---
title: "Get debt line monthly metrics"
method: GET
path: "/debt-lines/{id}/metrics"
tags: ["Debt Lines"]
---

# Get debt line monthly metrics

`GET /debt-lines/{id}/metrics`

## Request

- Base URL: `https://core.sivo.com`
- URL: `https://core.sivo.com/debt-lines/{id}/metrics`
- Auth: one of:
  - API key in header `Authorization`
  - OAuth 2
    - Authorization code: `https://dashboard.sivo.com/oauth/authorize`
    - Client credentials
    - Token URL: `https://core.sivo.com/oauth/token`
- TypeScript: <https://skmtc.dev/sivo/apis/sivo-advance-api/docs/debt-lines/:id/metrics/get.ts> (a function with typed inputs; its response is checked against the schema)

## Path parameters

- `id` string, required: An object id with prefix

## Query parameters

- `limit` integer: Maximum number of results to return, from 1 to 100; defaults to 25
- `page` string: Opaque page token from a previous response's next_page or previous_page; pass it back unchanged, with the same sort and filters
- `expand` string[]: Extra fields to include in the page; total_count counts the matching results, exactly up to 10000
- `sort` 'test_month_desc': Result order; defaults to test_month_desc
- `test_month` string: Only return metrics computed for this month

## Response `200`

Successful operation

- object: One page of a list
  - `data` object[], required
    - `id` string, required: Debt line metric ID
    - `debt_line_id` string, required: The debt line these metrics belong to
    - `created_at` string, date-time, required: When the metric row was created
    - `updated_at` string, date-time, required: When the metric row was last updated
    - `test_month` string, required: The month these metrics were computed for
    - `cohort_summary` object, nullable: Cohort groups keyed by origination month
    - `sivo_score` object, nullable: Map of sivo score components to their points; the points sum to a 0–15 rating
    - `outstanding_balance` integer, nullable: Total outstanding balance in the debt line currency
    - `pledged_balance` integer, nullable: Outstanding balance of the receivables pledged to Sivo (funded_by sivo), eligible or not, in the debt line currency
    - `eligible_balance` integer, nullable: Outstanding balance of the eligible receivables pledged to Sivo, in the debt line currency; the base of the portfolio limit, shown as "Funded by Sivo"
    - `effective_apr` number, nullable: Disbursement-weighted APR of the eligible sivo-funded portfolio
    - `default_rate` number, nullable: Defaulted balance over amount at risk for matured cohorts
    - `utilization_rate` number, nullable: Average daily principal balance over the test month as a share of the current step max principal
    - `avg_repayment_days` number, nullable: Disbursement-weighted average days to collection in full across collected sivo-funded receivables
    - `concentration` number, nullable: Largest single-obligor balance as a share of the total outstanding balance
    - `cashflow_covering_ratio` number, nullable: Collections received on sivo-funded receivables over the amounts charged to the debt line during the test month
    - `cash_ratio` number, nullable: Cash and equivalents over current liabilities from the originator's latest Financials within two months of the test month
    - `debt_asset_ratio` number, nullable: Total liabilities over total assets from the originator's latest Financials within two months of the test month
    - `top_balances_eligible` integer[], required: Top 10 eligible obligor balances in the debt line currency
    - `top_balances_all` integer[], required: Top 10 obligor balances in the debt line currency
    - `report_delay` integer, nullable: 90th percentile of days between origination and reporting for the test month
  - `has_more` boolean, required: Whether more results follow this page in the list order
  - `next_page` string, nullable, required: Token for the page after this one, or null when this is the last page
  - `previous_page` string, nullable, required: Token for the page before this one, or null when this is the first page
  - `total_count` integer: Number of results matching the filters, exact up to 10000; 10001 means more than that. Only present when the request expands total_count

## Changes

- **2026-11-03** `4bbab9699612`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/sivo/apis/sivo-advance-api/changes/debt-lines/:id/metrics/get.md)

---

[API](https://skmtc.dev/sivo/apis/sivo-advance-api.md) - [All operations](https://skmtc.dev/sivo/apis/sivo-advance-api/llms.txt) - [OpenAPI document](https://skmtc.dev/sivo/apis/sivo-advance-api/revisions/4bbab9699612?raw)