// Shared tokens, data, and primitives used across all 4 Delt variations. // Each variation imports what it needs from window.DeltShared. const DELT = { // Palette — warm-neutral paper + indigo/violet accent. No navy navbar. colors: { ink: '#0F0E17', inkSoft: '#2B2A35', inkMute: '#6A6876', line: '#E7E3DA', lineSoft: '#EFECE4', paper: '#F7F5F0', paperWarm: '#FAF8F3', card: '#FFFFFF', indigo: '#4945FF', indigoDeep: '#3730A3', violet: '#4945FF', ok: '#0F7A5A', warn: '#B8531A', }, font: { // Brand §4.1 — Codec Pro primary display; Manrope free stand-in until // licensed Codec Pro .woff2 files are dropped at /fonts/. display: '"Codec Pro", "Manrope", "Inter Tight", "Söhne", ui-sans-serif, system-ui, sans-serif', // Brand §4.2 — Inter secondary body. body: '"Inter", ui-sans-serif, system-ui, sans-serif', mono: '"JetBrains Mono", ui-monospace, Menlo, monospace', }, radius: { sm: 4, md: 6, lg: 10, xl: 14 }, }; // ---------------- Canonical content for Delt ---------------- const DeltContent = { tagline: 'Capital for operators who don\'t overpay.', stats: [ { v: '$200M+', l: 'Deployed since 2019' }, { v: '2,850+', l: 'Businesses funded' }, { v: '24h', l: 'Median time to funds' }, { v: '1.18x', l: 'Median factor rate' }, ], compare: [ { k: 'Speed to funds', delt: '24 hours', bank: '2–6 weeks' }, { k: 'Factor rate (median)', delt: '1.18×', bank: '1.35–1.49×' }, { k: 'Paperwork', delt: 'Plaid connection', bank: '3 months statements, tax returns' }, { k: 'Credit pull', delt: 'Soft inquiry', bank: 'Hard pull' }, { k: 'Collateral', delt: 'None', bank: 'Personal guarantee + UCC' }, { k: 'Prepayment penalty', delt: 'None — early pays save', bank: 'Full factor owed' }, ], steps: [ { n: '01', t: 'Get Funded', d: 'Three questions. Soft-pull only. Range in 60 seconds.', time: '1 min' }, { n: '02', t: 'Connect bank', d: 'Plaid read-only. No statements, no tax returns.', time: '2 min' }, { n: '03', t: 'Offer', d: 'A single factor rate, flat fee schedule, no compounding.', time: 'Same day' }, { n: '04', t: 'Fund', d: 'Wire or ACH to your operating account. You pick.', time: '24 h' }, ], uses: [ 'Inventory buy-ins', 'Equipment', 'Hiring', 'Bridge A/R', 'New location', 'Marketing push', 'Renovation', 'Emergency repairs', 'Supplier deposits', 'Seasonal ramp', ], testimonials: [ { q: 'Closed in 19 hours. The bank still hasn\'t returned my call.', n: 'Maria Rodriguez', b: 'La Rosa Restaurant', f: '$110K', r: '1.16×' }, { q: 'Third draw with Delt. Every rate has been lower than the last.', n: 'Mike Rosario', b: 'Rosario Construction', f: '$180K', r: '1.14×' }, { q: 'Factor rate on the first email. No games, no callbacks, no "advisor".', n: 'Sarah Thompson', b: 'Bloom Beauty', f: '$65K', r: '1.19×' }, { q: 'Paid early and they actually rebated the unearned factor. Unheard of.', n: 'Marcus Williams', b: 'Williams Logistics', f: '$80K', r: '1.17×' }, { q: 'I forwarded the offer to my CFO — she said "take it, I can\'t beat that."', n: 'Emily Ward', b: 'Ward Market', f: '$50K', r: '1.18×' }, { q: 'Underwriter called me by name and knew my book. Not a call center.', n: 'David Roberts', b: 'Roberts Auto', f: '$95K', r: '1.15×' }, ], faq: [ { q: 'What\'s a factor rate, really?', a: 'One multiplier. $100K at 1.18× = $118K repaid, total. No compounding, no APR gymnastics. Pay early, pay less — we rebate unearned factor.' }, { q: 'How is repayment structured?', a: 'A fixed daily or weekly debit sized to your revenue. Typically 4–10 months. You see the schedule in your offer before you sign anything.' }, { q: 'Will this hurt my credit?', a: 'No. Get Funded is a soft pull. A hard pull only happens if you counter-sign an offer — and only on the guarantor, not the business.' }, { q: 'Do I need collateral?', a: 'No UCC-1 filing, no personal guarantee beyond a standard assurance. We underwrite revenue, not assets.' }, { q: 'What if revenue drops mid-term?', a: 'Call us. We\'ve restructured ~12% of active books without penalty. Talk to us before you miss a debit.' }, { q: 'Does my rate get better on a second draw?', a: 'Yes. Repeat borrowers in good standing typically see 4–8 basis points off the factor on each renewal. 68% of our book funds with us more than once — the math is in the file.' }, ], }; // ---------------- Calculator logic ---------------- function calcEstimate({ revenue, tib, cards, cardSales }) { // Returns { low, high, factor, ok } if (!revenue || revenue <= 0 || !tib) return { low: 0, high: 0, factor: 1.18, ok: false }; const mult = { '<6mo': [0.0, 0.0], '6-12mo': [0.50, 0.56], '1-2yr': [0.56, 0.62], '2yr+': [0.60, 0.67] }[tib] || [0, 0]; if (tib === '<6mo') return { low: 0, high: 0, factor: 1.18, ok: false, early: true }; let low = revenue * mult[0]; let high = revenue * mult[1]; if (cards && cardSales > 0) { low *= 1.08; high *= 1.12; } // Factor: larger advances → lower factor; longer TIB → lower factor let factor = 1.22; if (tib === '2yr+') factor -= 0.04; else if (tib === '1-2yr') factor -= 0.02; if (high > 100000) factor -= 0.02; if (high > 250000) factor -= 0.02; factor = Math.max(1.12, factor); low = Math.round(low / 1000) * 1000; high = Math.round(high / 1000) * 1000; low = Math.max(5000, Math.min(low, 500000)); high = Math.max(low + 2000, Math.min(high, 500000)); return { low, high, factor, ok: true }; } function fmt(n) { if (n >= 1000000) return `$${(n / 1000000).toFixed(1)}M`; if (n >= 1000) return `$${Math.round(n / 1000).toLocaleString()}K`; return `$${n.toLocaleString()}`; } // ---------------- Mini atoms ---------------- function Divider({ color = DELT.colors.line, style = {} }) { return
; } function Pill({ children, tone = 'ink', style = {} }) { const bg = tone === 'indigo' ? 'rgba(73,69,255,0.08)' : tone === 'ok' ? 'rgba(15,122,90,0.10)' : 'rgba(15,14,23,0.05)'; const fg = tone === 'indigo' ? DELT.colors.indigo : tone === 'ok' ? DELT.colors.ok : DELT.colors.inkSoft; return ( {children} ); } // A thin hairline button matching Stripe's restraint. function Btn({ children, variant = 'primary', size = 'md', onClick, style = {}, ...rest }) { const sz = size === 'sm' ? { padding: '7px 12px', fontSize: 13 } : size === 'lg' ? { padding: '13px 22px', fontSize: 15 } : { padding: '10px 16px', fontSize: 14 }; const variants = { primary: { background: DELT.colors.ink, color: '#fff', border: `1px solid ${DELT.colors.ink}` }, indigo: { background: DELT.colors.indigo, color: '#fff', border: `1px solid ${DELT.colors.indigo}` }, ghost: { background: 'transparent', color: DELT.colors.ink, border: `1px solid ${DELT.colors.line}` }, link: { background: 'transparent', color: DELT.colors.indigo, border: '1px solid transparent', padding: 0 }, }; return ( ); } // Stripe-ish hairline tick const Tick = ({ c = DELT.colors.ok }) => ( ); const Ex = ({ c = DELT.colors.inkMute }) => ( ); const Arr = ({ c = 'currentColor' }) => ( ); // ---------------- Exports ---------------- Object.assign(window, { DELT, DeltContent, calcEstimate, fmt, Divider, Pill, Btn, Tick, Ex, Arr, });