{"name":"invoice-discount-calculator","description":"Calculates the true cost of an early payment discount or invoice factoring offer. Computes discount dollars, net cash received, effective APR, advance amount, and premium versus cost of capital for invoice acceleration decisions. Use it as an invoice discount calculator API, early payment discount APR tool, factoring discount economics check, or AR acceleration calculator.","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"}