Asset-based-lending borrowing base & score API

Asset-based-lending facility score (0-100, higher = better) PLUS the canonical borrowing base = eligibleAR*arAdvanceRate + eligibleInventory*invAdvanceRate and coverageRatio = base/requestedFacility. Transparent rubric — collateralCoverage 0.30, arQuality 0.25, inventoryQuality 0.20, dilutionControl 0.15, fieldExamFreshness 0.10 — returns a quality bucket, an A-F grade, the borrowing base, the coverage ratio, and a per-factor breakdown. Answers 'what's my borrowing base','how much ABL can this collateral support'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-asset-based-lending

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreasset-based-lendingborrowing-baseabladvance-ratecollateralrubricworking-capital

API URLhttps://x402.hexl.dev/v1/score/tradefin-asset-based-lending

Integration docs

Example request

{
  "eligibleAR": 2000000,
  "eligibleInventory": 1500000,
  "arAdvanceRate": 0.85,
  "invAdvanceRate": 0.5,
  "requestedFacility": 2000000,
  "arQuality": 0.8,
  "inventoryQuality": 0.7,
  "dilutionControl": 0.85,
  "fieldExamFreshness": 0.9
}

Example response

{
  "facilityScore": 85.75,
  "rating": "excellent",
  "grade": "B",
  "borrowingBase": 2450000,
  "coverageRatio": 1.225,
  "breakdown": [
    {
      "factor": "collateralCoverage",
      "value": 1,
      "weight": 0.3,
      "contribution": 30
    },
    {
      "factor": "arQuality",
      "value": 0.8,
      "weight": 0.25,
      "contribution": 20
    },
    {
      "factor": "inventoryQuality",
      "value": 0.7,
      "weight": 0.2,
      "contribution": 14
    },
    {
      "factor": "dilutionControl",
      "value": 0.85,
      "weight": 0.15,
      "contribution": 12.75
    },
    {
      "factor": "fieldExamFreshness",
      "value": 0.9,
      "weight": 0.1,
      "contribution": 9
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "eligibleAR",
    "eligibleInventory",
    "arAdvanceRate",
    "invAdvanceRate",
    "requestedFacility",
    "arQuality",
    "inventoryQuality",
    "dilutionControl",
    "fieldExamFreshness"
  ],
  "properties": {
    "eligibleAR": {
      "type": "number",
      "examples": [
        2000000
      ]
    },
    "eligibleInventory": {
      "type": "number",
      "examples": [
        1500000
      ]
    },
    "arAdvanceRate": {
      "type": "number",
      "description": "0-1, e.g. 0.85",
      "examples": [
        0.85
      ]
    },
    "invAdvanceRate": {
      "type": "number",
      "examples": [
        0.5
      ]
    },
    "requestedFacility": {
      "type": "number",
      "examples": [
        2000000
      ]
    },
    "arQuality": {
      "type": "number",
      "examples": [
        0.8
      ]
    },
    "inventoryQuality": {
      "type": "number",
      "examples": [
        0.7
      ]
    },
    "dilutionControl": {
      "type": "number",
      "examples": [
        0.85
      ]
    },
    "fieldExamFreshness": {
      "type": "number",
      "examples": [
        0.9
      ]
    }
  }
}

Output schema

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