Venture-debt capacity & risk score API

Sizes a recommended facility (ARR × revenueMultiple) and scores lender-friendliness with a weighted rubric (0-100) over arrScale 30%, growth 30%, runway 25%, grossMargin 15%, returning a low/moderate/high tier and a per-factor breakdown. Answers 'how much venture debt can we raise', 'is this startup creditworthy', 'size a venture-debt facility'.

Price$0.016per request

MethodPOST

Route/v1/score/litfin-venture-debt

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreventure-debtstartupcreditarrsaasrubriclending

API URLhttps://x402.hexl.dev/v1/score/litfin-venture-debt

Integration docs

Example request

{
  "arr": 20000000,
  "growthRate": 0.6,
  "runwayMonths": 14,
  "grossMargin": 0.75,
  "revenueMultiple": 0.35
}

Example response

{
  "score": 76.07,
  "rating": "high",
  "recommendedFacility": 7000000,
  "revenueMultiple": 0.35,
  "breakdown": [
    {
      "name": "arrScale",
      "value": 0.9126,
      "weight": 0.3,
      "contribution": 27.38
    },
    {
      "name": "growth",
      "value": 0.6,
      "weight": 0.3,
      "contribution": 18
    },
    {
      "name": "runway",
      "value": 0.7778,
      "weight": 0.25,
      "contribution": 19.44
    },
    {
      "name": "grossMargin",
      "value": 0.75,
      "weight": 0.15,
      "contribution": 11.25
    }
  ],
  "method": "facility=ARR×revenueMultiple; rubric: scale 30%, growth 30%, runway 25%, margin 15%"
}

Input schema

{
  "type": "object",
  "required": [
    "arr",
    "growthRate",
    "runwayMonths",
    "grossMargin"
  ],
  "properties": {
    "arr": {
      "type": "number",
      "description": "annual recurring revenue",
      "examples": [
        20000000
      ]
    },
    "growthRate": {
      "type": "number",
      "description": "decimal YoY growth",
      "examples": [
        0.6
      ]
    },
    "runwayMonths": {
      "type": "number",
      "examples": [
        14
      ]
    },
    "grossMargin": {
      "type": "number",
      "description": "0-1",
      "examples": [
        0.75
      ]
    },
    "revenueMultiple": {
      "type": "number",
      "description": "facility as a multiple of ARR (default 0.3)",
      "examples": [
        0.35
      ]
    }
  }
}

Output schema

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