Token

// SPDX-License-Identifier: BUSL-1.1
// See bluejay.finance/license
pragma solidity ^0.8.4;

import "@openzeppelin/contracts/token/ERC20/utils/SafeERC20.sol";
import "@openzeppelin/contracts/token/ERC20/extensions/IERC20Metadata.sol";
import "@openzeppelin/contracts/security/ReentrancyGuard.sol";

import "@openzeppelin/contracts-upgradeable/proxy/utils/Initializable.sol";
import "@openzeppelin/contracts-upgradeable/token/ERC20/ERC20Upgradeable.sol";

import "../interfaces/ILoanPool.sol";

contract LoanPool is ILoanPool, ERC20Upgradeable, ReentrancyGuard {
  using SafeERC20 for IERC20;

  uint256 constant WAD = 10 ** 18;

  /// @notice CreditLine contract that this loan pool is using to account for the loan
  ICreditLineBase public override creditLine;

  /// @notice ERC20 token that is being used as the loan currency
  IERC20 public override fundingAsset;

  /// @notice Address of the borrower
  address public override borrower;

  /// @notice Address of the pool factory if deployed & initialized by the factory
  address public override deployer;

  /// @notice Address of the fee receiver
  address public override feeRecipient;

  /// @notice Timestamp the pool is accepting deposits, in unix epoch time
  uint256 public override fundingStart;

  /// @notice Timestamp the pool stops accepting deposits, in unix epoch time
  uint256 public override fundingEnd;

  /// @notice Minimum amount required when funding is closed for successful funding,
  /// in funding asset decimals
  uint256 public override minFundingRequired;

  /// @notice Duration after fundingEnd where drawdown can happen,
  /// or funds will be returned for inactive borrower, in seconds
  uint256 public override drawdownPeriod;

  /// @notice Fee for successful funding, in WAD
  uint256 public override fees;

  /// @notice Amount of assets repaid to individual lenders when they withdraw,
  /// in funding asset decimals
  mapping(address => uint256) public override repayments;

  modifier nonZero(uint256 _value) {
    if (_value == 0) revert ZeroAmount();
    _;
  }

  modifier onlyBorrower() {
    if (msg.sender != borrower) revert NotBorrower();
    _;
  }

  /// @notice Initialize the loan pool
  /// @param _creditLine CreditLine contract that this loan pool is using to account for the loan
  /// @param _fundingAsset ERC20 token that is being used as the loan currency
  /// @param _borrower Address of the borrower
  /// @param _feeRecipient Address of the fee receiver
  /// @param _uints Array of uints, in order:
  // _uints[0] _maxLimit Maximum amount of assets that can be borrowed, in asset's decimals
  // _uints[1] _interestApr Annual interest rate, in WAD
  // _uints[2] _paymentPeriod Length of each payment period, in seconds
  // _uints[3] _gracePeriod Length of the grace period (late fees is not applied), in seconds
  // _uints[4] _lateFeeApr Additional annual interest rate applied on late payments, in WAD
  // _uints[5] _loanTenureInPeriods Number of periods before the loan is due, in wei
  // _uints[6] _earlyRepaymentFee Early repayment fee, in WAD
  // _uints[7] _fundingStart Timestamp of the start of the funding period, in unix epoch time
  // _uints[8] _fundingPeriod Length of the funding period, in seconds
  // _uints[9] _minFundingRequired Minimum amount of funding required, in asset's decimals
  // _uints[10] _drawdownPeriod Length of the drawdown period before refund occurs, in seconds
  // _uints[11] _fee Fee for the loan, in WAD
  function initialize(
    ICreditLineBase _creditLine,
    IERC20 _fundingAsset,
    address _borrower,
    address _feeRecipient,
    uint256[12] calldata _uints // collapsing because of stack too deep
  ) public override initializer {
    __ERC20_init("LoanPool", "LP");
    borrower = _borrower;
    deployer = msg.sender;

    _creditLine.initialize(
      _uints[0],
      _uints[1],
      _uints[2],
      _uints[3],
      _uints[4],
      _uints[5],
      _uints[6]
    );

    creditLine = _creditLine;
    fundingAsset = _fundingAsset;
    feeRecipient = _feeRecipient;
    fundingStart = _uints[7];
    fundingEnd = _uints[7] + _uints[8];
    minFundingRequired = _uints[9];
    drawdownPeriod = _uints[10];
    fees = _uints[11];
  }

  // =============================== BORROWER FUNCTIONS =================================

  /// @notice Drawdown funds raised on the loan pool as borrower and start the interest accrual
  function drawdown() public override onlyBorrower nonReentrant {
    if (block.timestamp >= fundingEnd + drawdownPeriod)
      revert DrawdownPeriodEnded();

    uint256 loanAmount = creditLine.drawdown();
    if (loanAmount < minFundingRequired) revert MinimumFundingNotReached();
    fundingAsset.safeTransfer(borrower, loanAmount);

    uint256 successFees = totalSupply() - loanAmount;
    if (successFees > 0) {
      emit FeesCollected(borrower, feeRecipient, successFees);
      fundingAsset.safeTransfer(feeRecipient, successFees);
    }
    emit Drawndown(msg.sender, loanAmount);
  }

  /// @notice Repay funds to the loan pool as borrower
  /// @dev No access control applied to allow anyone to repay on behalf of the borrower
  /// @param amount Amount of funds to repay, in funding asset decimals
  function repay(uint256 amount) public override nonReentrant nonZero(amount) {
    fundingAsset.safeTransferFrom(msg.sender, address(this), amount);
    creditLine.repay(amount);
    emit Repay(msg.sender, amount);

    // In event that borrower repays more than needed, return excess to borrower
    uint256 additionalRepayment = creditLine.additionalRepayment();
    if (additionalRepayment > 0) {
      fundingAsset.safeTransfer(msg.sender, additionalRepayment);
      emit RefundAdditionalPayment(msg.sender, additionalRepayment);
    }
  }

  // =============================== PUBLIC FUNCTIONS =================================

  /// @notice Deposit funds into the loan pool as lender
  /// @param amount Amount of funds to deposit, in funding asset decimals
  /// @param recipient Address to credit the deposit to
  function fund(
    uint256 amount,
    address recipient
  ) public override nonZero(amount) nonReentrant {
    fundingAsset.safeTransferFrom(msg.sender, address(this), amount);
    _fundDangerous(recipient);
  }

  /// @notice Account for funds deposited
  /// @dev Function should be called from a contract which performs important safety checks.
  /// @param recipient Address to credit the deposit to
  function fundDangerous(address recipient) public nonReentrant {
    _fundDangerous(recipient);
  }

  /// @notice Withdraw funds from the loan pool as lender whenever loan is repaid
  /// @param amount Amount to withdraw, in funding asset decimals
  /// @param recipient Address to withdraw to
  function withdraw(
    uint256 amount,
    address recipient
  ) public override nonZero(amount) nonReentrant {
    ICreditLineBase.State creditLineState = creditLine.loanState();
    if (
      creditLineState != ICreditLineBase.State.Repayment &&
      creditLineState != ICreditLineBase.State.Repaid
    ) revert NotRepaymentOrRepaidState();
    uint256 balance = balanceAvailable(msg.sender);
    if (amount > balance) revert InsufficientBalance();

    repayments[msg.sender] += amount;
    fundingAsset.safeTransfer(recipient, amount);
    emit Withdraw(msg.sender, recipient, amount);
  }

  /// @notice Reverse a withdraw of repayments from the loan pool, to allow more tokens to be transferred
  /// @param amount Amount to reverse withdrawal for, in funding asset decimals
  /// @param recipient Address to reverse withdrawal for
  function unwithdraw(
    uint256 amount,
    address recipient
  ) public override nonZero(amount) nonReentrant {
    if (amount > repayments[recipient]) revert ExcessiveUnwithdraw();

    unchecked {
      repayments[recipient] -= amount;
    }
    fundingAsset.safeTransferFrom(msg.sender, address(this), amount);
    emit Unwithdraw(msg.sender, recipient, amount);
  }

  /// @notice Mark the loan as refunding when funding period is over and minimum funding is not reached
  function refundMinimumNotMet() public override nonReentrant {
    if (block.timestamp <= fundingEnd) revert FundingPeriodNotEnded();
    if (creditLine.principalBalance() >= minFundingRequired)
      revert MinimumFundingReached();
    creditLine.refund();
    emit Refunded();
  }

  /// @notice Mark the loan as refunding when borrower does not drawdown in time
  function refundInactiveBorrower() public override nonReentrant {
    if (block.timestamp < fundingEnd + drawdownPeriod)
      revert DrawdownPeriodNotEnded();
    if (creditLine.loanState() != ICreditLineBase.State.Funding)
      revert NotFundingState();
    creditLine.refund();
    emit Refunded();
  }

  /// @notice Withdraw funds from the loan pool as lender when the pool is in refunding state
  function refund(address recipient) public override nonReentrant {
    if (creditLine.loanState() != ICreditLineBase.State.Refund)
      revert NotRefundState();
    uint256 amount = balanceOf(msg.sender);
    if (amount == 0) revert ZeroAmount();
    _burn(msg.sender, amount);
    fundingAsset.safeTransfer(recipient, amount);
    emit Refund(msg.sender, recipient, amount);
  }

  // =============================== VIEW FUNCTIONS =================================

  function maxRepaymentAmount(
    address account
  ) public view override returns (uint256 repaymentCeiling) {
    uint256 totalRepayments = creditLine.totalRepayments();
    repaymentCeiling = (shareOfPool(account) * totalRepayments) / WAD;
  }

  /// @notice Get the amount of funds that a lender can withdraw from the loan pool
  /// @param account Address of the lender
  /// @return balance Amount of funds that can be withdrawn, in funding asset decimals
  function balanceAvailable(
    address account
  ) public view override returns (uint256 balance) {
    uint256 repaymentCeiling = maxRepaymentAmount(account);
    uint256 amountRepaid = repayments[account];
    unchecked {
      balance = repaymentCeiling > amountRepaid
        ? repaymentCeiling - amountRepaid
        : 0;
    }
  }

  /// @notice Get the share of the loan pool that a lender has
  /// @param account Address of the lender
  /// @return share Share of the loan pool, in WAD
  function shareOfPool(
    address account
  ) public view override returns (uint256 share) {
    uint256 totalSupply = totalSupply();
    if (totalSupply == 0) return 0;
    share = (balanceOf(account) * WAD) / totalSupply;
  }

  /// @notice Get the number of decimals of the funding asset
  /// @dev This allow wallets to display the correct number of decimals
  function decimals() public view virtual override returns (uint8) {
    return IERC20Metadata(address(fundingAsset)).decimals();
  }

  // =============================== INTERNAL FUNCTIONS =================================

  /// @notice Prevent transfers of unencumbered tokens
  function _afterTokenTransfer(
    address from,
    address,
    uint256
  ) internal virtual override {
    if (repayments[from] > maxRepaymentAmount(from))
      revert EncumberedTokenTransfer();
  }

  /// @notice Account for funds deposited
  /// @dev Function should be called from a contract which performs important safety checks.
  /// @param recipient Address to credit the deposit to
  function _fundDangerous(address recipient) internal {
    if (block.timestamp < fundingStart) revert FundingPeriodNotStarted();
    if (block.timestamp > fundingEnd) revert FundingPeriodEnded();

    uint256 amount = fundingAsset.balanceOf(address(this)) - totalSupply();
    creditLine.fund(amount - (amount * fees) / WAD);
    _mint(recipient, amount);
    emit Fund(msg.sender, recipient, amount);
  }
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (token/ERC20/utils/SafeERC20.sol)

pragma solidity ^0.8.0;

import "../IERC20.sol";
import "../../../utils/Address.sol";

/**
 * @title SafeERC20
 * @dev Wrappers around ERC20 operations that throw on failure (when the token
 * contract returns false). Tokens that return no value (and instead revert or
 * throw on failure) are also supported, non-reverting calls are assumed to be
 * successful.
 * To use this library you can add a `using SafeERC20 for IERC20;` statement to your contract,
 * which allows you to call the safe operations as `token.safeTransfer(...)`, etc.
 */
library SafeERC20 {
    using Address for address;

    function safeTransfer(
        IERC20 token,
        address to,
        uint256 value
    ) internal {
        _callOptionalReturn(token, abi.encodeWithSelector(token.transfer.selector, to, value));
    }

    function safeTransferFrom(
        IERC20 token,
        address from,
        address to,
        uint256 value
    ) internal {
        _callOptionalReturn(token, abi.encodeWithSelector(token.transferFrom.selector, from, to, value));
    }

    /**
     * @dev Deprecated. This function has issues similar to the ones found in
     * {IERC20-approve}, and its usage is discouraged.
     *
     * Whenever possible, use {safeIncreaseAllowance} and
     * {safeDecreaseAllowance} instead.
     */
    function safeApprove(
        IERC20 token,
        address spender,
        uint256 value
    ) internal {
        // safeApprove should only be called when setting an initial allowance,
        // or when resetting it to zero. To increase and decrease it, use
        // 'safeIncreaseAllowance' and 'safeDecreaseAllowance'
        require(
            (value == 0) || (token.allowance(address(this), spender) == 0),
            "SafeERC20: approve from non-zero to non-zero allowance"
        );
        _callOptionalReturn(token, abi.encodeWithSelector(token.approve.selector, spender, value));
    }

    function safeIncreaseAllowance(
        IERC20 token,
        address spender,
        uint256 value
    ) internal {
        uint256 newAllowance = token.allowance(address(this), spender) + value;
        _callOptionalReturn(token, abi.encodeWithSelector(token.approve.selector, spender, newAllowance));
    }

    function safeDecreaseAllowance(
        IERC20 token,
        address spender,
        uint256 value
    ) internal {
        unchecked {
            uint256 oldAllowance = token.allowance(address(this), spender);
            require(oldAllowance >= value, "SafeERC20: decreased allowance below zero");
            uint256 newAllowance = oldAllowance - value;
            _callOptionalReturn(token, abi.encodeWithSelector(token.approve.selector, spender, newAllowance));
        }
    }

    /**
     * @dev Imitates a Solidity high-level call (i.e. a regular function call to a contract), relaxing the requirement
     * on the return value: the return value is optional (but if data is returned, it must not be false).
     * @param token The token targeted by the call.
     * @param data The call data (encoded using abi.encode or one of its variants).
     */
    function _callOptionalReturn(IERC20 token, bytes memory data) private {
        // We need to perform a low level call here, to bypass Solidity's return data size checking mechanism, since
        // we're implementing it ourselves. We use {Address.functionCall} to perform this call, which verifies that
        // the target address contains contract code and also asserts for success in the low-level call.

        bytes memory returndata = address(token).functionCall(data, "SafeERC20: low-level call failed");
        if (returndata.length > 0) {
            // Return data is optional
            require(abi.decode(returndata, (bool)), "SafeERC20: ERC20 operation did not succeed");
        }
    }
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (token/ERC20/extensions/IERC20Metadata.sol)

pragma solidity ^0.8.0;

import "../IERC20.sol";

/**
 * @dev Interface for the optional metadata functions from the ERC20 standard.
 *
 * _Available since v4.1._
 */
interface IERC20Metadata is IERC20 {
    /**
     * @dev Returns the name of the token.
     */
    function name() external view returns (string memory);

    /**
     * @dev Returns the symbol of the token.
     */
    function symbol() external view returns (string memory);

    /**
     * @dev Returns the decimals places of the token.
     */
    function decimals() external view returns (uint8);
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (security/ReentrancyGuard.sol)

pragma solidity ^0.8.0;

/**
 * @dev Contract module that helps prevent reentrant calls to a function.
 *
 * Inheriting from `ReentrancyGuard` will make the {nonReentrant} modifier
 * available, which can be applied to functions to make sure there are no nested
 * (reentrant) calls to them.
 *
 * Note that because there is a single `nonReentrant` guard, functions marked as
 * `nonReentrant` may not call one another. This can be worked around by making
 * those functions `private`, and then adding `external` `nonReentrant` entry
 * points to them.
 *
 * TIP: If you would like to learn more about reentrancy and alternative ways
 * to protect against it, check out our blog post
 * https://blog.openzeppelin.com/reentrancy-after-istanbul/[Reentrancy After Istanbul].
 */
abstract contract ReentrancyGuard {
    // Booleans are more expensive than uint256 or any type that takes up a full
    // word because each write operation emits an extra SLOAD to first read the
    // slot's contents, replace the bits taken up by the boolean, and then write
    // back. This is the compiler's defense against contract upgrades and
    // pointer aliasing, and it cannot be disabled.

    // The values being non-zero value makes deployment a bit more expensive,
    // but in exchange the refund on every call to nonReentrant will be lower in
    // amount. Since refunds are capped to a percentage of the total
    // transaction's gas, it is best to keep them low in cases like this one, to
    // increase the likelihood of the full refund coming into effect.
    uint256 private constant _NOT_ENTERED = 1;
    uint256 private constant _ENTERED = 2;

    uint256 private _status;

    constructor() {
        _status = _NOT_ENTERED;
    }

    /**
     * @dev Prevents a contract from calling itself, directly or indirectly.
     * Calling a `nonReentrant` function from another `nonReentrant`
     * function is not supported. It is possible to prevent this from happening
     * by making the `nonReentrant` function external, and making it call a
     * `private` function that does the actual work.
     */
    modifier nonReentrant() {
        // On the first call to nonReentrant, _notEntered will be true
        require(_status != _ENTERED, "ReentrancyGuard: reentrant call");

        // Any calls to nonReentrant after this point will fail
        _status = _ENTERED;

        _;

        // By storing the original value once again, a refund is triggered (see
        // https://eips.ethereum.org/EIPS/eip-2200)
        _status = _NOT_ENTERED;
    }
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (proxy/utils/Initializable.sol)

pragma solidity ^0.8.0;

import "../../utils/AddressUpgradeable.sol";

/**
 * @dev This is a base contract to aid in writing upgradeable contracts, or any kind of contract that will be deployed
 * behind a proxy. Since a proxied contract can't have a constructor, it's common to move constructor logic to an
 * external initializer function, usually called `initialize`. It then becomes necessary to protect this initializer
 * function so it can only be called once. The {initializer} modifier provided by this contract will have this effect.
 *
 * TIP: To avoid leaving the proxy in an uninitialized state, the initializer function should be called as early as
 * possible by providing the encoded function call as the `_data` argument to {ERC1967Proxy-constructor}.
 *
 * CAUTION: When used with inheritance, manual care must be taken to not invoke a parent initializer twice, or to ensure
 * that all initializers are idempotent. This is not verified automatically as constructors are by Solidity.
 *
 * [CAUTION]
 * ====
 * Avoid leaving a contract uninitialized.
 *
 * An uninitialized contract can be taken over by an attacker. This applies to both a proxy and its implementation
 * contract, which may impact the proxy. To initialize the implementation contract, you can either invoke the
 * initializer manually, or you can include a constructor to automatically mark it as initialized when it is deployed:
 *
 * [.hljs-theme-light.nopadding]
 * ```
 * /// @custom:oz-upgrades-unsafe-allow constructor
 * constructor() initializer {}
 * ```
 * ====
 */
abstract contract Initializable {
    /**
     * @dev Indicates that the contract has been initialized.
     */
    bool private _initialized;

    /**
     * @dev Indicates that the contract is in the process of being initialized.
     */
    bool private _initializing;

    /**
     * @dev Modifier to protect an initializer function from being invoked twice.
     */
    modifier initializer() {
        // If the contract is initializing we ignore whether _initialized is set in order to support multiple
        // inheritance patterns, but we only do this in the context of a constructor, because in other contexts the
        // contract may have been reentered.
        require(_initializing ? _isConstructor() : !_initialized, "Initializable: contract is already initialized");

        bool isTopLevelCall = !_initializing;
        if (isTopLevelCall) {
            _initializing = true;
            _initialized = true;
        }

        _;

        if (isTopLevelCall) {
            _initializing = false;
        }
    }

    /**
     * @dev Modifier to protect an initialization function so that it can only be invoked by functions with the
     * {initializer} modifier, directly or indirectly.
     */
    modifier onlyInitializing() {
        require(_initializing, "Initializable: contract is not initializing");
        _;
    }

    function _isConstructor() private view returns (bool) {
        return !AddressUpgradeable.isContract(address(this));
    }
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (token/ERC20/ERC20.sol)

pragma solidity ^0.8.0;

import "./IERC20Upgradeable.sol";
import "./extensions/IERC20MetadataUpgradeable.sol";
import "../../utils/ContextUpgradeable.sol";
import "../../proxy/utils/Initializable.sol";

/**
 * @dev Implementation of the {IERC20} interface.
 *
 * This implementation is agnostic to the way tokens are created. This means
 * that a supply mechanism has to be added in a derived contract using {_mint}.
 * For a generic mechanism see {ERC20PresetMinterPauser}.
 *
 * TIP: For a detailed writeup see our guide
 * https://forum.zeppelin.solutions/t/how-to-implement-erc20-supply-mechanisms/226[How
 * to implement supply mechanisms].
 *
 * We have followed general OpenZeppelin Contracts guidelines: functions revert
 * instead returning `false` on failure. This behavior is nonetheless
 * conventional and does not conflict with the expectations of ERC20
 * applications.
 *
 * Additionally, an {Approval} event is emitted on calls to {transferFrom}.
 * This allows applications to reconstruct the allowance for all accounts just
 * by listening to said events. Other implementations of the EIP may not emit
 * these events, as it isn't required by the specification.
 *
 * Finally, the non-standard {decreaseAllowance} and {increaseAllowance}
 * functions have been added to mitigate the well-known issues around setting
 * allowances. See {IERC20-approve}.
 */
contract ERC20Upgradeable is Initializable, ContextUpgradeable, IERC20Upgradeable, IERC20MetadataUpgradeable {
    mapping(address => uint256) private _balances;

    mapping(address => mapping(address => uint256)) private _allowances;

    uint256 private _totalSupply;

    string private _name;
    string private _symbol;

    /**
     * @dev Sets the values for {name} and {symbol}.
     *
     * The default value of {decimals} is 18. To select a different value for
     * {decimals} you should overload it.
     *
     * All two of these values are immutable: they can only be set once during
     * construction.
     */
    function __ERC20_init(string memory name_, string memory symbol_) internal onlyInitializing {
        __Context_init_unchained();
        __ERC20_init_unchained(name_, symbol_);
    }

    function __ERC20_init_unchained(string memory name_, string memory symbol_) internal onlyInitializing {
        _name = name_;
        _symbol = symbol_;
    }

    /**
     * @dev Returns the name of the token.
     */
    function name() public view virtual override returns (string memory) {
        return _name;
    }

    /**
     * @dev Returns the symbol of the token, usually a shorter version of the
     * name.
     */
    function symbol() public view virtual override returns (string memory) {
        return _symbol;
    }

    /**
     * @dev Returns the number of decimals used to get its user representation.
     * For example, if `decimals` equals `2`, a balance of `505` tokens should
     * be displayed to a user as `5.05` (`505 / 10 ** 2`).
     *
     * Tokens usually opt for a value of 18, imitating the relationship between
     * Ether and Wei. This is the value {ERC20} uses, unless this function is
     * overridden;
     *
     * NOTE: This information is only used for _display_ purposes: it in
     * no way affects any of the arithmetic of the contract, including
     * {IERC20-balanceOf} and {IERC20-transfer}.
     */
    function decimals() public view virtual override returns (uint8) {
        return 18;
    }

    /**
     * @dev See {IERC20-totalSupply}.
     */
    function totalSupply() public view virtual override returns (uint256) {
        return _totalSupply;
    }

    /**
     * @dev See {IERC20-balanceOf}.
     */
    function balanceOf(address account) public view virtual override returns (uint256) {
        return _balances[account];
    }

    /**
     * @dev See {IERC20-transfer}.
     *
     * Requirements:
     *
     * - `recipient` cannot be the zero address.
     * - the caller must have a balance of at least `amount`.
     */
    function transfer(address recipient, uint256 amount) public virtual override returns (bool) {
        _transfer(_msgSender(), recipient, amount);
        return true;
    }

    /**
     * @dev See {IERC20-allowance}.
     */
    function allowance(address owner, address spender) public view virtual override returns (uint256) {
        return _allowances[owner][spender];
    }

    /**
     * @dev See {IERC20-approve}.
     *
     * Requirements:
     *
     * - `spender` cannot be the zero address.
     */
    function approve(address spender, uint256 amount) public virtual override returns (bool) {
        _approve(_msgSender(), spender, amount);
        return true;
    }

    /**
     * @dev See {IERC20-transferFrom}.
     *
     * Emits an {Approval} event indicating the updated allowance. This is not
     * required by the EIP. See the note at the beginning of {ERC20}.
     *
     * Requirements:
     *
     * - `sender` and `recipient` cannot be the zero address.
     * - `sender` must have a balance of at least `amount`.
     * - the caller must have allowance for ``sender``'s tokens of at least
     * `amount`.
     */
    function transferFrom(
        address sender,
        address recipient,
        uint256 amount
    ) public virtual override returns (bool) {
        _transfer(sender, recipient, amount);

        uint256 currentAllowance = _allowances[sender][_msgSender()];
        require(currentAllowance >= amount, "ERC20: transfer amount exceeds allowance");
        unchecked {
            _approve(sender, _msgSender(), currentAllowance - amount);
        }

        return true;
    }

    /**
     * @dev Atomically increases the allowance granted to `spender` by the caller.
     *
     * This is an alternative to {approve} that can be used as a mitigation for
     * problems described in {IERC20-approve}.
     *
     * Emits an {Approval} event indicating the updated allowance.
     *
     * Requirements:
     *
     * - `spender` cannot be the zero address.
     */
    function increaseAllowance(address spender, uint256 addedValue) public virtual returns (bool) {
        _approve(_msgSender(), spender, _allowances[_msgSender()][spender] + addedValue);
        return true;
    }

    /**
     * @dev Atomically decreases the allowance granted to `spender` by the caller.
     *
     * This is an alternative to {approve} that can be used as a mitigation for
     * problems described in {IERC20-approve}.
     *
     * Emits an {Approval} event indicating the updated allowance.
     *
     * Requirements:
     *
     * - `spender` cannot be the zero address.
     * - `spender` must have allowance for the caller of at least
     * `subtractedValue`.
     */
    function decreaseAllowance(address spender, uint256 subtractedValue) public virtual returns (bool) {
        uint256 currentAllowance = _allowances[_msgSender()][spender];
        require(currentAllowance >= subtractedValue, "ERC20: decreased allowance below zero");
        unchecked {
            _approve(_msgSender(), spender, currentAllowance - subtractedValue);
        }

        return true;
    }

    /**
     * @dev Moves `amount` of tokens from `sender` to `recipient`.
     *
     * This internal function is equivalent to {transfer}, and can be used to
     * e.g. implement automatic token fees, slashing mechanisms, etc.
     *
     * Emits a {Transfer} event.
     *
     * Requirements:
     *
     * - `sender` cannot be the zero address.
     * - `recipient` cannot be the zero address.
     * - `sender` must have a balance of at least `amount`.
     */
    function _transfer(
        address sender,
        address recipient,
        uint256 amount
    ) internal virtual {
        require(sender != address(0), "ERC20: transfer from the zero address");
        require(recipient != address(0), "ERC20: transfer to the zero address");

        _beforeTokenTransfer(sender, recipient, amount);

        uint256 senderBalance = _balances[sender];
        require(senderBalance >= amount, "ERC20: transfer amount exceeds balance");
        unchecked {
            _balances[sender] = senderBalance - amount;
        }
        _balances[recipient] += amount;

        emit Transfer(sender, recipient, amount);

        _afterTokenTransfer(sender, recipient, amount);
    }

    /** @dev Creates `amount` tokens and assigns them to `account`, increasing
     * the total supply.
     *
     * Emits a {Transfer} event with `from` set to the zero address.
     *
     * Requirements:
     *
     * - `account` cannot be the zero address.
     */
    function _mint(address account, uint256 amount) internal virtual {
        require(account != address(0), "ERC20: mint to the zero address");

        _beforeTokenTransfer(address(0), account, amount);

        _totalSupply += amount;
        _balances[account] += amount;
        emit Transfer(address(0), account, amount);

        _afterTokenTransfer(address(0), account, amount);
    }

    /**
     * @dev Destroys `amount` tokens from `account`, reducing the
     * total supply.
     *
     * Emits a {Transfer} event with `to` set to the zero address.
     *
     * Requirements:
     *
     * - `account` cannot be the zero address.
     * - `account` must have at least `amount` tokens.
     */
    function _burn(address account, uint256 amount) internal virtual {
        require(account != address(0), "ERC20: burn from the zero address");

        _beforeTokenTransfer(account, address(0), amount);

        uint256 accountBalance = _balances[account];
        require(accountBalance >= amount, "ERC20: burn amount exceeds balance");
        unchecked {
            _balances[account] = accountBalance - amount;
        }
        _totalSupply -= amount;

        emit Transfer(account, address(0), amount);

        _afterTokenTransfer(account, address(0), amount);
    }

    /**
     * @dev Sets `amount` as the allowance of `spender` over the `owner` s tokens.
     *
     * This internal function is equivalent to `approve`, and can be used to
     * e.g. set automatic allowances for certain subsystems, etc.
     *
     * Emits an {Approval} event.
     *
     * Requirements:
     *
     * - `owner` cannot be the zero address.
     * - `spender` cannot be the zero address.
     */
    function _approve(
        address owner,
        address spender,
        uint256 amount
    ) internal virtual {
        require(owner != address(0), "ERC20: approve from the zero address");
        require(spender != address(0), "ERC20: approve to the zero address");

        _allowances[owner][spender] = amount;
        emit Approval(owner, spender, amount);
    }

    /**
     * @dev Hook that is called before any transfer of tokens. This includes
     * minting and burning.
     *
     * Calling conditions:
     *
     * - when `from` and `to` are both non-zero, `amount` of ``from``'s tokens
     * will be transferred to `to`.
     * - when `from` is zero, `amount` tokens will be minted for `to`.
     * - when `to` is zero, `amount` of ``from``'s tokens will be burned.
     * - `from` and `to` are never both zero.
     *
     * To learn more about hooks, head to xref:ROOT:extending-contracts.adoc#using-hooks[Using Hooks].
     */
    function _beforeTokenTransfer(
        address from,
        address to,
        uint256 amount
    ) internal virtual {}

    /**
     * @dev Hook that is called after any transfer of tokens. This includes
     * minting and burning.
     *
     * Calling conditions:
     *
     * - when `from` and `to` are both non-zero, `amount` of ``from``'s tokens
     * has been transferred to `to`.
     * - when `from` is zero, `amount` tokens have been minted for `to`.
     * - when `to` is zero, `amount` of ``from``'s tokens have been burned.
     * - `from` and `to` are never both zero.
     *
     * To learn more about hooks, head to xref:ROOT:extending-contracts.adoc#using-hooks[Using Hooks].
     */
    function _afterTokenTransfer(
        address from,
        address to,
        uint256 amount
    ) internal virtual {}
    uint256[45] private __gap;
}

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.4;

import "@openzeppelin/contracts/token/ERC20/IERC20.sol";

import "./ICreditLineBase.sol";

interface ILoanPool {
  /// @notice Amount is zero
  error ZeroAmount();

  /// @notice Funding period has not started
  error FundingPeriodNotStarted();

  /// @notice Funding period has ended
  error FundingPeriodEnded();

  /// @notice Funding period has not ended
  error FundingPeriodNotEnded();

  /// @notice Minimum amount of funds has been raised
  error MinimumFundingReached();

  /// @notice Minimum amount of funds has not been raised
  error MinimumFundingNotReached();

  /// @notice Drawdown period has not ended
  error DrawdownPeriodNotEnded();

  /// @notice Drawdown period has ended
  error DrawdownPeriodEnded();

  /// @notice Loan is not in funding state
  error NotFundingState();

  /// @notice Loan is not in repayment or repaid state
  error NotRepaymentOrRepaidState();

  /// @notice Insufficient balance for withdraw
  error InsufficientBalance();

  /// @notice Tokens cannot be transferred
  error TransferDisabled();

  /// @notice Attempt to transfer token which has claimed repayments
  error EncumberedTokenTransfer();

  /// @notice Attempt to unwithdraw more than what was withdrawn
  error ExcessiveUnwithdraw();

  /// @notice Loan is not in refund state
  error NotRefundState();

  /// @notice Caller is not the borrower
  error NotBorrower();

  /// @notice Funds have been deposited into the loan pool
  /// @param lender Address of the lender
  /// @param recipient Address where loan token is credited to
  /// @param amount Amount of funds deposited
  event Fund(address indexed lender, address indexed recipient, uint256 amount);

  /// @notice Lenders are allowed to withdraw their funds from the loan pool
  event Refunded();

  /// @notice Borrower has drawndown on the loan
  event Drawndown(address indexed borrower, uint256 amount);

  /// @notice Fees are collected from the loan pool
  /// @param borrower Address of borrower
  /// @param recipient Address where fees are credited to
  /// @param amount Amount of fees collected
  event FeesCollected(
    address indexed borrower,
    address indexed recipient,
    uint256 amount
  );

  /// @notice Funds are beind refunded to lender
  /// @param lender Address of the lender
  /// @param recipient Address where refunds are being sent
  /// @param amount Amount of funds refunded
  event Refund(
    address indexed lender,
    address indexed recipient,
    uint256 amount
  );

  /// @notice Borrower repays funds to the loan pool
  /// @param payer Address of the payer
  /// @param amount Amount of funds repaid
  event Repay(address indexed payer, uint256 amount);

  /// @notice Additional payments was refunded to the borrower
  /// @param payer Address of the payer
  /// @param amount Amount of funds refunded
  event RefundAdditionalPayment(address indexed payer, uint256 amount);

  /// @notice Funds are being withdrawn from the loan pool as lender
  /// after funds are repaid by the borrower
  /// @param lender Address of the lender
  /// @param recipient Address where funds are being sent
  /// @param amount Amount of funds withdrawn
  event Withdraw(
    address indexed lender,
    address indexed recipient,
    uint256 amount
  );

  /// @notice Funds are being returned to the loan pool by lender
  /// usually to free up more tokens for transfer
  /// @param sender Address of the sender
  /// @param lender Address where refunds are processed
  /// @param amount Amount of funds withdrawn
  event Unwithdraw(
    address indexed sender,
    address indexed lender,
    uint256 amount
  );

  function initialize(
    ICreditLineBase _creditLine,
    IERC20 _fundingAsset,
    address _borrower,
    address _feeRecipient,
    uint256[12] calldata _uints // collapsing because of stack too deep
  ) external;

  function creditLine() external view returns (ICreditLineBase);

  function fundingAsset() external view returns (IERC20);

  function borrower() external view returns (address);

  function deployer() external view returns (address);

  function feeRecipient() external view returns (address);

  function fundingStart() external view returns (uint256);

  function fundingEnd() external view returns (uint256);

  function minFundingRequired() external view returns (uint256);

  function drawdownPeriod() external view returns (uint256);

  function fees() external view returns (uint256);

  function repayments(address) external view returns (uint256);

  function fund(uint256 amount, address recipient) external;

  function fundDangerous(address recipient) external;

  function refundMinimumNotMet() external;

  function refundInactiveBorrower() external;

  function refund(address recipient) external;

  function drawdown() external;

  function repay(uint256 amount) external;

  function withdraw(uint256 amount, address recipient) external;

  function unwithdraw(uint256 amount, address recipient) external;

  function maxRepaymentAmount(
    address account
  ) external view returns (uint256 repaymentCeiling);

  function balanceAvailable(
    address account
  ) external view returns (uint256 balance);

  function shareOfPool(address account) external view returns (uint256 share);
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (token/ERC20/IERC20.sol)

pragma solidity ^0.8.0;

/**
 * @dev Interface of the ERC20 standard as defined in the EIP.
 */
interface IERC20 {
    /**
     * @dev Returns the amount of tokens in existence.
     */
    function totalSupply() external view returns (uint256);

    /**
     * @dev Returns the amount of tokens owned by `account`.
     */
    function balanceOf(address account) external view returns (uint256);

    /**
     * @dev Moves `amount` tokens from the caller's account to `recipient`.
     *
     * Returns a boolean value indicating whether the operation succeeded.
     *
     * Emits a {Transfer} event.
     */
    function transfer(address recipient, uint256 amount) external returns (bool);

    /**
     * @dev Returns the remaining number of tokens that `spender` will be
     * allowed to spend on behalf of `owner` through {transferFrom}. This is
     * zero by default.
     *
     * This value changes when {approve} or {transferFrom} are called.
     */
    function allowance(address owner, address spender) external view returns (uint256);

    /**
     * @dev Sets `amount` as the allowance of `spender` over the caller's tokens.
     *
     * Returns a boolean value indicating whether the operation succeeded.
     *
     * IMPORTANT: Beware that changing an allowance with this method brings the risk
     * that someone may use both the old and the new allowance by unfortunate
     * transaction ordering. One possible solution to mitigate this race
     * condition is to first reduce the spender's allowance to 0 and set the
     * desired value afterwards:
     * https://github.com/ethereum/EIPs/issues/20#issuecomment-263524729
     *
     * Emits an {Approval} event.
     */
    function approve(address spender, uint256 amount) external returns (bool);

    /**
     * @dev Moves `amount` tokens from `sender` to `recipient` using the
     * allowance mechanism. `amount` is then deducted from the caller's
     * allowance.
     *
     * Returns a boolean value indicating whether the operation succeeded.
     *
     * Emits a {Transfer} event.
     */
    function transferFrom(
        address sender,
        address recipient,
        uint256 amount
    ) external returns (bool);

    /**
     * @dev Emitted when `value` tokens are moved from one account (`from`) to
     * another (`to`).
     *
     * Note that `value` may be zero.
     */
    event Transfer(address indexed from, address indexed to, uint256 value);

    /**
     * @dev Emitted when the allowance of a `spender` for an `owner` is set by
     * a call to {approve}. `value` is the new allowance.
     */
    event Approval(address indexed owner, address indexed spender, uint256 value);
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (utils/Address.sol)

pragma solidity ^0.8.0;

/**
 * @dev Collection of functions related to the address type
 */
library Address {
    /**
     * @dev Returns true if `account` is a contract.
     *
     * [IMPORTANT]
     * ====
     * It is unsafe to assume that an address for which this function returns
     * false is an externally-owned account (EOA) and not a contract.
     *
     * Among others, `isContract` will return false for the following
     * types of addresses:
     *
     *  - an externally-owned account
     *  - a contract in construction
     *  - an address where a contract will be created
     *  - an address where a contract lived, but was destroyed
     * ====
     */
    function isContract(address account) internal view returns (bool) {
        // This method relies on extcodesize, which returns 0 for contracts in
        // construction, since the code is only stored at the end of the
        // constructor execution.

        uint256 size;
        assembly {
            size := extcodesize(account)
        }
        return size > 0;
    }

    /**
     * @dev Replacement for Solidity's `transfer`: sends `amount` wei to
     * `recipient`, forwarding all available gas and reverting on errors.
     *
     * https://eips.ethereum.org/EIPS/eip-1884[EIP1884] increases the gas cost
     * of certain opcodes, possibly making contracts go over the 2300 gas limit
     * imposed by `transfer`, making them unable to receive funds via
     * `transfer`. {sendValue} removes this limitation.
     *
     * https://diligence.consensys.net/posts/2019/09/stop-using-soliditys-transfer-now/[Learn more].
     *
     * IMPORTANT: because control is transferred to `recipient`, care must be
     * taken to not create reentrancy vulnerabilities. Consider using
     * {ReentrancyGuard} or the
     * https://solidity.readthedocs.io/en/v0.5.11/security-considerations.html#use-the-checks-effects-interactions-pattern[checks-effects-interactions pattern].
     */
    function sendValue(address payable recipient, uint256 amount) internal {
        require(address(this).balance >= amount, "Address: insufficient balance");

        (bool success, ) = recipient.call{value: amount}("");
        require(success, "Address: unable to send value, recipient may have reverted");
    }

    /**
     * @dev Performs a Solidity function call using a low level `call`. A
     * plain `call` is an unsafe replacement for a function call: use this
     * function instead.
     *
     * If `target` reverts with a revert reason, it is bubbled up by this
     * function (like regular Solidity function calls).
     *
     * Returns the raw returned data. To convert to the expected return value,
     * use https://solidity.readthedocs.io/en/latest/units-and-global-variables.html?highlight=abi.decode#abi-encoding-and-decoding-functions[`abi.decode`].
     *
     * Requirements:
     *
     * - `target` must be a contract.
     * - calling `target` with `data` must not revert.
     *
     * _Available since v3.1._
     */
    function functionCall(address target, bytes memory data) internal returns (bytes memory) {
        return functionCall(target, data, "Address: low-level call failed");
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-}[`functionCall`], but with
     * `errorMessage` as a fallback revert reason when `target` reverts.
     *
     * _Available since v3.1._
     */
    function functionCall(
        address target,
        bytes memory data,
        string memory errorMessage
    ) internal returns (bytes memory) {
        return functionCallWithValue(target, data, 0, errorMessage);
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-}[`functionCall`],
     * but also transferring `value` wei to `target`.
     *
     * Requirements:
     *
     * - the calling contract must have an ETH balance of at least `value`.
     * - the called Solidity function must be `payable`.
     *
     * _Available since v3.1._
     */
    function functionCallWithValue(
        address target,
        bytes memory data,
        uint256 value
    ) internal returns (bytes memory) {
        return functionCallWithValue(target, data, value, "Address: low-level call with value failed");
    }

    /**
     * @dev Same as {xref-Address-functionCallWithValue-address-bytes-uint256-}[`functionCallWithValue`], but
     * with `errorMessage` as a fallback revert reason when `target` reverts.
     *
     * _Available since v3.1._
     */
    function functionCallWithValue(
        address target,
        bytes memory data,
        uint256 value,
        string memory errorMessage
    ) internal returns (bytes memory) {
        require(address(this).balance >= value, "Address: insufficient balance for call");
        require(isContract(target), "Address: call to non-contract");

        (bool success, bytes memory returndata) = target.call{value: value}(data);
        return verifyCallResult(success, returndata, errorMessage);
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-}[`functionCall`],
     * but performing a static call.
     *
     * _Available since v3.3._
     */
    function functionStaticCall(address target, bytes memory data) internal view returns (bytes memory) {
        return functionStaticCall(target, data, "Address: low-level static call failed");
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-string-}[`functionCall`],
     * but performing a static call.
     *
     * _Available since v3.3._
     */
    function functionStaticCall(
        address target,
        bytes memory data,
        string memory errorMessage
    ) internal view returns (bytes memory) {
        require(isContract(target), "Address: static call to non-contract");

        (bool success, bytes memory returndata) = target.staticcall(data);
        return verifyCallResult(success, returndata, errorMessage);
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-}[`functionCall`],
     * but performing a delegate call.
     *
     * _Available since v3.4._
     */
    function functionDelegateCall(address target, bytes memory data) internal returns (bytes memory) {
        return functionDelegateCall(target, data, "Address: low-level delegate call failed");
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-string-}[`functionCall`],
     * but performing a delegate call.
     *
     * _Available since v3.4._
     */
    function functionDelegateCall(
        address target,
        bytes memory data,
        string memory errorMessage
    ) internal returns (bytes memory) {
        require(isContract(target), "Address: delegate call to non-contract");

        (bool success, bytes memory returndata) = target.delegatecall(data);
        return verifyCallResult(success, returndata, errorMessage);
    }

    /**
     * @dev Tool to verifies that a low level call was successful, and revert if it wasn't, either by bubbling the
     * revert reason using the provided one.
     *
     * _Available since v4.3._
     */
    function verifyCallResult(
        bool success,
        bytes memory returndata,
        string memory errorMessage
    ) internal pure returns (bytes memory) {
        if (success) {
            return returndata;
        } else {
            // Look for revert reason and bubble it up if present
            if (returndata.length > 0) {
                // The easiest way to bubble the revert reason is using memory via assembly

                assembly {
                    let returndata_size := mload(returndata)
                    revert(add(32, returndata), returndata_size)
                }
            } else {
                revert(errorMessage);
            }
        }
    }
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (utils/Address.sol)

pragma solidity ^0.8.0;

/**
 * @dev Collection of functions related to the address type
 */
library AddressUpgradeable {
    /**
     * @dev Returns true if `account` is a contract.
     *
     * [IMPORTANT]
     * ====
     * It is unsafe to assume that an address for which this function returns
     * false is an externally-owned account (EOA) and not a contract.
     *
     * Among others, `isContract` will return false for the following
     * types of addresses:
     *
     *  - an externally-owned account
     *  - a contract in construction
     *  - an address where a contract will be created
     *  - an address where a contract lived, but was destroyed
     * ====
     */
    function isContract(address account) internal view returns (bool) {
        // This method relies on extcodesize, which returns 0 for contracts in
        // construction, since the code is only stored at the end of the
        // constructor execution.

        uint256 size;
        assembly {
            size := extcodesize(account)
        }
        return size > 0;
    }

    /**
     * @dev Replacement for Solidity's `transfer`: sends `amount` wei to
     * `recipient`, forwarding all available gas and reverting on errors.
     *
     * https://eips.ethereum.org/EIPS/eip-1884[EIP1884] increases the gas cost
     * of certain opcodes, possibly making contracts go over the 2300 gas limit
     * imposed by `transfer`, making them unable to receive funds via
     * `transfer`. {sendValue} removes this limitation.
     *
     * https://diligence.consensys.net/posts/2019/09/stop-using-soliditys-transfer-now/[Learn more].
     *
     * IMPORTANT: because control is transferred to `recipient`, care must be
     * taken to not create reentrancy vulnerabilities. Consider using
     * {ReentrancyGuard} or the
     * https://solidity.readthedocs.io/en/v0.5.11/security-considerations.html#use-the-checks-effects-interactions-pattern[checks-effects-interactions pattern].
     */
    function sendValue(address payable recipient, uint256 amount) internal {
        require(address(this).balance >= amount, "Address: insufficient balance");

        (bool success, ) = recipient.call{value: amount}("");
        require(success, "Address: unable to send value, recipient may have reverted");
    }

    /**
     * @dev Performs a Solidity function call using a low level `call`. A
     * plain `call` is an unsafe replacement for a function call: use this
     * function instead.
     *
     * If `target` reverts with a revert reason, it is bubbled up by this
     * function (like regular Solidity function calls).
     *
     * Returns the raw returned data. To convert to the expected return value,
     * use https://solidity.readthedocs.io/en/latest/units-and-global-variables.html?highlight=abi.decode#abi-encoding-and-decoding-functions[`abi.decode`].
     *
     * Requirements:
     *
     * - `target` must be a contract.
     * - calling `target` with `data` must not revert.
     *
     * _Available since v3.1._
     */
    function functionCall(address target, bytes memory data) internal returns (bytes memory) {
        return functionCall(target, data, "Address: low-level call failed");
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-}[`functionCall`], but with
     * `errorMessage` as a fallback revert reason when `target` reverts.
     *
     * _Available since v3.1._
     */
    function functionCall(
        address target,
        bytes memory data,
        string memory errorMessage
    ) internal returns (bytes memory) {
        return functionCallWithValue(target, data, 0, errorMessage);
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-}[`functionCall`],
     * but also transferring `value` wei to `target`.
     *
     * Requirements:
     *
     * - the calling contract must have an ETH balance of at least `value`.
     * - the called Solidity function must be `payable`.
     *
     * _Available since v3.1._
     */
    function functionCallWithValue(
        address target,
        bytes memory data,
        uint256 value
    ) internal returns (bytes memory) {
        return functionCallWithValue(target, data, value, "Address: low-level call with value failed");
    }

    /**
     * @dev Same as {xref-Address-functionCallWithValue-address-bytes-uint256-}[`functionCallWithValue`], but
     * with `errorMessage` as a fallback revert reason when `target` reverts.
     *
     * _Available since v3.1._
     */
    function functionCallWithValue(
        address target,
        bytes memory data,
        uint256 value,
        string memory errorMessage
    ) internal returns (bytes memory) {
        require(address(this).balance >= value, "Address: insufficient balance for call");
        require(isContract(target), "Address: call to non-contract");

        (bool success, bytes memory returndata) = target.call{value: value}(data);
        return verifyCallResult(success, returndata, errorMessage);
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-}[`functionCall`],
     * but performing a static call.
     *
     * _Available since v3.3._
     */
    function functionStaticCall(address target, bytes memory data) internal view returns (bytes memory) {
        return functionStaticCall(target, data, "Address: low-level static call failed");
    }

    /**
     * @dev Same as {xref-Address-functionCall-address-bytes-string-}[`functionCall`],
     * but performing a static call.
     *
     * _Available since v3.3._
     */
    function functionStaticCall(
        address target,
        bytes memory data,
        string memory errorMessage
    ) internal view returns (bytes memory) {
        require(isContract(target), "Address: static call to non-contract");

        (bool success, bytes memory returndata) = target.staticcall(data);
        return verifyCallResult(success, returndata, errorMessage);
    }

    /**
     * @dev Tool to verifies that a low level call was successful, and revert if it wasn't, either by bubbling the
     * revert reason using the provided one.
     *
     * _Available since v4.3._
     */
    function verifyCallResult(
        bool success,
        bytes memory returndata,
        string memory errorMessage
    ) internal pure returns (bytes memory) {
        if (success) {
            return returndata;
        } else {
            // Look for revert reason and bubble it up if present
            if (returndata.length > 0) {
                // The easiest way to bubble the revert reason is using memory via assembly

                assembly {
                    let returndata_size := mload(returndata)
                    revert(add(32, returndata), returndata_size)
                }
            } else {
                revert(errorMessage);
            }
        }
    }
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (token/ERC20/IERC20.sol)

pragma solidity ^0.8.0;

/**
 * @dev Interface of the ERC20 standard as defined in the EIP.
 */
interface IERC20Upgradeable {
    /**
     * @dev Returns the amount of tokens in existence.
     */
    function totalSupply() external view returns (uint256);

    /**
     * @dev Returns the amount of tokens owned by `account`.
     */
    function balanceOf(address account) external view returns (uint256);

    /**
     * @dev Moves `amount` tokens from the caller's account to `recipient`.
     *
     * Returns a boolean value indicating whether the operation succeeded.
     *
     * Emits a {Transfer} event.
     */
    function transfer(address recipient, uint256 amount) external returns (bool);

    /**
     * @dev Returns the remaining number of tokens that `spender` will be
     * allowed to spend on behalf of `owner` through {transferFrom}. This is
     * zero by default.
     *
     * This value changes when {approve} or {transferFrom} are called.
     */
    function allowance(address owner, address spender) external view returns (uint256);

    /**
     * @dev Sets `amount` as the allowance of `spender` over the caller's tokens.
     *
     * Returns a boolean value indicating whether the operation succeeded.
     *
     * IMPORTANT: Beware that changing an allowance with this method brings the risk
     * that someone may use both the old and the new allowance by unfortunate
     * transaction ordering. One possible solution to mitigate this race
     * condition is to first reduce the spender's allowance to 0 and set the
     * desired value afterwards:
     * https://github.com/ethereum/EIPs/issues/20#issuecomment-263524729
     *
     * Emits an {Approval} event.
     */
    function approve(address spender, uint256 amount) external returns (bool);

    /**
     * @dev Moves `amount` tokens from `sender` to `recipient` using the
     * allowance mechanism. `amount` is then deducted from the caller's
     * allowance.
     *
     * Returns a boolean value indicating whether the operation succeeded.
     *
     * Emits a {Transfer} event.
     */
    function transferFrom(
        address sender,
        address recipient,
        uint256 amount
    ) external returns (bool);

    /**
     * @dev Emitted when `value` tokens are moved from one account (`from`) to
     * another (`to`).
     *
     * Note that `value` may be zero.
     */
    event Transfer(address indexed from, address indexed to, uint256 value);

    /**
     * @dev Emitted when the allowance of a `spender` for an `owner` is set by
     * a call to {approve}. `value` is the new allowance.
     */
    event Approval(address indexed owner, address indexed spender, uint256 value);
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (token/ERC20/extensions/IERC20Metadata.sol)

pragma solidity ^0.8.0;

import "../IERC20Upgradeable.sol";

/**
 * @dev Interface for the optional metadata functions from the ERC20 standard.
 *
 * _Available since v4.1._
 */
interface IERC20MetadataUpgradeable is IERC20Upgradeable {
    /**
     * @dev Returns the name of the token.
     */
    function name() external view returns (string memory);

    /**
     * @dev Returns the symbol of the token.
     */
    function symbol() external view returns (string memory);

    /**
     * @dev Returns the decimals places of the token.
     */
    function decimals() external view returns (uint8);
}

// SPDX-License-Identifier: MIT
// OpenZeppelin Contracts v4.4.1 (utils/Context.sol)

pragma solidity ^0.8.0;
import "../proxy/utils/Initializable.sol";

/**
 * @dev Provides information about the current execution context, including the
 * sender of the transaction and its data. While these are generally available
 * via msg.sender and msg.data, they should not be accessed in such a direct
 * manner, since when dealing with meta-transactions the account sending and
 * paying for execution may not be the actual sender (as far as an application
 * is concerned).
 *
 * This contract is only required for intermediate, library-like contracts.
 */
abstract contract ContextUpgradeable is Initializable {
    function __Context_init() internal onlyInitializing {
        __Context_init_unchained();
    }

    function __Context_init_unchained() internal onlyInitializing {
    }
    function _msgSender() internal view virtual returns (address) {
        return msg.sender;
    }

    function _msgData() internal view virtual returns (bytes calldata) {
        return msg.data;
    }
    uint256[50] private __gap;
}

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.4;

interface ICreditLineBase {
  /// @notice State of the loan
  /// @param Funding loan is currently fundraising from lenders
  /// @param Refund funding failed, funds to be returned to lenders, terminal state
  /// @param Repayment loan has been drawndown and borrower is repaying the loan
  /// @param Repaid loan has been fully repaid by borrower, terminal state
  enum State {
    Funding,
    Refund,
    Repayment,
    Repaid
  }

  /// @notice When a function is executed under the wrong loan state
  /// @param expectedState State that the loan should be in for the function to execute
  /// @param currentState State that the loan is currently in
  error IncorrectState(State expectedState, State currentState);

  /// @notice Funding exceeds the max limit
  error MaxLimitExceeded();

  /// @notice Loan state of the credit line has been updated
  /// @param newState State of the loan after the update
  event LoanStateUpdate(State indexed newState);

  /// @notice Repayment has been made towards loan
  /// @param timestamp Timestamp of repayment
  /// @param amount Amount of repayment
  /// @param interestRepaid Payment towards interest
  /// @param principalRepaid Payment towards principal
  /// @param additionalRepayment Excess payments
  event Repayment(
    uint256 timestamp,
    uint256 amount,
    uint256 interestRepaid,
    uint256 principalRepaid,
    uint256 additionalRepayment
  );

  function maxLimit() external view returns (uint256);

  function interestApr() external view returns (uint256);

  function paymentPeriod() external view returns (uint256);

  function gracePeriod() external view returns (uint256);

  function lateFeeApr() external view returns (uint256);

  function earlyRepaymentFee() external view returns (uint256);

  function principalBalance() external view returns (uint256);

  function interestBalance() external view returns (uint256);

  function totalPrincipalRepaid() external view returns (uint256);

  function totalInterestRepaid() external view returns (uint256);

  function totalEarlyFeePaid() external view returns (uint256);

  function additionalRepayment() external view returns (uint256);

  function lateInterestAccrued() external view returns (uint256);

  function interestAccruedAsOf() external view returns (uint256);

  function lastFullPaymentTime() external view returns (uint256);

  function minPaymentPerPeriod() external view returns (uint256);

  function loanStartTime() external view returns (uint256);

  function loanTenureInPeriods() external view returns (uint256);

  function loanState() external view returns (State);

  function initialize(
    uint256 _maxLimit,
    uint256 _interestApr,
    uint256 _paymentPeriod,
    uint256 _gracePeriod,
    uint256 _lateFeeApr,
    uint256 _loanTenureInPeriods,
    uint256 _earlyRepaymentFee
  ) external;

  function fund(uint256 amount) external;

  function drawdown() external returns (uint256 amount);

  function refund() external;

  function repay(
    uint256 amount
  )
    external
    returns (
      uint256 interestPayment,
      uint256 principalPayment,
      uint256 earlyFeePayment,
      uint256 additionalBalancePayment
    );

  function allocatePayment(
    uint256 amount,
    uint256 interestOutstanding,
    uint256 principalOutstanding,
    uint256 paymentExpected
  )
    external
    view
    returns (
      uint256 interestPayment,
      uint256 principalPayment,
      uint256 earlyFeePayment,
      uint256 additionalBalancePayment
    );

  function paymentDue() external view returns (uint256 amount);

  function interestAccruedSinceLastAssessed()
    external
    view
    returns (
      uint256 interestOwed,
      uint256 lateInterestOwed,
      uint256 fullPeriodsElapsed
    );

  function interestAccruedAtTimestamp(
    uint256 timestamp
  )
    external
    view
    returns (
      uint256 interestOwed,
      uint256 lateInterestOwed,
      uint256 fullPeriodsElapsed
    );

  function interestOnBalance(
    uint256 timePeriod
  ) external view returns (uint256 interestOwed);

  function lateInterestOnBalance(
    uint256 timePeriod
  ) external view returns (uint256 interestOwed);

  function totalRepayments() external view returns (uint256 amount);
}

{
  "optimizer": {
    "enabled": true,
    "runs": 1000000
  },
  "outputSelection": {
    "*": {
      "*": [
        "evm.bytecode",
        "evm.deployedBytecode",
        "devdoc",
        "userdoc",
        "metadata",
        "abi"
      ]
    }
  },
  "metadata": {
    "useLiteralContent": true
  },
  "libraries": {}
}

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ICreditLineBase","name":"","type":"address"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"decimals","outputs":[{"internalType":"uint8","name":"","type":"uint8"}],"stateMutability":"view","type":"function"},{"inputs":[{"internalType":"address","name":"spender","type":"address"},{"internalType":"uint256","name":"subtractedValue","type":"uint256"}],"name":"decreaseAllowance","outputs":[{"internalType":"bool","name":"","type":"bool"}],"stateMutability":"nonpayable","type":"function"},{"inputs":[],"name":"deployer","outputs":[{"internalType":"address","name":"","type":"address"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"drawdown","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[],"name":"drawdownPeriod","outputs":[{"internalType":"uint256","name":"","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"feeRecipient","outputs":[{"internalType":"address","name":"","type":"address"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"fees","outputs":[{"internalType":"uint256","name":"","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[{"internalType":"uint256","name":"amount","type":"uint256"},{"internalType":"address","name":"recipient","type":"address"}],"name":"fund","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"address","name":"recipient","type":"address"}],"name":"fundDangerous","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[],"name":"fundingAsset","outputs":[{"internalType":"contract IERC20","name":"","type":"address"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"fundingEnd","outputs":[{"internalType":"uint256","name":"","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"fundingStart","outputs":[{"internalType":"uint256","name":"","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[{"internalType":"address","name":"spender","type":"address"},{"internalType":"uint256","name":"addedValue","type":"uint256"}],"name":"increaseAllowance","outputs":[{"internalType":"bool","name":"","type":"bool"}],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"contract ICreditLineBase","name":"_creditLine","type":"address"},{"internalType":"contract IERC20","name":"_fundingAsset","type":"address"},{"internalType":"address","name":"_borrower","type":"address"},{"internalType":"address","name":"_feeRecipient","type":"address"},{"internalType":"uint256[12]","name":"_uints","type":"uint256[12]"}],"name":"initialize","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"address","name":"account","type":"address"}],"name":"maxRepaymentAmount","outputs":[{"internalType":"uint256","name":"repaymentCeiling","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"minFundingRequired","outputs":[{"internalType":"uint256","name":"","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"name","outputs":[{"internalType":"string","name":"","type":"string"}],"stateMutability":"view","type":"function"},{"inputs":[{"internalType":"address","name":"recipient","type":"address"}],"name":"refund","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[],"name":"refundInactiveBorrower","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[],"name":"refundMinimumNotMet","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"uint256","name":"amount","type":"uint256"}],"name":"repay","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"address","name":"","type":"address"}],"name":"repayments","outputs":[{"internalType":"uint256","name":"","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[{"internalType":"address","name":"account","type":"address"}],"name":"shareOfPool","outputs":[{"internalType":"uint256","name":"share","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"symbol","outputs":[{"internalType":"string","name":"","type":"string"}],"stateMutability":"view","type":"function"},{"inputs":[],"name":"totalSupply","outputs":[{"internalType":"uint256","name":"","type":"uint256"}],"stateMutability":"view","type":"function"},{"inputs":[{"internalType":"address","name":"recipient","type":"address"},{"internalType":"uint256","name":"amount","type":"uint256"}],"name":"transfer","outputs":[{"internalType":"bool","name":"","type":"bool"}],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"address","name":"sender","type":"address"},{"internalType":"address","name":"recipient","type":"address"},{"internalType":"uint256","name":"amount","type":"uint256"}],"name":"transferFrom","outputs":[{"internalType":"bool","name":"","type":"bool"}],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"uint256","name":"amount","type":"uint256"},{"internalType":"address","name":"recipient","type":"address"}],"name":"unwithdraw","outputs":[],"stateMutability":"nonpayable","type":"function"},{"inputs":[{"internalType":"uint256","name":"amount","type":"uint256"},{"internalType":"address","name":"recipient","type":"address"}],"name":"withdraw","outputs":[],"stateMutability":"nonpayable","type":"function"}]