app

app.py

@@ -3,24 +3,53 @@ from transformers import pipeline
 import re
 
 # Load text classification pipeline
-classifier = pipeline("text-classification", model="distilbert-base-uncased-finetuned-sst-2-english")
+classifier = pipeline(
+    "text-classification", 
+    model="distilbert-base-uncased-finetuned-sst-2-english"
+)
 
-def process_application(company, monthly_revenue, monthly_expenses, requested_advance):
-    # Create application text
+def process_application(company, monthly_revenue, monthly_expenses, requested_advance, additional_text):
+    # Calculate net income
+    net_income = monthly_revenue - monthly_expenses
+    
+    # Define reasonable request rule for MCA
+    # Reasonable if advance <= 50% of net income and <= 80% of revenue
+    is_reasonable = (
+        (requested_advance <= (net_income * 0.5) if net_income > 0 else False) 
+        and (requested_advance <= (monthly_revenue * 0.8))
+    )
+    
+    reasonable_text = (
+        "\nNote: This request is considered reasonable for MCA based on net income and revenue guidelines." 
+        if is_reasonable 
+        else "\nNote: This request exceeds MCA reasonableness guidelines (advance > 50% of net income or > 80% of revenue)."
+    )
+    
+    # Create application text with qualitative descriptors and reasonable note
     application_text = f"""
-Company: {company}
-Monthly Revenue: ${monthly_revenue:,}
-Monthly Expenses: ${monthly_expenses:,}
-Requested Advance: ${requested_advance:,}
-"""
+        Company: {company}
+        Monthly Revenue: ${monthly_revenue:,}
+        Monthly Expenses: ${monthly_expenses:,}
+        Requested Advance: ${requested_advance:,}
+        {reasonable_text}
+        Additional Context: {additional_text or 'No additional context provided.'}
+        """
     
     # Process with classifier
     result = classifier(application_text)
     label = result[0]['label']
     score = result[0]['score']
     
-    # Decision logic
-    if label == "POSITIVE" and score > 0.9:
+    # Rule-based financial checks
+    ratio = monthly_revenue / monthly_expenses if monthly_expenses > 0 else float('inf')
+    advance_coverage = net_income / requested_advance if requested_advance > 0 else float('inf')
+    
+    # Decision logic: Combine sentiment with financial rules
+    if (label == "POSITIVE" and 
+        score > 0.9 and 
+        ratio > 1.2 and 
+        advance_coverage > 1.0 and 
+        is_reasonable):
         decision = "Approve"
     else:
         decision = "Reject"
@@ -31,7 +60,11 @@ Requested Advance: ${requested_advance:,}
         "requested_advance": requested_advance,
         "risk_label": label,
         "risk_score": score,
-        "decision": decision
+        "revenue_expense_ratio": round(ratio, 2),
+        "advance_coverage": round(advance_coverage, 2),
+        "reasonable_request": is_reasonable,
+        "decision": decision,
+        "additional_context": additional_text or "None"
     }
     
     return str(output)
@@ -39,23 +72,24 @@ Requested Advance: ${requested_advance:,}
 # Create Gradio interface
 with gr.Blocks(title="MCA Application Processor") as demo:
     gr.Markdown("# 💼 MCA Application Processor")
-    gr.Markdown("Enter application details to get risk assessment and decision.")
+    gr.Markdown("Enter application details to get a risk assessment and decision. Decision is based on sentiment analysis, financial ratios (Revenue/Expenses > 1.2, Advance Coverage > 1.0), and a reasonable request rule (Advance <= 50% of net income and <= 80% of revenue).")
     
     with gr.Row():
         with gr.Column():
             company = gr.Textbox(label="Company Name", value="Acme Corp")
-            monthly_revenue = gr.Number(label="Monthly Revenue ($)", value=120000)
-            monthly_expenses = gr.Number(label="Monthly Expenses ($)", value=90000)
-            requested_advance = gr.Number(label="Requested Advance ($)", value=50000)
+            monthly_revenue = gr.Number(label="Monthly Revenue ($)", value=120000, precision=0)
+            monthly_expenses = gr.Number(label="Monthly Expenses ($)", value=90000, precision=0)
+            requested_advance = gr.Number(label="Requested Advance ($)", value=50000, precision=0)
+            additional_text = gr.Textbox(label="Additional Context (Optional)", placeholder="e.g., 'Business has steady growth'", lines=2)
             
             submit_btn = gr.Button("Process Application", variant="primary")
         
         with gr.Column():
-            output = gr.Textbox(label="Result", lines=10)
+            output = gr.Textbox(label="Result", lines=10, interactive=False)
     
     submit_btn.click(
         fn=process_application,
-        inputs=[company, monthly_revenue, monthly_expenses, requested_advance],
+        inputs=[company, monthly_revenue, monthly_expenses, requested_advance, additional_text],
         outputs=output
     )