{"uid":"cap_-F6BYeqYcBscCVdmLiKC8","slug":"invoice-discount-apr-factoring-economics-calculator-38ce85f6","name":"Invoice Discount APR & Factoring Economics Calculator","description":"Calculates early payment discount APR and factoring economics. Same calculator as invoice-discount-calculator, exposed under likely buyer search terms. Use it as an invoice discount API or early payment discount APR API.","url":"https://x402.agentutility.ai/invoice-discount-api?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method","bodyType","body"],"properties":{"body":{"required":["invoice_amount","days_until_due"],"properties":{"discount_pct":{"type":"number","description":"Discount as percent of invoice amount. Required unless discount_amount is supplied."},"days_until_due":{"type":"number","description":"Days until the invoice would otherwise be paid."},"invoice_amount":{"type":"number","description":"Gross invoice face value."},"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."}}},"type":{"type":"string","const":"http"},"method":{"enum":["POST"],"type":"string"},"bodyType":{"enum":["json","form-data","text"],"type":"string"}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"grade":{"type":"string"},"score":{"type":"number"},"source":{"type":"string"},"drivers":{"type":"array","items":{"type":"object","properties":{"name":{"type":"string"},"note":{"type":"string"},"score":{"type":"number"},"weight":{"type":"number"}}}},"metrics":{"type":"object","properties":{"discount_amount":{"type":"integer"},"effective_apr_pct":{"type":"number"},"net_cash_received":{"type":"integer"},"cost_premium_vs_capital_benchmark":{"type":"number"}}},"warnings":{"type":"array"},"calculator":{"type":"string"},"recommendation":{"type":"string"}}}}}}},"responseSchema":{"type":"json","example":{"grade":"strong","score":74.2,"source":"deterministic in-process finance calculator; no upstream API","drivers":[{"name":"effective_apr","note":"15.66% effective APR","score":65.5,"weight":0.35}],"metrics":{"discount_amount":1440,"effective_apr_pct":15.66,"net_cash_received":74560,"cost_premium_vs_capital_benchmark":153.95},"warnings":[],"calculator":"invoice-discount-calculator","recommendation":"Proceed with standard diligence and covenant checks."}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"registry","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_HWbOVnKbbvr4_PM8DsG57","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates early payment discount APR, factoring economics, and cost metrics for invoices given invoice face value, discount rate, and payment timing.","exampleAgentPrompt":"Can you calculate the effective APR and factoring economics on a $76,000 invoice where I'm being offered a 1.89% discount if I pay in 10 days instead of the normal 60-day terms?","exampleUseCases":[{"title":"Evaluate early payment discount offer","prompt":"I have a $150,000 invoice with net-60 terms and my supplier is offering a 2% discount if I pay within 10 days — what's the effective APR on that deal and is it worth taking?"},{"title":"Benchmark factoring cost vs capital","prompt":"We're thinking of factoring a $250,000 invoice at a 1.5% fee with 30-day terms — can you calculate the annualized cost and tell me how it compares to a 7% cost of capital benchmark?"},{"title":"Score a batch of receivables discount offers","prompt":"I've got a $45,000 invoice being offered at a 2.5% early pay discount on net-45 terms — run the full invoice discount APR calculation and give me a grade and recommendation on whether to proceed."}],"resultDescription":"Returns a structured JSON object with a letter-style grade (e.g. 'strong'), a numeric score (0–100), effective APR percentage, discount amount, net cash received, cost premium vs a capital benchmark, any warnings, and a plain-English recommendation. Also identifies the calculator used and confirms it is a deterministic in-process computation with no upstream API dependency.","failureModes":["Missing required fields (invoice amount, discount rate, or term days) returns a validation error","Non-numeric or negative values for financial inputs may return an error or unexpected results","Extreme edge cases (0-day terms, 100% discount) may produce warnings or unreliable scores","x402 payment failure or insufficient USDC balance prevents the call from completing"],"whenToPreferThis":"Choose this endpoint when you need a fast, deterministic calculation of the annualized cost of an early payment discount or invoice factoring arrangement — particularly when you want a scored recommendation and cost-vs-benchmark comparison rather than a raw APR formula. Prefer it over generic finance libraries when you want a structured grade and recommendation suitable for agent decision-making pipelines.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T12:38:18.763Z","isFirstParty":false,"canonicalSlug":"invoice-discount-apr-factoring-economics-calculator-38ce85f6"}