Invoice-factoring advance & APR calculator API

Factoring math: advance = invoiceAmount × advanceRate, fee = invoiceAmount × feeRate × (termDays/30), netProceeds = advance − fee, and the effective APR = (fee/advance)×(365/termDays). Answers 'how much cash from factoring this invoice', 'what's the true APR of factoring', 'net proceeds after factoring fees'.

Price$0.016per request

MethodPOST

Route/v1/score/litfin-invoice-factoring

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreinvoice-factoringreceivablesaprworking-capitaladvancealt-financelending

API URLhttps://x402.hexl.dev/v1/score/litfin-invoice-factoring

Integration docs

Example request

{
  "invoiceAmount": 100000,
  "advanceRate": 0.85,
  "feeRate": 0.025,
  "termDays": 45
}

Example response

{
  "advance": 85000,
  "fee": 3750,
  "netProceeds": 81250,
  "effectiveAPR": 0.3578,
  "effectiveAPRPercent": 35.78,
  "method": "advance=invoice×advanceRate; fee=invoice×feeRate×(termDays/30); APR=(fee/advance)×(365/termDays)"
}

Input schema

{
  "type": "object",
  "required": [
    "invoiceAmount",
    "advanceRate",
    "feeRate",
    "termDays"
  ],
  "properties": {
    "invoiceAmount": {
      "type": "number",
      "examples": [
        100000
      ]
    },
    "advanceRate": {
      "type": "number",
      "description": "0-1",
      "examples": [
        0.85
      ]
    },
    "feeRate": {
      "type": "number",
      "description": "0-1 fee per 30 days",
      "examples": [
        0.025
      ]
    },
    "termDays": {
      "type": "number",
      "examples": [
        45
      ]
    }
  }
}

Output schema

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