---
title: "T197 · Credit Risk Rating Calculator"
method: POST
path: "/v1/tools/credit_risk_rating_calculator"
---

# T197 · Credit Risk Rating Calculator

`POST /v1/tools/credit_risk_rating_calculator`

## Request

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

Input financial ratios to derive an internal credit rating mapped to S&P, Moody's, and Fitch equivalents (AAA–D). Configurable by industry sector and counterparty type. Outputs rating scorecard, rationale narrative, Markdown memo, and Policy Mandate JSON credit profile. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/197-credit-risk-rating-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `counterparty_type` 'corporate' | 'bank' | 'sovereign' | 'sme', required
  - `sector` 'general' | 'tech' | 'healthcare' | 'utilities' | 'realestate' | 'energy' | 'retail' | 'financial', required
  - `weighting_profile` 'balanced' | 'leverage' | 'coverage' | 'liquidity', required
  - `net_debt_ebitda` number, required: Net Debt / EBITDA ratio (×)
  - `ebitda_interest` number, required: EBITDA / Interest Expense (×)
  - `ebitda_margin` number, required: EBITDA Margin (%)
  - `fcf_debt` number, required: Free Cash Flow / Debt (%)
  - `current_ratio` number, required: Current Ratio (×)
  - `debt_equity` number, required: Debt / Equity (%)

## Response `200`

Successful tool execution result

- object
  - `composite_score` number: Weighted composite score 0–100
  - `internal_rating` string: Internal rating grade e.g. BBB+
  - `sp_equivalent` string
  - `moodys_equivalent` string
  - `fitch_equivalent` string
  - `rating_category` 'ig' | 'hy' | 'dist'
  - `scorecard` object[]
  - `ap2_mandate` object

---

[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)