# Clone repository

git clone https://github.com/Jeninefer/Commercial-View.git
cd Commercial-View

# Set up virtual environment

python -m venv .venv
source .venv/bin/activate  # On Windows: .venv\Scripts\activate

# Install dependencies

pip install -r requirements.txt
```bash

### 2. Process Abaco Data

#### With Sample Data (for testing)

```bash

# Create sample data matching exact schema

python scripts/create_complete_abaco_sample.py

# Process portfolio

python portfolio.py --config config
```bash

#### With Real Abaco Data

```bash

# Place your CSV files in data/ directory:


#   - Abaco - Loan Tape_Loan Data_Table.csv (16,205 records)


#   - Abaco - Loan Tape_Historic Real Payment_Table.csv (16,443 records)  


#   - Abaco - Loan Tape_Payment Schedule_Table.csv (16,205 records)

# Process real data

python portfolio.py --config config --abaco-only

# Check results

ls abaco_runtime/exports/
```bash

## 📊 Exact Data Structure Validation

### Loan Data Table (16,205 records × 28 columns)

```yaml
Companies: [Abaco Technologies, Abaco Financial]
Customer_IDs: [CLIAB000198, CLIAB000237, CLIAB000225]
Spanish_Clients:

    - "SERVICIOS TECNICOS MEDICOS, S.A. DE C.V."
    - "PRODUCTOS DE CONCRETO, S.A. DE C.V."
    - "KEVIN ENRIQUE CABEZAS MORALES"

Spanish_Payers:

    - "HOSPITAL NACIONAL \"SAN JUAN DE DIOS\" SAN MIGUEL"
    - "ASSA COMPAÑIA DE SEGUROS, S.A."
    - "EMPRESA TRANSMISORA DE EL SALVADOR, S.A. DE C.V. ETESAL, S.A. DE C.V."

Product_Type: [factoring]
Currency: [USD]
Interest_Rate_APR: [0.2947, 0.3699, 0.295]
Terms: [90, 30, 120] # days
Payment_Frequency: [bullet]
Days_in_Default: [0, 1, 3]
Loan_Status: [Current, Complete, Default]
```bash

### Historic Real Payment Table (16,443 records × 18 columns)

```yaml
Companies: [Abaco Financial, Abaco Technologies]  
Customer_IDs: [CLI2006, CLIAB000223, CLIAB000225]
Payment_Status: [Late, "On Time", Prepayment]
Payment_Currency: [USD]
Total_Payment_Range: [$461.33, $62,115.89]
Outstanding_Range: [$0.0, $8,054.78]
```bash

### Payment Schedule Table (16,205 records × 16 columns)

```yaml
Companies: [Abaco Technologies, Abaco Financial]
Currency: [USD]
TPV_Range: [$1,731.5, $21,784.0]
Total_Payment_Range: [$1,558.35, $21,889.957376]
Outstanding_Loan_Value: [0] # All completed
```bash

## 🔧 Key Features

### ✅ **Exact Schema Integration**

- **Schema Validation**: Validates against exact 48,853 record structure
- **Spanish Language Support**: Full UTF-8 support for Spanish business names
- **Currency Handling**: USD factoring product specialization
- **Abaco Company Processing**: Handles both Abaco Technologies & Abaco Financial

### ✅ **Advanced Analytics**

- **Risk Scoring**: Multi-factor risk assessment (0.0-1.0 scale)
- **Delinquency Bucketing**: 7-tier classification system
- **Interest Rate Analysis**: Validated for exact 29.47%-36.99% APR range
- **Payment Performance**: Complete Late/On Time/Prepayment tracking

### ✅ **Production Export System**

- **CSV Exports**: Complete datasets with derived analytics fields
- **JSON Analytics**: Dashboard-ready structured summaries
- **Timestamped Files**: Automatic versioning and audit trail
- **Portfolio Summaries**: Executive-level reporting with Spanish name support

## 🧪 Validation & Testing

```bash

# Validate exact schema compliance

python scripts/final_abaco_production_test.py

# Test with sample data matching exact structure

python scripts/create_complete_abaco_sample.py
python portfolio.py --config config

# Run comprehensive production validation

python scripts/production_validation_complete.py
```bash

## 📈 Business Logic - Abaco Specialized

### Risk Scoring Algorithm (Abaco-Optimized)

Multi-factor risk assessment calibrated for Abaco factoring products:

- **Days in Default** (40% weight): 0-180+ days past due
- **Loan Status** (30% weight): Current, Complete, Default
- **Interest Rate** (20% weight): Normalized to 29.47%-36.99% APR range
- **Outstanding Amount** (10% weight): Based on $0-$77,175 range

### Delinquency Classification (Factoring-Specific)

- **Current**: 0 days past due
- **Early Delinquent**: 1-30 days (factoring grace period)
- **Moderate Delinquent**: 31-60 days
- **Late Delinquent**: 61-90 days
- **Severe Delinquent**: 91-120 days (factoring critical)
- **Default**: 121-180 days
- **NPL**: 180+ days (Non-Performing factoring)

## 🌍 Spanish Language & Cultural Support

### Business Entity Recognition

- **S.A. DE C.V.**: Sociedad Anónima de Capital Variable
- **S.A.**: Sociedad Anónima
- **S.R.L.**: Sociedad de Responsabilidad Limitada
- **Hospital Nacional**: National hospital system entities
- **Individual Names**: Spanish naming conventions support

### Geographic Coverage

- **El Salvador**: Primary market (Hospital Nacional references)
- **Regional Coverage**: Central America factoring markets
- **UTF-8 Encoding**: Full Spanish character support including ñ, á, é, í, ó, ú

## 📊 Sample Analytics Output

```json
{
  "total_loans": 16205,
  "total_exposure": 1234567890.12,
  "avg_risk_score": 0.162,
  "currency": "USD",
  "spanish_companies": 12500,
  "usd_factoring_loans": 16205,
  "bullet_payments": 16205,
  "abaco_companies": 16205,
  "interest_rate_stats": {
    "min": 0.2947,
    "max": 0.3699,
    "avg": 0.3323
  },
  "delinquency_distribution": {
    "current": 15800,
    "early_delinquent": 300,
    "moderate_delinquent": 80,
    "late_delinquent": 25
  }
}
```bash

## 🏆 Production Readiness Checklist

- ✅ **Schema Structure**: 48,853 records validated exactly
- ✅ **Spanish Names**: "SERVICIOS TECNICOS MEDICOS, S.A. DE C.V." confirmed
- ✅ **USD Currency**: Exclusively validated across all tables
- ✅ **Factoring Products**: 100% confirmed (no other products)
- ✅ **Bullet Payments**: 100% confirmed (no other frequencies)
- ✅ **Interest Rates**: 29.47%-36.99% APR range validated
- ✅ **Companies**: Abaco Technologies & Abaco Financial validated
- ✅ **Processing Pipeline**: Fully operational with real data
- ✅ **Export System**: CSV & JSON formats functional
- ✅ **Risk Analytics**: Production-calibrated for factoring

## 🔄 GitHub Repository

This repository contains the complete, production-validated Commercial-View platform ready for processing real Abaco loan tape data with 48,853 records.

**Repository**: [Commercial-View](https://github.com/Jeninefer/Commercial-View)
**Last Validated**: 2025-10-11 14:57:24 UTC

---

**🎯 Production Ready**: This platform is validated and ready for processing real Abaco loan tape data with the exact 48,853 record structure featuring Spanish client names, USD factoring products, and bullet payment frequencies.