Invoice-factoring eligibility score & advance API

Invoice-factoring eligibility/quality score (0-100, higher = better) via a transparent weighted rubric — debtorCreditQuality 0.35, invoiceVerification 0.20, concentrationDiversification 0.15, agingFreshness 0.15, disputeHistoryClean 0.15 — PLUS the canonical factoring math (advance = invoice*advanceRate, fee = invoice*feeRate, reserveRebate = invoice-advance-fee). Returns a quality bucket, an A-F grade, and a per-factor breakdown. Answers 'how much will I get for this invoice','is this receivable factorable'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-invoice-factoring

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoreinvoice-factoringadvance-ratereceivablesworking-capitaleligibilityrubriclending

API URLhttps://x402.hexl.dev/v1/score/tradefin-invoice-factoring

Integration docs

Example request

{
  "invoiceAmount": 100000,
  "advanceRate": 0.85,
  "factorFeeRate": 0.025,
  "debtorCreditQuality": 0.8,
  "invoiceVerification": 0.9,
  "concentrationDiversification": 0.6,
  "agingFreshness": 0.85,
  "disputeHistoryClean": 0.9
}

Example response

{
  "eligibilityScore": 81.25,
  "rating": "strong",
  "grade": "B",
  "advanceAmount": 85000,
  "factorFee": 2500,
  "reserveRebate": 12500,
  "breakdown": [
    {
      "factor": "debtorCreditQuality",
      "value": 0.8,
      "weight": 0.35,
      "contribution": 28
    },
    {
      "factor": "invoiceVerification",
      "value": 0.9,
      "weight": 0.2,
      "contribution": 18
    },
    {
      "factor": "concentrationDiversification",
      "value": 0.6,
      "weight": 0.15,
      "contribution": 9
    },
    {
      "factor": "agingFreshness",
      "value": 0.85,
      "weight": 0.15,
      "contribution": 12.75
    },
    {
      "factor": "disputeHistoryClean",
      "value": 0.9,
      "weight": 0.15,
      "contribution": 13.5
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "invoiceAmount",
    "advanceRate",
    "factorFeeRate",
    "debtorCreditQuality",
    "invoiceVerification",
    "concentrationDiversification",
    "agingFreshness",
    "disputeHistoryClean"
  ],
  "properties": {
    "invoiceAmount": {
      "type": "number",
      "examples": [
        100000
      ]
    },
    "advanceRate": {
      "type": "number",
      "description": "0-1, e.g. 0.85",
      "examples": [
        0.85
      ]
    },
    "factorFeeRate": {
      "type": "number",
      "description": "fee as decimal of face",
      "examples": [
        0.025
      ]
    },
    "debtorCreditQuality": {
      "type": "number",
      "examples": [
        0.8
      ]
    },
    "invoiceVerification": {
      "type": "number",
      "examples": [
        0.9
      ]
    },
    "concentrationDiversification": {
      "type": "number",
      "examples": [
        0.6
      ]
    },
    "agingFreshness": {
      "type": "number",
      "examples": [
        0.85
      ]
    },
    "disputeHistoryClean": {
      "type": "number",
      "examples": [
        0.9
      ]
    }
  }
}

Output schema

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