{"name":"early-payment-discount-calculator","description":"Calculates the effective APR of an early payment discount. Same calculator as invoice-discount-calculator. Use it as an early payment discount calculator, supplier discount APR tool, or invoice acceleration economics check.","price":"$0.01","method":"POST","input_schema":{"properties":{"invoice_amount":{"type":"number","description":"Gross invoice face value."},"days_until_due":{"type":"number","description":"Days until the invoice would otherwise be paid."},"discount_pct":{"type":"number","description":"Discount as percent of invoice amount. Required unless discount_amount is supplied."},"discount_amount":{"type":"number","description":"Discount dollars. Required unless discount_pct is supplied."},"advance_rate_pct":{"type":"number","description":"Percent of invoice advanced immediately. Default 100."},"annual_cost_of_capital_pct":{"type":"number","description":"Benchmark annual cost of capital percent. Default 12."}},"required":["invoice_amount","days_until_due"]},"input_example":{"invoice_amount":80000,"days_until_due":45,"discount_pct":1.8,"advance_rate_pct":95,"annual_cost_of_capital_pct":14},"output_example":{"calculator":"invoice-discount-calculator","score":74.2,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"discount_amount":1440,"net_cash_received":74560,"effective_apr_pct":15.66,"cost_premium_vs_capital_benchmark":153.95},"drivers":[{"name":"effective_apr","score":65.5,"weight":0.35,"note":"15.66% effective APR"}],"warnings":[],"source":"deterministic in-process finance calculator; no upstream API"},"x402_payment_required":true,"x402_facilitator":"https://api.cdp.coinbase.com/platform/v2/x402"}