{"name":"invoice-factoring-score","description":"Scores the risk and quality of an invoice factoring facility, returning a weighted score and grade. Evaluates debtor credit, advance-rate economics, fee burden, dilution, and debtor concentration, with drivers and recommendation. Use it as an invoice factoring score API, receivables factoring risk score, or factoring deal quality scorer.","price":"$0.01","method":"POST","input_schema":{"properties":{"debtor_credit_score":{"type":"number","description":"Obligor/debtor credit quality, 0-100."},"advance_rate_pct":{"type":"number","description":"Advance rate as percent of invoice face value."},"factoring_fee_pct":{"type":"number","description":"Factoring fee/discount percent."},"dilution_rate_pct":{"type":"number","description":"Receivables dilution percent. Optional, default 3."},"debtor_concentration_pct":{"type":"number","description":"Top-debtor share of the book percent. Optional, default 40."},"avg_days_to_pay":{"type":"number","description":"Average days to collection. Optional, default 45."}},"required":["debtor_credit_score","advance_rate_pct","factoring_fee_pct"]},"input_example":{"debtor_credit_score":82,"advance_rate_pct":85,"factoring_fee_pct":2,"dilution_rate_pct":2,"debtor_concentration_pct":25,"avg_days_to_pay":38},"output_example":{"calculator":"invoice-factoring-score","score":74.2,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"debtor_credit_score":82,"advance_rate_pct":85,"factoring_fee_pct":2,"dilution_rate_pct":2},"drivers":[{"name":"debtor_credit","score":82,"weight":0.3,"note":"obligor payment 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"}