gistfile1.txt

var payouts = {
  'best-egg':.02,
  'prosper' : .015,
  'ascend': .02,
  'lending-club': .0115,
  'avant': .005,
  'upstart' : 225,
  'pave' : 200,
  'freedom-plus' : 250,
  'springleaf' : 170,
  'pave' : 100,
  'so-fi' : 250,
  'avant' : .5
}


var takeRates = {
  'pave-good':0.01,
  'lending-club-fair':0.260869565,
  'ascend-fair':0.25,
  'lendingpoint-fair':0.245614035,
  'best-egg-excellent':0.235294118,
  'best-egg-good':0.2,
  'lending-club-good':0.191780822,
  'ascend-good':0.181818182,
  'avant-good':0.140540541,
  'prosper-good':0.137931034,
  'lendingpoint-good':0.131147541,
  'avant-fair':0.111702128,
  'prosper-excellent':0.102564103,
  'upstart-good':0.095477387,
  'lending-club-excellent':0.06870229,
  'springleaf-poor':0.066666667,
  'avant-excellent':0.045454545,
  'upstart-excellent':0.030769231,
  'springleaf-fair':0.030358786,
  'netcredit-fair':0.029739777,
  'netcredit-good':0.029411765,
  'springleaf-good':0.027472527,
  'lendingpoint-excellent':0.026315789
}

var getExpectedPayout = function(lender, creditScore, amount){
  var takeRate = takeRates[lender+'-'+creditScore];
  var payout =  payouts[lender] < 1 ?   payouts[lender] * amount :   payouts[lender];
  var estimate = takeRate*payout;
  //if null using existing logic
  return estimate;
}