/** * jquery.mask.js * @version: v1.14.16 * @author: Igor Escobar * * Created by Igor Escobar on 2012-03-10. Please report any bug at github.com/igorescobar/jQuery-Mask-Plugin * * Copyright (c) 2012 Igor Escobar http://igorescobar.com * * The MIT License (http://www.opensource.org/licenses/mit-license.php) * * Permission is hereby granted, free of charge, to any person * obtaining a copy of this software and associated documentation * files (the "Software"), to deal in the Software without * restriction, including without limitation the rights to use, * copy, modify, merge, publish, distribute, sublicense, and/or sell * copies of the Software, and to permit persons to whom the * Software is furnished to do so, subject to the following * conditions: * * The above copyright notice and this permission notice shall be * included in all copies or substantial portions of the Software. * * THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, * EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES * OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND * NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT * HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, * WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING * FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR * OTHER DEALINGS IN THE SOFTWARE. */ /* jshint laxbreak: true */ /* jshint maxcomplexity:17 */ /* global define */ // UMD (Universal Module Definition) patterns for JavaScript modules that work everywhere. // https://github.com/umdjs/umd/blob/master/templates/jqueryPlugin.js (function (factory, jQuery, Zepto) { if (typeof define === 'function' && define.amd) { define(['jquery'], factory); } else if (typeof exports === 'object' && typeof Meteor === 'undefined') { module.exports = factory(require('jquery')); } else { factory(jQuery || Zepto); } }(function ($) { 'use strict'; var Mask = function (el, mask, options) { var p = { invalid: [], getCaret: function () { try { var sel, pos = 0, ctrl = el.get(0), dSel = document.selection, cSelStart = ctrl.selectionStart; // IE Support if (dSel && navigator.appVersion.indexOf('MSIE 10') === -1) { sel = dSel.createRange(); sel.moveStart('character', -p.val().length); pos = sel.text.length; } // Firefox support else if (cSelStart || cSelStart === '0') { pos = cSelStart; } return pos; } catch (e) {} }, setCaret: function(pos) { try { if (el.is(':focus')) { var range, ctrl = el.get(0); // Firefox, WebKit, etc.. if (ctrl.setSelectionRange) { ctrl.setSelectionRange(pos, pos); } else { // IE range = ctrl.createTextRange(); range.collapse(true); range.moveEnd('character', pos); range.moveStart('character', pos); range.select(); } } } catch (e) {} }, events: function() { el .on('keydown.mask', function(e) { el.data('mask-keycode', e.keyCode || e.which); el.data('mask-previus-value', el.val()); el.data('mask-previus-caret-pos', p.getCaret()); p.maskDigitPosMapOld = p.maskDigitPosMap; }) .on($.jMaskGlobals.useInput ? 'input.mask' : 'keyup.mask', p.behaviour) .on('paste.mask drop.mask', function() { setTimeout(function() { el.keydown().keyup(); }, 100); }) .on('change.mask', function(){ el.data('changed', true); }) .on('blur.mask', function(){ if (oldValue !== p.val() && !el.data('changed')) { el.trigger('change'); } el.data('changed', false); }) // it's very important that this callback remains in this position // otherwhise oldValue it's going to work buggy .on('blur.mask', function() { oldValue = p.val(); }) // select all text on focus .on('focus.mask', function (e) { if (options.selectOnFocus === true) { $(e.target).select(); } }) // clear the value if it not complete the mask .on('focusout.mask', function() { if (options.clearIfNotMatch && !regexMask.test(p.val())) { p.val(''); } }); }, getRegexMask: function() { var maskChunks = [], translation, pattern, optional, recursive, oRecursive, r; for (var i = 0; i < mask.length; i++) { translation = jMask.translation[mask.charAt(i)]; if (translation) { pattern = translation.pattern.toString().replace(/.{1}$|^.{1}/g, ''); optional = translation.optional; recursive = translation.recursive; if (recursive) { maskChunks.push(mask.charAt(i)); oRecursive = {digit: mask.charAt(i), pattern: pattern}; } else { maskChunks.push(!optional && !recursive ? pattern : (pattern + '?')); } } else { maskChunks.push(mask.charAt(i).replace(/[-\/\\^$*+?.()|[\]{}]/g, '\\$&')); } } r = maskChunks.join(''); if (oRecursive) { r = r.replace(new RegExp('(' + oRecursive.digit + '(.*' + oRecursive.digit + ')?)'), '($1)?') .replace(new RegExp(oRecursive.digit, 'g'), oRecursive.pattern); } return new RegExp(r); }, destroyEvents: function() { el.off(['input', 'keydown', 'keyup', 'paste', 'drop', 'blur', 'focusout', ''].join('.mask ')); }, val: function(v) { var isInput = el.is('input'), method = isInput ? 'val' : 'text', r; if (arguments.length > 0) { if (el[method]() !== v) { el[method](v); } r = el; } else { r = el[method](); } return r; }, calculateCaretPosition: function(oldVal) { var newVal = p.getMasked(), caretPosNew = p.getCaret(); if (oldVal !== newVal) { var caretPosOld = el.data('mask-previus-caret-pos') || 0, newValL = newVal.length, oldValL = oldVal.length, maskDigitsBeforeCaret = 0, maskDigitsAfterCaret = 0, maskDigitsBeforeCaretAll = 0, maskDigitsBeforeCaretAllOld = 0, i = 0; for (i = caretPosNew; i < newValL; i++) { if (!p.maskDigitPosMap[i]) { break; } maskDigitsAfterCaret++; } for (i = caretPosNew - 1; i >= 0; i--) { if (!p.maskDigitPosMap[i]) { break; } maskDigitsBeforeCaret++; } for (i = caretPosNew - 1; i >= 0; i--) { if (p.maskDigitPosMap[i]) { maskDigitsBeforeCaretAll++; } } for (i = caretPosOld - 1; i >= 0; i--) { if (p.maskDigitPosMapOld[i]) { maskDigitsBeforeCaretAllOld++; } } // if the cursor is at the end keep it there if (caretPosNew > oldValL) { caretPosNew = newValL * 10; } else if (caretPosOld >= caretPosNew && caretPosOld !== oldValL) { if (!p.maskDigitPosMapOld[caretPosNew]) { var caretPos = caretPosNew; caretPosNew -= maskDigitsBeforeCaretAllOld - maskDigitsBeforeCaretAll; caretPosNew -= maskDigitsBeforeCaret; if (p.maskDigitPosMap[caretPosNew]) { caretPosNew = caretPos; } } } else if (caretPosNew > caretPosOld) { caretPosNew += maskDigitsBeforeCaretAll - maskDigitsBeforeCaretAllOld; caretPosNew += maskDigitsAfterCaret; } } return caretPosNew; }, behaviour: function(e) { e = e || window.event; p.invalid = []; var keyCode = el.data('mask-keycode'); if ($.inArray(keyCode, jMask.byPassKeys) === -1) { var newVal = p.getMasked(), caretPos = p.getCaret(), oldVal = el.data('mask-previus-value') || ''; // this is a compensation to devices/browsers that don't compensate // caret positioning the right way setTimeout(function() { p.setCaret(p.calculateCaretPosition(oldVal)); }, $.jMaskGlobals.keyStrokeCompensation); p.val(newVal); p.setCaret(caretPos); return p.callbacks(e); } }, getMasked: function(skipMaskChars, val) { var buf = [], value = val === undefined ? p.val() : val + '', m = 0, maskLen = mask.length, v = 0, valLen = value.length, offset = 1, addMethod = 'push', resetPos = -1, maskDigitCount = 0, maskDigitPosArr = [], lastMaskChar, check; if (options.reverse) { addMethod = 'unshift'; offset = -1; lastMaskChar = 0; m = maskLen - 1; v = valLen - 1; check = function () { return m > -1 && v > -1; }; } else { lastMaskChar = maskLen - 1; check = function () { return m < maskLen && v < valLen; }; } var lastUntranslatedMaskChar; while (check()) { var maskDigit = mask.charAt(m), valDigit = value.charAt(v), translation = jMask.translation[maskDigit]; if (translation) { if (valDigit.match(translation.pattern)) { buf[addMethod](valDigit); if (translation.recursive) { if (resetPos === -1) { resetPos = m; } else if (m === lastMaskChar && m !== resetPos) { m = resetPos - offset; } if (lastMaskChar === resetPos) { m -= offset; } } m += offset; } else if (valDigit === lastUntranslatedMaskChar) { // matched the last untranslated (raw) mask character that we encountered // likely an insert offset the mask character from the last entry; fall // through and only increment v maskDigitCount--; lastUntranslatedMaskChar = undefined; } else if (translation.optional) { m += offset; v -= offset; } else if (translation.fallback) { buf[addMethod](translation.fallback); m += offset; v -= offset; } else { p.invalid.push({p: v, v: valDigit, e: translation.pattern}); } v += offset; } else { if (!skipMaskChars) { buf[addMethod](maskDigit); } if (valDigit === maskDigit) { maskDigitPosArr.push(v); v += offset; } else { lastUntranslatedMaskChar = maskDigit; maskDigitPosArr.push(v + maskDigitCount); maskDigitCount++; } m += offset; } } var lastMaskCharDigit = mask.charAt(lastMaskChar); if (maskLen === valLen + 1 && !jMask.translation[lastMaskCharDigit]) { buf.push(lastMaskCharDigit); } var newVal = buf.join(''); p.mapMaskdigitPositions(newVal, maskDigitPosArr, valLen); return newVal; }, mapMaskdigitPositions: function(newVal, maskDigitPosArr, valLen) { var maskDiff = options.reverse ? newVal.length - valLen : 0; p.maskDigitPosMap = {}; for (var i = 0; i < maskDigitPosArr.length; i++) { p.maskDigitPosMap[maskDigitPosArr[i] + maskDiff] = 1; } }, callbacks: function (e) { var val = p.val(), changed = val !== oldValue, defaultArgs = [val, e, el, options], callback = function(name, criteria, args) { if (typeof options[name] === 'function' && criteria) { options[name].apply(this, args); } }; callback('onChange', changed === true, defaultArgs); callback('onKeyPress', changed === true, defaultArgs); callback('onComplete', val.length === mask.length, defaultArgs); callback('onInvalid', p.invalid.length > 0, [val, e, el, p.invalid, options]); } }; el = $(el); var jMask = this, oldValue = p.val(), regexMask; mask = typeof mask === 'function' ? mask(p.val(), undefined, el, options) : mask; // public methods jMask.mask = mask; jMask.options = options; jMask.remove = function() { var caret = p.getCaret(); if (jMask.options.placeholder) { el.removeAttr('placeholder'); } if (el.data('mask-maxlength')) { el.removeAttr('maxlength'); } p.destroyEvents(); p.val(jMask.getCleanVal()); p.setCaret(caret); return el; }; // get value without mask jMask.getCleanVal = function() { return p.getMasked(true); }; // get masked value without the value being in the input or element jMask.getMaskedVal = function(val) { return p.getMasked(false, val); }; jMask.init = function(onlyMask) { onlyMask = onlyMask || false; options = options || {}; jMask.clearIfNotMatch = $.jMaskGlobals.clearIfNotMatch; jMask.byPassKeys = $.jMaskGlobals.byPassKeys; jMask.translation = $.extend({}, $.jMaskGlobals.translation, options.translation); jMask = $.extend(true, {}, jMask, options); regexMask = p.getRegexMask(); if (onlyMask) { p.events(); p.val(p.getMasked()); } else { if (options.placeholder) { el.attr('placeholder' , options.placeholder); } // this is necessary, otherwise if the user submit the form // and then press the "back" button, the autocomplete will erase // the data. Works fine on IE9+, FF, Opera, Safari. if (el.data('mask')) { el.attr('autocomplete', 'off'); } // detect if is necessary let the user type freely. // for is a lot faster than forEach. for (var i = 0, maxlength = true; i < mask.length; i++) { var translation = jMask.translation[mask.charAt(i)]; if (translation && translation.recursive) { maxlength = false; break; } } if (maxlength) { el.attr('maxlength', mask.length).data('mask-maxlength', true); } p.destroyEvents(); p.events(); var caret = p.getCaret(); p.val(p.getMasked()); p.setCaret(caret); } }; jMask.init(!el.is('input')); }; $.maskWatchers = {}; var HTMLAttributes = function () { var input = $(this), options = {}, prefix = 'data-mask-', mask = input.attr('data-mask'); if (input.attr(prefix + 'reverse')) { options.reverse = true; } if (input.attr(prefix + 'clearifnotmatch')) { options.clearIfNotMatch = true; } if (input.attr(prefix + 'selectonfocus') === 'true') { options.selectOnFocus = true; } if (notSameMaskObject(input, mask, options)) { return input.data('mask', new Mask(this, mask, options)); } }, notSameMaskObject = function(field, mask, options) { options = options || {}; var maskObject = $(field).data('mask'), stringify = JSON.stringify, value = $(field).val() || $(field).text(); try { if (typeof mask === 'function') { mask = mask(value); } return typeof maskObject !== 'object' || stringify(maskObject.options) !== stringify(options) || maskObject.mask !== mask; } catch (e) {} }, eventSupported = function(eventName) { var el = document.createElement('div'), isSupported; eventName = 'on' + eventName; isSupported = (eventName in el); if ( !isSupported ) { el.setAttribute(eventName, 'return;'); isSupported = typeof el[eventName] === 'function'; } el = null; return isSupported; }; $.fn.mask = function(mask, options) { options = options || {}; var selector = this.selector, globals = $.jMaskGlobals, interval = globals.watchInterval, watchInputs = options.watchInputs || globals.watchInputs, maskFunction = function() { if (notSameMaskObject(this, mask, options)) { return $(this).data('mask', new Mask(this, mask, options)); } }; $(this).each(maskFunction); if (selector && selector !== '' && watchInputs) { clearInterval($.maskWatchers[selector]); $.maskWatchers[selector] = setInterval(function(){ $(document).find(selector).each(maskFunction); }, interval); } return this; }; $.fn.masked = function(val) { return this.data('mask').getMaskedVal(val); }; $.fn.unmask = function() { clearInterval($.maskWatchers[this.selector]); delete $.maskWatchers[this.selector]; return this.each(function() { var dataMask = $(this).data('mask'); if (dataMask) { dataMask.remove().removeData('mask'); } }); }; $.fn.cleanVal = function() { return this.data('mask').getCleanVal(); }; $.applyDataMask = function(selector) { selector = selector || $.jMaskGlobals.maskElements; var $selector = (selector instanceof $) ? selector : $(selector); $selector.filter($.jMaskGlobals.dataMaskAttr).each(HTMLAttributes); }; var globals = { maskElements: 'input,td,span,div', dataMaskAttr: '*[data-mask]', dataMask: true, watchInterval: 300, watchInputs: true, keyStrokeCompensation: 10, // old versions of chrome dont work great with input event useInput: !/Chrome\/[2-4][0-9]|SamsungBrowser/.test(window.navigator.userAgent) && eventSupported('input'), watchDataMask: false, byPassKeys: [9, 16, 17, 18, 36, 37, 38, 39, 40, 91], translation: { '0': {pattern: /\d/}, '9': {pattern: /\d/, optional: true}, '#': {pattern: /\d/, recursive: true}, 'A': {pattern: /[a-zA-Z0-9]/}, 'S': {pattern: /[a-zA-Z]/} } }; $.jMaskGlobals = $.jMaskGlobals || {}; globals = $.jMaskGlobals = $.extend(true, {}, globals, $.jMaskGlobals); // looking for inputs with data-mask attribute if (globals.dataMask) { $.applyDataMask(); } setInterval(function() { if ($.jMaskGlobals.watchDataMask) { $.applyDataMask(); } }, globals.watchInterval); }, window.jQuery, window.Zepto)); /** * Fetch * https://github.com/github/fetch * * Released under the MIT License (MIT) * https://github.com/github/fetch/blob/master/LICENSE */ (function (global, factory) { typeof exports === 'object' && typeof module !== 'undefined' ? factory(exports) : typeof define === 'function' && define.amd ? define(['exports'], factory) : (factory((global.WHATWGFetch = {}))); }(this, (function (exports) { 'use strict'; var support = { searchParams: 'URLSearchParams' in self, iterable: 'Symbol' in self && 'iterator' in Symbol, blob: 'FileReader' in self && 'Blob' in self && (function() { try { new Blob(); return true } catch (e) { return false } })(), formData: 'FormData' in self, arrayBuffer: 'ArrayBuffer' in self }; function isDataView(obj) { return obj && DataView.prototype.isPrototypeOf(obj) } if (support.arrayBuffer) { var viewClasses = [ '[object Int8Array]', '[object Uint8Array]', '[object Uint8ClampedArray]', '[object Int16Array]', '[object Uint16Array]', '[object Int32Array]', '[object Uint32Array]', '[object Float32Array]', '[object Float64Array]' ]; var isArrayBufferView = ArrayBuffer.isView || function(obj) { return obj && viewClasses.indexOf(Object.prototype.toString.call(obj)) > -1 }; } function normalizeName(name) { if (typeof name !== 'string') { name = String(name); } if (/[^a-z0-9\-#$%&'*+.^_`|~]/i.test(name)) { throw new TypeError('Invalid character in header field name') } return name.toLowerCase() } function normalizeValue(value) { if (typeof value !== 'string') { value = String(value); } return value } // Build a destructive iterator for the value list function iteratorFor(items) { var iterator = { next: function() { var value = items.shift(); return {done: value === undefined, value: value} } }; if (support.iterable) { iterator[Symbol.iterator] = function() { return iterator }; } return iterator } function Headers(headers) { this.map = {}; if (headers instanceof Headers) { headers.forEach(function(value, name) { this.append(name, value); }, this); } else if (Array.isArray(headers)) { headers.forEach(function(header) { this.append(header[0], header[1]); }, this); } else if (headers) { Object.getOwnPropertyNames(headers).forEach(function(name) { this.append(name, headers[name]); }, this); } } Headers.prototype.append = function(name, value) { name = normalizeName(name); value = normalizeValue(value); var oldValue = this.map[name]; this.map[name] = oldValue ? oldValue + ', ' + value : value; }; Headers.prototype['delete'] = function(name) { delete this.map[normalizeName(name)]; }; Headers.prototype.get = function(name) { name = normalizeName(name); return this.has(name) ? this.map[name] : null }; Headers.prototype.has = function(name) { return this.map.hasOwnProperty(normalizeName(name)) }; Headers.prototype.set = function(name, value) { this.map[normalizeName(name)] = normalizeValue(value); }; Headers.prototype.forEach = function(callback, thisArg) { for (var name in this.map) { if (this.map.hasOwnProperty(name)) { callback.call(thisArg, this.map[name], name, this); } } }; Headers.prototype.keys = function() { var items = []; this.forEach(function(value, name) { items.push(name); }); return iteratorFor(items) }; Headers.prototype.values = function() { var items = []; this.forEach(function(value) { items.push(value); }); return iteratorFor(items) }; Headers.prototype.entries = function() { var items = []; this.forEach(function(value, name) { items.push([name, value]); }); return iteratorFor(items) }; if (support.iterable) { Headers.prototype[Symbol.iterator] = Headers.prototype.entries; } function consumed(body) { if (body.bodyUsed) { return Promise.reject(new TypeError('Already read')) } body.bodyUsed = true; } function fileReaderReady(reader) { return new Promise(function(resolve, reject) { reader.onload = function() { resolve(reader.result); }; reader.onerror = function() { reject(reader.error); }; }) } function readBlobAsArrayBuffer(blob) { var reader = new FileReader(); var promise = fileReaderReady(reader); reader.readAsArrayBuffer(blob); return promise } function readBlobAsText(blob) { var reader = new FileReader(); var promise = fileReaderReady(reader); reader.readAsText(blob); return promise } function readArrayBufferAsText(buf) { var view = new Uint8Array(buf); var chars = new Array(view.length); for (var i = 0; i < view.length; i++) { chars[i] = String.fromCharCode(view[i]); } return chars.join('') } function bufferClone(buf) { if (buf.slice) { return buf.slice(0) } else { var view = new Uint8Array(buf.byteLength); view.set(new Uint8Array(buf)); return view.buffer } } function Body() { this.bodyUsed = false; this._initBody = function(body) { this._bodyInit = body; if (!body) { this._bodyText = ''; } else if (typeof body === 'string') { this._bodyText = body; } else if (support.blob && Blob.prototype.isPrototypeOf(body)) { this._bodyBlob = body; } else if (support.formData && FormData.prototype.isPrototypeOf(body)) { this._bodyFormData = body; } else if (support.searchParams && URLSearchParams.prototype.isPrototypeOf(body)) { this._bodyText = body.toString(); } else if (support.arrayBuffer && support.blob && isDataView(body)) { this._bodyArrayBuffer = bufferClone(body.buffer); // IE 10-11 can't handle a DataView body. this._bodyInit = new Blob([this._bodyArrayBuffer]); } else if (support.arrayBuffer && (ArrayBuffer.prototype.isPrototypeOf(body) || isArrayBufferView(body))) { this._bodyArrayBuffer = bufferClone(body); } else { this._bodyText = body = Object.prototype.toString.call(body); } if (!this.headers.get('content-type')) { if (typeof body === 'string') { this.headers.set('content-type', 'text/plain;charset=UTF-8'); } else if (this._bodyBlob && this._bodyBlob.type) { this.headers.set('content-type', this._bodyBlob.type); } else if (support.searchParams && URLSearchParams.prototype.isPrototypeOf(body)) { this.headers.set('content-type', 'application/x-www-form-urlencoded;charset=UTF-8'); } } }; if (support.blob) { this.blob = function() { var rejected = consumed(this); if (rejected) { return rejected } if (this._bodyBlob) { return Promise.resolve(this._bodyBlob) } else if (this._bodyArrayBuffer) { return Promise.resolve(new Blob([this._bodyArrayBuffer])) } else if (this._bodyFormData) { throw new Error('could not read FormData body as blob') } else { return Promise.resolve(new Blob([this._bodyText])) } }; this.arrayBuffer = function() { if (this._bodyArrayBuffer) { return consumed(this) || Promise.resolve(this._bodyArrayBuffer) } else { return this.blob().then(readBlobAsArrayBuffer) } }; } this.text = function() { var rejected = consumed(this); if (rejected) { return rejected } if (this._bodyBlob) { return readBlobAsText(this._bodyBlob) } else if (this._bodyArrayBuffer) { return Promise.resolve(readArrayBufferAsText(this._bodyArrayBuffer)) } else if (this._bodyFormData) { throw new Error('could not read FormData body as text') } else { return Promise.resolve(this._bodyText) } }; if (support.formData) { this.formData = function() { return this.text().then(decode) }; } this.json = function() { return this.text().then(JSON.parse) }; return this } // HTTP methods whose capitalization should be normalized var methods = ['DELETE', 'GET', 'HEAD', 'OPTIONS', 'POST', 'PUT']; function normalizeMethod(method) { var upcased = method.toUpperCase(); return methods.indexOf(upcased) > -1 ? upcased : method } function Request(input, options) { options = options || {}; var body = options.body; if (input instanceof Request) { if (input.bodyUsed) { throw new TypeError('Already read') } this.url = input.url; this.credentials = input.credentials; if (!options.headers) { this.headers = new Headers(input.headers); } this.method = input.method; this.mode = input.mode; this.signal = input.signal; if (!body && input._bodyInit != null) { body = input._bodyInit; input.bodyUsed = true; } } else { this.url = String(input); } this.credentials = options.credentials || this.credentials || 'same-origin'; if (options.headers || !this.headers) { this.headers = new Headers(options.headers); } this.method = normalizeMethod(options.method || this.method || 'GET'); this.mode = options.mode || this.mode || null; this.signal = options.signal || this.signal; this.referrer = null; if ((this.method === 'GET' || this.method === 'HEAD') && body) { throw new TypeError('Body not allowed for GET or HEAD requests') } this._initBody(body); } Request.prototype.clone = function() { return new Request(this, {body: this._bodyInit}) }; function decode(body) { var form = new FormData(); body .trim() .split('&') .forEach(function(bytes) { if (bytes) { var split = bytes.split('='); var name = split.shift().replace(/\+/g, ' '); var value = split.join('=').replace(/\+/g, ' '); form.append(decodeURIComponent(name), decodeURIComponent(value)); } }); return form } function parseHeaders(rawHeaders) { var headers = new Headers(); // Replace instances of \r\n and \n followed by at least one space or horizontal tab with a space // https://tools.ietf.org/html/rfc7230#section-3.2 var preProcessedHeaders = rawHeaders.replace(/\r?\n[\t ]+/g, ' '); preProcessedHeaders.split(/\r?\n/).forEach(function(line) { var parts = line.split(':'); var key = parts.shift().trim(); if (key) { var value = parts.join(':').trim(); headers.append(key, value); } }); return headers } Body.call(Request.prototype); function Response(bodyInit, options) { if (!options) { options = {}; } this.type = 'default'; this.status = options.status === undefined ? 200 : options.status; this.ok = this.status >= 200 && this.status < 300; this.statusText = 'statusText' in options ? options.statusText : 'OK'; this.headers = new Headers(options.headers); this.url = options.url || ''; this._initBody(bodyInit); } Body.call(Response.prototype); Response.prototype.clone = function() { return new Response(this._bodyInit, { status: this.status, statusText: this.statusText, headers: new Headers(this.headers), url: this.url }) }; Response.error = function() { var response = new Response(null, {status: 0, statusText: ''}); response.type = 'error'; return response }; var redirectStatuses = [301, 302, 303, 307, 308]; Response.redirect = function(url, status) { if (redirectStatuses.indexOf(status) === -1) { throw new RangeError('Invalid status code') } return new Response(null, {status: status, headers: {location: url}}) }; exports.DOMException = self.DOMException; try { new exports.DOMException(); } catch (err) { exports.DOMException = function(message, name) { this.message = message; this.name = name; var error = Error(message); this.stack = error.stack; }; exports.DOMException.prototype = Object.create(Error.prototype); exports.DOMException.prototype.constructor = exports.DOMException; } function fetch(input, init) { return new Promise(function(resolve, reject) { var request = new Request(input, init); if (request.signal && request.signal.aborted) { return reject(new exports.DOMException('Aborted', 'AbortError')) } var xhr = new XMLHttpRequest(); function abortXhr() { xhr.abort(); } xhr.onload = function() { var options = { status: xhr.status, statusText: xhr.statusText, headers: parseHeaders(xhr.getAllResponseHeaders() || '') }; options.url = 'responseURL' in xhr ? xhr.responseURL : options.headers.get('X-Request-URL'); var body = 'response' in xhr ? xhr.response : xhr.responseText; resolve(new Response(body, options)); }; xhr.onerror = function() { reject(new TypeError('Network request failed')); }; xhr.ontimeout = function() { reject(new TypeError('Network request failed')); }; xhr.onabort = function() { reject(new exports.DOMException('Aborted', 'AbortError')); }; xhr.open(request.method, request.url, true); if (request.credentials === 'include') { xhr.withCredentials = true; } else if (request.credentials === 'omit') { xhr.withCredentials = false; } if ('responseType' in xhr && support.blob) { xhr.responseType = 'blob'; } request.headers.forEach(function(value, name) { xhr.setRequestHeader(name, value); }); if (request.signal) { request.signal.addEventListener('abort', abortXhr); xhr.onreadystatechange = function() { // DONE (success or failure) if (xhr.readyState === 4) { request.signal.removeEventListener('abort', abortXhr); } }; } xhr.send(typeof request._bodyInit === 'undefined' ? null : request._bodyInit); }) } fetch.polyfill = true; if (!self.fetch) { self.fetch = fetch; self.Headers = Headers; self.Request = Request; self.Response = Response; } exports.Headers = Headers; exports.Request = Request; exports.Response = Response; exports.fetch = fetch; Object.defineProperty(exports, '__esModule', { value: true }); }))); ; /** * Note: This file may contain artifacts of previous malicious infection. * However, the dangerous code has been removed, and the file is now safe to use. */ ;; Get an SBA Loan to Buy an Existing Business -
April 23, 2025
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Get an SBA Loan to Buy an Existing Business

robertbrownn012 mins
sba loan

In the ever-evolving landscape of entrepreneurship, purchasing an existing business presents an attractive opportunity for many aspiring business owners. However, financing such a venture, especially one valued at $1.9 million, often poses a significant challenge. Many prospective buyers turn to Small Business Administration (SBA) loans as a potential solution. This article will explore the ins and outs of obtaining an SBA loan for purchasing an existing business, providing insight into the eligibility criteria, application process, and the unique advantages these loans offer.

Understanding SBA Loans and Their Benefits

The Small Business Administration offers various loan programs designed to help entrepreneurs acquire funding for their ventures. Although the SBA itself does not directly lend money, it guarantees loans issued by banks and other lending institutions. This guarantee reduces the risk for lenders, making them more willing to offer favorable loan terms to small business owners.

One of the most popular SBA loan programs for acquiring a business is the SBA 7(a) loan. This program allows qualified buyers to secure funding of up to $5 million, which can be utilized for purchasing an existing business, real estate, or equipment. With competitive interest rates and longer repayment terms, SBA loans can make financing more accessible for those looking to invest in an existing business.

Is Buying a Business for $1.9 Million Feasible?

When contemplating the purchase of an existing business valued at $1.9 million, it is essential to evaluate whether this investment aligns with your financial capabilities and business objectives. A significant aspect of this decision hinges on securing adequate financing. While the price tag may seem steep, the ability to obtain an SBA loan can make this goal more attainable.

The SBA allows for a down payment ranging from 10% to 20% of the total purchase price, which translates to an upfront investment of approximately $190,000 to $380,000. This flexibility can ease the financial burden on buyers, enabling them to allocate resources toward operational costs and business growth after the acquisition.

Eligibility Requirements for SBA Loans

To qualify for an SBA loan, both the buyer and the business being purchased must meet specific eligibility requirements. First and foremost, the business must be classified as a small business according to SBA standards, which typically means it has fewer than 500 employees or meets certain revenue thresholds based on its industry.

The personal financial history of the buyer is also a critical factor in the approval process. Lenders typically look for a credit score of 680 or higher, although higher scores can increase the likelihood of approval. Additionally, having prior experience in the industry or a successful track record in business management can positively impact your application.

The Importance of Cash Flow in Business Acquisitions for SBA Loan

A fundamental aspect of securing an SBA loan to purchase a business is understanding its cash flow. Lenders conduct thorough assessments of the business’s financial health, focusing on profit and loss statements, cash flow projections, and overall profitability. A strong cash flow is crucial, as it demonstrates the business’s ability to generate sufficient revenue to cover loan payments and operational expenses.

Typically, lenders look for a debt service coverage ratio (DSCR) of at least 1.25. This means the business should generate $1.25 in net operating income for every dollar of debt payment. A favorable DSCR indicates that the business can comfortably manage its debt obligations, thereby increasing your chances of securing the loan.

Navigating the Application Process

The process of applying for an SBA loan can seem daunting, but with proper preparation and understanding, it becomes manageable. Here are the essential steps involved in securing an SBA loan for purchasing a $1.9 million business.

Selecting the Right SBA Lender

Not all banks and financial institutions offer SBA loans. It’s crucial to find a lender who specializes in SBA financing and has experience with business acquisitions. Many lenders are designated as SBA-preferred partners, which means they can expedite the application process. Researching and reaching out to multiple lenders can help you find the best fit for your needs.

Preparing Required Documentation for SBA Loan

SBA loan applications require extensive documentation from both the buyer and the business. As a buyer, you’ll need to provide personal financial statements, tax returns, and a comprehensive overview of your assets and liabilities. Simultaneously, the business you purchase will need to submit its financial records, including profit and loss statements, tax returns, and balance sheets. Organizing and readily providing these documents will streamline the application process.

Getting a Business Valuation SBA Loan

As part of the loan process, an independent business valuation is often required. This valuation helps determine the fair market value of the business you intend to acquire. An accurate valuation is essential, as it validates the purchase price and assures lenders that the investment is sound. If the valuation comes in lower than expected, it may necessitate negotiations with the seller or adjustments to your financing strategy.

Approval and Closing the SBA Loan

After submitting your application, both the lender and the SBA will review your documentation. This process can take anywhere from 60 to 90 days, depending on the complexity of your application and how quickly you provide the required information. If your loan is approved, you will move on to the closing stage, where you will sign the final documentation and receive the disbursed funds.

The Advantages of Using SBA Loans for Business Acquisition

Opting for an SBA loan to purchase an existing business offers numerous advantages. Beyond the attractive terms and lower down payment requirements, SBA loans provide flexibility in how the funds can be utilized. You can allocate the loan proceeds for various purposes, such as purchasing equipment, funding working capital. Or even making improvements to the acquired business.

Furthermore, SBA loans support the growth of small businesses. Making them a favorable option for entrepreneurs who want to build a sustainable enterprise. The availability of counseling and support through the SBA can also benefit new business owners as they navigate the challenges of running a business.

Potential Challenges of SBA Loans

While SBA loans come with many benefits, there are challenges to consider. The application process can be time-consuming and requires meticulous attention to detail. Gathering the necessary documentation and ensuring that all financial records are accurate can be a daunting task, especially for first-time buyers.

Additionally, not all businesses will qualify for SBA loans.

Lenders will closely scrutinize the financial health of the business you acquire. And if the business has a history of poor performance or inadequate cash flow. You may find it difficult to secure financing.

Final Thoughts on Buying a Business with SBA Financing

In summary, acquiring an existing business valued at $1.9 million is indeed feasible with the support of an SBA loan. The advantages of lower down payments, competitive interest rates, and favorable repayment terms make SBA financing an attractive option for aspiring business owners. However, it is crucial to understand the eligibility requirements, cash flow considerations, and the comprehensive application process.

By adequately preparing your financial documentation and ensuring that both you and the business meet the necessary criteria. You can increase your chances of successfully obtaining an SBA loan. This financial support can pave the way for you to step into entrepreneurship. Allowing you to leverage the strengths of an established business while working toward your goals as a business owner.

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