{"name":"equipment-finance-score","description":"Scores the risk of an equipment loan or lease, returning a weighted score and grade. Evaluates lessee credit, collateral coverage, equity cushion, and term-vs-useful-life fit, with drivers and recommendation. Use it as an equipment finance score API or equipment financing risk scorer with collateral coverage analysis.","price":"$0.01","method":"POST","input_schema":{"properties":{"equipment_cost":{"type":"number","description":"Equipment purchase price (USD)."},"down_payment_pct":{"type":"number","description":"Down payment percent."},"useful_life_years":{"type":"number","description":"Equipment useful life in years."},"lessee_credit_score":{"type":"number","description":"Borrower/lessee credit quality, 0-100."},"resale_value_pct":{"type":"number","description":"Estimated resale/residual value percent. Optional, default 40."},"term_years":{"type":"number","description":"Financing term in years. Optional, defaults to min(useful life, 5)."}},"required":["equipment_cost","down_payment_pct","useful_life_years","lessee_credit_score"]},"input_example":{"equipment_cost":250000,"down_payment_pct":20,"useful_life_years":8,"lessee_credit_score":75,"resale_value_pct":45,"term_years":5},"output_example":{"calculator":"equipment-finance-score","score":74.2,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"equipment_cost":250000,"loan_to_value_pct":80,"useful_life_years":8,"term_years":5},"drivers":[{"name":"lessee_credit","score":75,"weight":0.3,"note":"borrower credit strength"}],"warnings":[],"source":"deterministic in-process finance calculator; no upstream API"},"x402_payment_required":true,"x402_facilitator":"https://api.cdp.coinbase.com/platform/v2/x402"}