Revenue-based-financing score & payback API

Revenue-based-financing score (0-100, higher = better) PLUS the canonical payback math: totalRepayment = advance*repaymentMultiple and estimatedMonthsToRepay = totalRepayment/(monthlyRevenue*revenueShare). Transparent rubric — revenueGrowthQuality 0.30, marginHealth 0.25, revenueRetention 0.20, repayTimeComfort 0.15 (faster=better), revenueSeasonalityStability 0.10 — returns a quality bucket, an A-F grade, total repayment, months-to-repay, and a per-factor breakdown. Answers 'how long to repay this RBF','score this revenue-share advance'.

Price$0.016per request

MethodPOST

Route/v1/score/tradefin-revenue-based-financing

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorerevenue-based-financingrbfpaybacksaasgrowth-financerubricrevenue-share

API URLhttps://x402.hexl.dev/v1/score/tradefin-revenue-based-financing

Integration docs

Example request

{
  "advance": 500000,
  "repaymentMultiple": 1.4,
  "monthlyRevenue": 200000,
  "revenueShare": 0.08,
  "revenueGrowthQuality": 0.8,
  "marginHealth": 0.7,
  "revenueRetention": 0.85,
  "revenueSeasonalityStability": 0.75
}

Example response

{
  "score": 66,
  "rating": "adequate",
  "grade": "D",
  "totalRepayment": 700000,
  "estimatedMonthsToRepay": 43.8,
  "breakdown": [
    {
      "factor": "revenueGrowthQuality",
      "value": 0.8,
      "weight": 0.3,
      "contribution": 24
    },
    {
      "factor": "marginHealth",
      "value": 0.7,
      "weight": 0.25,
      "contribution": 17.5
    },
    {
      "factor": "revenueRetention",
      "value": 0.85,
      "weight": 0.2,
      "contribution": 17
    },
    {
      "factor": "repayTimeComfort",
      "value": 0,
      "weight": 0.15,
      "contribution": 0
    },
    {
      "factor": "revenueSeasonalityStability",
      "value": 0.75,
      "weight": 0.1,
      "contribution": 7.5
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "advance",
    "repaymentMultiple",
    "monthlyRevenue",
    "revenueShare",
    "revenueGrowthQuality",
    "marginHealth",
    "revenueRetention",
    "revenueSeasonalityStability"
  ],
  "properties": {
    "advance": {
      "type": "number",
      "examples": [
        500000
      ]
    },
    "repaymentMultiple": {
      "type": "number",
      "description": "e.g. 1.4x cap",
      "examples": [
        1.4
      ]
    },
    "monthlyRevenue": {
      "type": "number",
      "examples": [
        200000
      ]
    },
    "revenueShare": {
      "type": "number",
      "description": "0-1, share of revenue swept",
      "examples": [
        0.08
      ]
    },
    "revenueGrowthQuality": {
      "type": "number",
      "examples": [
        0.8
      ]
    },
    "marginHealth": {
      "type": "number",
      "examples": [
        0.7
      ]
    },
    "revenueRetention": {
      "type": "number",
      "examples": [
        0.85
      ]
    },
    "revenueSeasonalityStability": {
      "type": "number",
      "examples": [
        0.75
      ]
    }
  }
}

Output schema

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