Equipment-finance / leasing score API

Computes LTV = loanAmount/equipmentValue and the monthly payment via the standard annuity formula P·r/(1−(1+r)^−n) (r = annualRate/12), then a weighted rubric (0-100) over ltvHeadroom 30%, residualStrength 25%, assetLiquidity 20%, lesseeCredit 25%. Answers 'what's the lease payment', 'is this equipment loan well-collateralized', 'score this equipment-finance deal'.

Price$0.016per request

MethodPOST

Route/v1/score/litfin-equipment-finance

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreequipment-financeleasingltvannuityasset-backedrubriclending

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

Integration docs

Example request

{
  "equipmentValue": 500000,
  "loanAmount": 400000,
  "annualRate": 0.09,
  "termMonths": 60,
  "residualStrength": 0.7,
  "assetLiquidity": 0.6,
  "lesseeCredit": 0.75
}

Example response

{
  "score": 68.25,
  "rating": "D",
  "ltv": 0.8,
  "monthlyPayment": 8303.34,
  "riskTier": "moderate",
  "breakdown": [
    {
      "name": "ltvHeadroom",
      "value": 0.6667,
      "weight": 0.3,
      "contribution": 20
    },
    {
      "name": "residualStrength",
      "value": 0.7,
      "weight": 0.25,
      "contribution": 17.5
    },
    {
      "name": "assetLiquidity",
      "value": 0.6,
      "weight": 0.2,
      "contribution": 12
    },
    {
      "name": "lesseeCredit",
      "value": 0.75,
      "weight": 0.25,
      "contribution": 18.75
    }
  ],
  "method": "LTV=loan/value; payment=P·r/(1−(1+r)^−n) (r=annual/12); rubric: LTV 30%, residual 25%, liquidity 20%, credit 25%"
}

Input schema

{
  "type": "object",
  "required": [
    "equipmentValue",
    "loanAmount",
    "annualRate",
    "termMonths",
    "residualStrength",
    "assetLiquidity",
    "lesseeCredit"
  ],
  "properties": {
    "equipmentValue": {
      "type": "number",
      "examples": [
        500000
      ]
    },
    "loanAmount": {
      "type": "number",
      "examples": [
        400000
      ]
    },
    "annualRate": {
      "type": "number",
      "description": "decimal annual rate",
      "examples": [
        0.09
      ]
    },
    "termMonths": {
      "type": "number",
      "examples": [
        60
      ]
    },
    "residualStrength": {
      "type": "number",
      "description": "0-1",
      "examples": [
        0.7
      ]
    },
    "assetLiquidity": {
      "type": "number",
      "examples": [
        0.6
      ]
    },
    "lesseeCredit": {
      "type": "number",
      "examples": [
        0.75
      ]
    }
  }
}

Output schema

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