Merchant cash advance risk & APR API

Merchant-cash-advance RISK score (0-100, higher = riskier) PLUS the canonical factor-rate math: paybackAmount = advance*factorRate and estimatedApr = (factorRate-1)/(estimatedTermDays/365). Transparent rubric — factorRateBurden 0.30 (from factor rate), holdbackBurden 0.25, revenueVolatility 0.20, stackingRisk 0.15, industryRisk 0.10 — returns a risk bucket, an A-F grade, payback, estimated APR, and a per-factor breakdown. Answers 'what's the real APR of this MCA','how risky is this cash advance'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-merchant-cash-advance

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoremerchant-cash-advancemcafactor-rateaprriskrubricsmall-business

API URLhttps://x402.hexl.dev/v1/score/tradefin-merchant-cash-advance

Integration docs

Example request

{
  "advance": 100000,
  "factorRate": 1.35,
  "estimatedTermDays": 180,
  "holdbackBurden": 0.6,
  "revenueVolatility": 0.5,
  "stackingRisk": 0.4,
  "industryRisk": 0.5
}

Example response

{
  "riskScore": 54.75,
  "rating": "high",
  "grade": "F",
  "paybackAmount": 135000,
  "estimatedApr": 0.7097,
  "estimatedAprPercent": 70.97,
  "breakdown": [
    {
      "factor": "factorRateBurden",
      "value": 0.625,
      "weight": 0.3,
      "contribution": 18.75
    },
    {
      "factor": "holdbackBurden",
      "value": 0.6,
      "weight": 0.25,
      "contribution": 15
    },
    {
      "factor": "revenueVolatility",
      "value": 0.5,
      "weight": 0.2,
      "contribution": 10
    },
    {
      "factor": "stackingRisk",
      "value": 0.4,
      "weight": 0.15,
      "contribution": 6
    },
    {
      "factor": "industryRisk",
      "value": 0.5,
      "weight": 0.1,
      "contribution": 5
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "advance",
    "factorRate",
    "estimatedTermDays",
    "holdbackBurden",
    "revenueVolatility",
    "stackingRisk",
    "industryRisk"
  ],
  "properties": {
    "advance": {
      "type": "number",
      "examples": [
        100000
      ]
    },
    "factorRate": {
      "type": "number",
      "description": ">=1, e.g. 1.35",
      "examples": [
        1.35
      ]
    },
    "estimatedTermDays": {
      "type": "number",
      "examples": [
        180
      ]
    },
    "holdbackBurden": {
      "type": "number",
      "examples": [
        0.6
      ]
    },
    "revenueVolatility": {
      "type": "number",
      "examples": [
        0.5
      ]
    },
    "stackingRisk": {
      "type": "number",
      "examples": [
        0.4
      ]
    },
    "industryRisk": {
      "type": "number",
      "examples": [
        0.5
      ]
    }
  }
}

Output schema

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