Receivables-finance portfolio quality score API

Receivables-finance portfolio QUALITY score (0-100, higher = better) via a transparent weighted rubric — debtorQuality 0.30, portfolioDiversification 0.20, collectionHistory 0.20, dilutionRateControl 0.15, agingProfile 0.15 — returning an excellent/strong/adequate/weak/poor bucket, an A-F grade, and a per-factor breakdown. Answers 'how good is this receivables book','rate this AR portfolio for financing'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-receivables-finance

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorereceivables-financeportfolioqualityarworking-capitalrubriccredit

API URLhttps://x402.hexl.dev/v1/score/tradefin-receivables-finance

Integration docs

Example request

{
  "debtorQuality": 0.8,
  "portfolioDiversification": 0.7,
  "collectionHistory": 0.85,
  "dilutionRateControl": 0.75,
  "agingProfile": 0.7
}

Example response

{
  "qualityScore": 76.75,
  "rating": "strong",
  "grade": "C",
  "breakdown": [
    {
      "factor": "debtorQuality",
      "value": 0.8,
      "weight": 0.3,
      "contribution": 24
    },
    {
      "factor": "portfolioDiversification",
      "value": 0.7,
      "weight": 0.2,
      "contribution": 14
    },
    {
      "factor": "collectionHistory",
      "value": 0.85,
      "weight": 0.2,
      "contribution": 17
    },
    {
      "factor": "dilutionRateControl",
      "value": 0.75,
      "weight": 0.15,
      "contribution": 11.25
    },
    {
      "factor": "agingProfile",
      "value": 0.7,
      "weight": 0.15,
      "contribution": 10.5
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "debtorQuality",
    "portfolioDiversification",
    "collectionHistory",
    "dilutionRateControl",
    "agingProfile"
  ],
  "properties": {
    "debtorQuality": {
      "type": "number",
      "description": "0-1",
      "examples": [
        0.8
      ]
    },
    "portfolioDiversification": {
      "type": "number",
      "examples": [
        0.7
      ]
    },
    "collectionHistory": {
      "type": "number",
      "examples": [
        0.85
      ]
    },
    "dilutionRateControl": {
      "type": "number",
      "examples": [
        0.75
      ]
    },
    "agingProfile": {
      "type": "number",
      "examples": [
        0.7
      ]
    }
  }
}

Output schema

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