Bridge-loan risk score API

Bridge-loan RISK score (0-100, higher = riskier) driven by the canonical LTV = loanAmount/propertyValue (mapped 0.5->0, 0.9->1) plus a transparent weighted rubric — ltvRisk 0.35, exitCertaintyWeakness 0.25 (inverted), tenorRisk 0.20, propertyLiquidityRisk 0.20 (inverted marketability) — returning the echoed LTV, a risk bucket, an A-F grade, and a per-factor breakdown. Answers 'how risky is this bridge loan','score this short-term property loan'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-bridge-loan

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorebridge-loanltvriskreal-estateshort-termrubriclending

API URLhttps://x402.hexl.dev/v1/score/tradefin-bridge-loan

Integration docs

Example request

{
  "loanAmount": 700000,
  "propertyValue": 1000000,
  "exitCertainty": 0.7,
  "tenorRisk": 0.5,
  "marketability": 0.65
}

Example response

{
  "riskScore": 42,
  "ltv": 0.7,
  "rating": "moderate",
  "grade": "F",
  "breakdown": [
    {
      "factor": "ltvRisk",
      "value": 0.5,
      "weight": 0.35,
      "contribution": 17.5
    },
    {
      "factor": "exitCertaintyWeakness",
      "value": 0.3,
      "weight": 0.25,
      "contribution": 7.5
    },
    {
      "factor": "tenorRisk",
      "value": 0.5,
      "weight": 0.2,
      "contribution": 10
    },
    {
      "factor": "propertyLiquidityRisk",
      "value": 0.35,
      "weight": 0.2,
      "contribution": 7
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "loanAmount",
    "propertyValue",
    "exitCertainty",
    "tenorRisk",
    "marketability"
  ],
  "properties": {
    "loanAmount": {
      "type": "number",
      "description": "requested loan in currency units",
      "examples": [
        700000
      ]
    },
    "propertyValue": {
      "type": "number",
      "examples": [
        1000000
      ]
    },
    "exitCertainty": {
      "type": "number",
      "description": "0-1, refi/sale certainty",
      "examples": [
        0.7
      ]
    },
    "tenorRisk": {
      "type": "number",
      "examples": [
        0.5
      ]
    },
    "marketability": {
      "type": "number",
      "description": "0-1 property liquidity",
      "examples": [
        0.65
      ]
    }
  }
}

Output schema

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