, err = run_safe(analyze_working_capital,
float(current_assets), float(current_liabilities),
float(annual_revenue), float(accounts_receivable),
float(accounts_payable), float(annual_cogs))
if err:
st.error(err)
elif data:
assessment_tag = tag_html(data.get("assessment","—"))
st.markdown(f'Assessment: {assessment_tag}', unsafe_allow_html=True)
st.markdown('<hr class="section-divider">', unsafe_allow_html=True)
c1, c2, c3 = st.columns(3)
c1.metric("Net Working Capital", fmt(data.get("net_working_capital",0)))
c2.metric("Current Ratio", f'{data.get("current_ratio",0):.2f}x')
c3.metric("Runway", f'{data.get("runway_days",0):.0f} days')
c4, c5, c6 = st.columns(3)
c4.metric("DSO", f'{data.get("days_sales_outstanding",0):.0f} days')
c5.metric("DPO", f'{data.get("days_payable_outstanding",0):.0f} days')
c6.metric("Cash Conversion", f'{data.get("cash_conversion_cycle_days",0):.0f} days')
if data.get("runway_days", 999) < 90:
st.warning(f'Runway is only {data["runway_days"]:.0f} days. Consider accelerating collections.')
