IP-backed loan sizing & collateral score API

Sizes a max loan (appraisedIpValue × advanceRate/LTV) and scores collateral quality with a weighted rubric (0-100) over defensibility 35%, revenueContribution 30%, remainingLife 20%, transferability 15%, returning an A-F grade and a per-factor breakdown. Answers 'how much can we lend against this IP', 'what's the collateral quality of this patent', 'score this IP-backed loan'.

Price$0.016per request

MethodPOST

Route/v1/score/litfin-ip-backed-loan

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreip-financepatentcollateralltvintangiblesrubriclending

API URLhttps://x402.hexl.dev/v1/score/litfin-ip-backed-loan

Integration docs

Example request

{
  "appraisedIpValue": 20000000,
  "advanceRate": 0.5,
  "defensibility": 0.8,
  "revenueContribution": 0.7,
  "remainingLife": 0.6,
  "transferability": 0.65
}

Example response

{
  "score": 70.75,
  "rating": "C",
  "maxLoan": 10000000,
  "advanceRate": 0.5,
  "collateralQuality": "high",
  "breakdown": [
    {
      "name": "defensibility",
      "value": 0.8,
      "weight": 0.35,
      "contribution": 28
    },
    {
      "name": "revenueContribution",
      "value": 0.7,
      "weight": 0.3,
      "contribution": 21
    },
    {
      "name": "remainingLife",
      "value": 0.6,
      "weight": 0.2,
      "contribution": 12
    },
    {
      "name": "transferability",
      "value": 0.65,
      "weight": 0.15,
      "contribution": 9.75
    }
  ],
  "method": "maxLoan=value×advanceRate; rubric: defensibility 35%, revenue 30%, life 20%, transferability 15%"
}

Input schema

{
  "type": "object",
  "required": [
    "appraisedIpValue",
    "advanceRate",
    "defensibility",
    "revenueContribution",
    "remainingLife",
    "transferability"
  ],
  "properties": {
    "appraisedIpValue": {
      "type": "number",
      "examples": [
        20000000
      ]
    },
    "advanceRate": {
      "type": "number",
      "description": "0-1 LTV",
      "examples": [
        0.5
      ]
    },
    "defensibility": {
      "type": "number",
      "description": "0-1",
      "examples": [
        0.8
      ]
    },
    "revenueContribution": {
      "type": "number",
      "examples": [
        0.7
      ]
    },
    "remainingLife": {
      "type": "number",
      "examples": [
        0.6
      ]
    },
    "transferability": {
      "type": "number",
      "examples": [
        0.65
      ]
    }
  }
}

Output schema

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