Construction-loan risk score API

Construction-loan RISK score (0-100, higher = riskier) driven by the canonical loan-to-cost = loanAmount/totalProjectCost (mapped 0.6->0, 0.9->1) plus a transparent rubric — ltcRisk 0.30, completionRisk 0.25, budgetContingencyThinness 0.20 (inverted), borrowerExperienceWeakness 0.15 (inverted), preLeasingWeakness 0.10 (inverted) — returning the echoed LTC, a risk bucket, an A-F grade, and a per-factor breakdown. Answers 'how risky is this construction loan','score this development financing'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-construction-loan

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreconstruction-loanltcloan-to-costriskreal-estaterubricdevelopment

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

Integration docs

Example request

{
  "loanAmount": 7500000,
  "totalProjectCost": 10000000,
  "completionRisk": 0.4,
  "budgetContingency": 0.6,
  "borrowerExperience": 0.75,
  "preLeasing": 0.5
}

Example response

{
  "riskScore": 41.75,
  "loanToCost": 0.75,
  "rating": "moderate",
  "grade": "F",
  "breakdown": [
    {
      "factor": "ltcRisk",
      "value": 0.5,
      "weight": 0.3,
      "contribution": 15
    },
    {
      "factor": "completionRisk",
      "value": 0.4,
      "weight": 0.25,
      "contribution": 10
    },
    {
      "factor": "budgetContingencyThinness",
      "value": 0.4,
      "weight": 0.2,
      "contribution": 8
    },
    {
      "factor": "borrowerExperienceWeakness",
      "value": 0.25,
      "weight": 0.15,
      "contribution": 3.75
    },
    {
      "factor": "preLeasingWeakness",
      "value": 0.5,
      "weight": 0.1,
      "contribution": 5
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "loanAmount",
    "totalProjectCost",
    "completionRisk",
    "budgetContingency",
    "borrowerExperience",
    "preLeasing"
  ],
  "properties": {
    "loanAmount": {
      "type": "number",
      "examples": [
        7500000
      ]
    },
    "totalProjectCost": {
      "type": "number",
      "examples": [
        10000000
      ]
    },
    "completionRisk": {
      "type": "number",
      "description": "0-1 higher=worse",
      "examples": [
        0.4
      ]
    },
    "budgetContingency": {
      "type": "number",
      "description": "0-1 cushion, higher=better",
      "examples": [
        0.6
      ]
    },
    "borrowerExperience": {
      "type": "number",
      "examples": [
        0.75
      ]
    },
    "preLeasing": {
      "type": "number",
      "examples": [
        0.5
      ]
    }
  }
}

Output schema

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