{"name":"merchant-cash-advance-score","description":"Scores the risk of a merchant cash advance (MCA) deal, returning a weighted score and grade. Evaluates revenue strength, factor-rate burden, holdback sustainability, revenue stability, and business tenure, with drivers and recommendation. Use it as a merchant cash advance score API, MCA deal risk scorer, or small business revenue financing score.","price":"$0.01","method":"POST","input_schema":{"properties":{"monthly_revenue":{"type":"number","description":"Average monthly revenue (USD)."},"factor_rate":{"type":"number","description":"MCA factor rate, 1.0-2.0."},"holdback_pct":{"type":"number","description":"Daily/weekly revenue holdback percent."},"revenue_volatility_pct":{"type":"number","description":"Revenue volatility percent. Optional, default 20."},"months_in_business":{"type":"number","description":"Months in business. Optional, default 24."}},"required":["monthly_revenue","factor_rate","holdback_pct"]},"input_example":{"monthly_revenue":120000,"factor_rate":1.3,"holdback_pct":12,"revenue_volatility_pct":18,"months_in_business":36},"output_example":{"calculator":"merchant-cash-advance-score","score":74.2,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"monthly_revenue":120000,"factor_rate":1.3,"holdback_pct":12},"drivers":[{"name":"factor_rate_burden","score":66,"weight":0.3,"note":"1.3x factor rate"}],"warnings":[],"source":"deterministic in-process finance calculator; no upstream API"},"x402_payment_required":true,"x402_facilitator":"https://api.cdp.coinbase.com/platform/v2/x402"}