Equipment-leasing credit score & payment API

Equipment-leasing credit score (0-100, higher = better) via a transparent weighted rubric — lesseeCreditStrength 0.30, assetResaleValue 0.25 (residual/cost), essentialUse 0.20, termVsUsefulLife 0.15, downPaymentCushion 0.10 — PLUS the canonical annuity lease payment PMT = (cost - residual/(1+i)^n)*i/(1-(1+i)^-n) where i = annualRate/12. Returns a quality bucket, an A-F grade, the monthly payment, and a per-factor breakdown. Answers 'what's the monthly lease payment','approve this equipment lease'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-equipment-leasing

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreequipment-leasingannuitycreditlease-paymentasset-financerubricpmt

API URLhttps://x402.hexl.dev/v1/score/tradefin-equipment-leasing

Integration docs

Example request

{
  "equipmentCost": 100000,
  "residualValue": 20000,
  "annualRate": 0.08,
  "termMonths": 48,
  "lesseeCreditStrength": 0.8,
  "essentialUse": 0.9,
  "termVsUsefulLife": 0.7,
  "downPaymentCushion": 0.5
}

Example response

{
  "creditScore": 62.5,
  "rating": "adequate",
  "grade": "D",
  "monthlyPayment": 2086.37,
  "breakdown": [
    {
      "factor": "lesseeCreditStrength",
      "value": 0.8,
      "weight": 0.3,
      "contribution": 24
    },
    {
      "factor": "assetResaleValue",
      "value": 0.2,
      "weight": 0.25,
      "contribution": 5
    },
    {
      "factor": "essentialUse",
      "value": 0.9,
      "weight": 0.2,
      "contribution": 18
    },
    {
      "factor": "termVsUsefulLife",
      "value": 0.7,
      "weight": 0.15,
      "contribution": 10.5
    },
    {
      "factor": "downPaymentCushion",
      "value": 0.5,
      "weight": 0.1,
      "contribution": 5
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "equipmentCost",
    "residualValue",
    "annualRate",
    "termMonths",
    "lesseeCreditStrength",
    "essentialUse",
    "termVsUsefulLife",
    "downPaymentCushion"
  ],
  "properties": {
    "equipmentCost": {
      "type": "number",
      "examples": [
        100000
      ]
    },
    "residualValue": {
      "type": "number",
      "examples": [
        20000
      ]
    },
    "annualRate": {
      "type": "number",
      "description": "annual rate as decimal, e.g. 0.08",
      "examples": [
        0.08
      ]
    },
    "termMonths": {
      "type": "number",
      "examples": [
        48
      ]
    },
    "lesseeCreditStrength": {
      "type": "number",
      "examples": [
        0.8
      ]
    },
    "essentialUse": {
      "type": "number",
      "examples": [
        0.9
      ]
    },
    "termVsUsefulLife": {
      "type": "number",
      "examples": [
        0.7
      ]
    },
    "downPaymentCushion": {
      "type": "number",
      "examples": [
        0.5
      ]
    }
  }
}

Output schema

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