Supply-chain finance early-payment calculator API

Reverse-factoring math: discount = invoiceAmount × discountRate × (daysEarly/360), earlyPayment = invoiceAmount − discount, and the supplier's effective APR = (discount/earlyPayment)×(360/daysEarly). Answers 'what's the early-payment discount', 'is taking early payment worth it', 'what's the implied APR of supply-chain finance'.

Price$0.016per request

MethodPOST

Route/v1/score/litfin-supply-chain-finance

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoresupply-chain-financereverse-factoringearly-paymentaprworking-capitaldiscountlending

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

Integration docs

Example request

{
  "invoiceAmount": 250000,
  "discountRate": 0.06,
  "daysEarly": 60
}

Example response

{
  "discount": 2500,
  "earlyPayment": 247500,
  "effectiveAPR": 0.0606,
  "effectiveAPRPercent": 6.06,
  "method": "discount=invoice×rate×(daysEarly/360); earlyPayment=invoice−discount; APR=(discount/earlyPayment)×(360/daysEarly)"
}

Input schema

{
  "type": "object",
  "required": [
    "invoiceAmount",
    "discountRate",
    "daysEarly"
  ],
  "properties": {
    "invoiceAmount": {
      "type": "number",
      "examples": [
        250000
      ]
    },
    "discountRate": {
      "type": "number",
      "description": "0-1 annualized discount rate",
      "examples": [
        0.06
      ]
    },
    "daysEarly": {
      "type": "number",
      "description": "days paid early",
      "examples": [
        60
      ]
    }
  }
}

Output schema

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