---
title: "Forfaiting vs Factoring vs Invoice Discounting Economics"
method: POST
path: "/v1/tools/compare_receivables_finance_economics"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Forfaiting vs Factoring vs Invoice Discounting Economics

`POST /v1/tools/compare_receivables_finance_economics`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compare_receivables_finance_economics`
- Auth: none declared

Compares net proceeds and effective annual cost across forfaiting (medium/long-term trade receivables, non-recourse PV discount), factoring with recourse, factoring without recourse, and invoice discounting for a receivables portfolio. Models advance rates, discount rates, service fees, and arrangement costs; returns per-instrument net proceeds, effective annual cost, a cost ranking, and the cheapest/highest-proceeds instrument. Provable node counterpart to tools/425-forfaiting-factoring-economics.html.

**Tool URL:** https://ainumbers.co/chaingraph/art-479-compare-receivables-finance-economics.html

## Request body

- object
  - `currency` unknown, required
  - `factoring_advance_rate_pct` unknown, required
  - `factoring_finance_charge_pct` unknown, required
  - `factoring_service_fee_pct` unknown, required
  - `forfaiting_arrangement_fee_pct` unknown, required
  - `forfaiting_discount_rate_pct` unknown, required
  - `id_advance_rate_pct` unknown, required
  - `id_discount_charge_pct` unknown, required
  - `id_service_fee_pct` unknown, required
  - `invoice_value` unknown, required
  - `nr_factoring_advance_rate_pct` unknown, required
  - `nr_factoring_finance_charge_pct` unknown, required
  - `nr_factoring_service_fee_pct` unknown, required
  - `num_debtors` unknown, required
  - `obligor_quality` unknown, required
  - `tenor_days` unknown, required

## Response `200`

Successful tool execution result

- object
  - `cheapest_instrument` string
  - `cost_ranking` string[]
  - `highest_proceeds_instrument` string
  - `portfolio` object
    - `currency` string
    - `face_value` integer
    - `num_debtors` string
    - `obligor_quality` string
    - `tenor_days` integer
  - `results` object
    - `factoring_non_recourse` object
      - `effective_annual_cost_pct` number
      - `net_proceeds` integer
      - `recourse` string
    - `factoring_recourse` object
      - `effective_annual_cost_pct` number
      - `net_proceeds` integer
      - `recourse` string
    - `forfaiting` object
      - `effective_annual_cost_pct` number
      - `net_proceeds` integer
      - `recourse` string
    - `invoice_discounting` object
      - `effective_annual_cost_pct` number
      - `net_proceeds` integer
      - `recourse` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)