CLI program which takes a CSV and an amount of requested to borrow. The CSV contains different offers from lenders with the amount of money they have available and the rate at which they will lend it at.

The Program calculates the best rate available from the pool of lenders for a 36 month loan blending the interest rate if money has to be taken from multiple lenders. It builds the quote by taking the money from the best rate lenders first and the higher rate lenders if more money is required.

The quote is returned with monthly payments and total repayment calculated with monthly compounded interest.

You can request a quote from £100 to £15000 in multiples of 100. The application will only be able to provide a quote in funds are available in the pool of lenders provided on the CSV.

To run cd into directory.

./loan_calculator [CSV file] [amount]

The application was built with a TDD process to explore and learn about the domain via unit testing. This approach enabled me to create solutions for the best rate, blended rate and compounded interest calculations in a structured simple way.

I have used the approach that a unit is a unit of behaviour rather than an isolated component such as a class. Therefore in the unit tests the loan_calculator_spec.rb is dependant on the Offer class as their behaviour as collaborators is a unit.

Your CSV should be in the below format. Rate percentages must be in decimal.

Lender,Rate,Available
Bob,0.075,640

A sample CSV market.csv is provided. This CSV file is also used for the tests.