Art-backed lending calculator API

Computes a quality-adjusted advance rate = baseAdvanceRate × (0.6 + 0.4·(0.4·provenance + 0.4·artistLiquidity + 0.2·condition)) and maxLoan = lowEstimate × advanceRate, mirroring how auction houses lend 40-50% of the low estimate. Answers 'how much can I borrow against this painting', 'what advance rate for this artwork', 'value an art-backed loan'.

Price$0.016per request

MethodPOST

Route/v1/score/litfin-art-finance

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreart-financecollateraladvance-ratelendingauctionalt-financeluxury

API URLhttps://x402.hexl.dev/v1/score/litfin-art-finance

Integration docs

Example request

{
  "lowEstimate": 5000000,
  "baseAdvanceRate": 0.5,
  "provenance": 0.9,
  "artistLiquidity": 0.8,
  "condition": 0.85
}

Example response

{
  "maxLoan": 2350000,
  "advanceRate": 0.47,
  "advanceRatePercent": 47,
  "qualityMultiplier": 0.94,
  "liquidityTier": "high",
  "method": "advanceRate=base×(0.6+0.4·(0.4·provenance+0.4·liquidity+0.2·condition)); maxLoan=lowEstimate×advanceRate"
}

Input schema

{
  "type": "object",
  "required": [
    "lowEstimate",
    "provenance",
    "artistLiquidity",
    "condition"
  ],
  "properties": {
    "lowEstimate": {
      "type": "number",
      "description": "auction low estimate",
      "examples": [
        5000000
      ]
    },
    "baseAdvanceRate": {
      "type": "number",
      "description": "0-1, default 0.5",
      "examples": [
        0.5
      ]
    },
    "provenance": {
      "type": "number",
      "description": "0-1",
      "examples": [
        0.9
      ]
    },
    "artistLiquidity": {
      "type": "number",
      "examples": [
        0.8
      ]
    },
    "condition": {
      "type": "number",
      "examples": [
        0.85
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}