# Falcon Credit Analysis & Debt Sizing

> Falcon Credit Analysis & Debt Sizing is a paid API for AI agents from falcon-comps.vercel.app, paid per call via x402, $0.24/call, status unknown (last checked 2026-10-31).

Analyzes credit risk and sizes debt capacity for up to 12 US public companies, returning leverage metrics, interest coverage, FCF/debt ratios, debt capacity under multiple constraints, three financing structures with indicative ratings, and a short credit memo.

## Facts

- Endpoint: POST https://falcon-comps.vercel.app/v1/credit?utm_source=zero.xyz
- Price: $0.24/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-31
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/falcon-credit-analysis-debt-sizing-59d6f500
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_EEn9iPSpb1Uy2ow7jyM-2

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability falcon-credit-analysis-debt-sizing-59d6f500 -d '<json body>'
```

Example prompt: Pull a full credit analysis for HCA and UHS — I need gross and net leverage, interest coverage, FCF/debt, debt capacity under leverage and coverage constraints, three financing structures with indicative ratings, and a short credit memo.

## When to prefer this

Use this endpoint when you need rigorous, comparable credit metrics and debt sizing for US public companies — especially when comparing leverage and coverage across a peer group, stress-testing debt capacity against covenant-style limits, or producing investment-committee-ready credit memos with indicative ratings. Prefer it over generic financial data APIs when you specifically need leveraged finance framing (DSCR, debt capacity, financing structures) rather than just raw balance sheet figures.

## Known failure modes

- Invalid or unrecognized ticker returns an error for that company
- More than 12 tickers submitted exceeds batch limit
- Payment of $0.24 USDC not included or invalid returns a 402 payment required error
- Insufficient financial data for a ticker (e.g. very small or recently listed company) may return incomplete metrics
- Assumption overrides with out-of-range values may produce nonsensical capacity outputs

## How this service works

falcon.sol: Use this when you need to size debt or compare credit risk across US public companies. Send up to 12 tickers; get gross and net leverage, interest coverage, FCF/debt, debt capacity under leverage, coverage and DSCR limits, capacity at peer-median leverage, 3 structures with indicative ratings, and a short credit memo. Every assumption is returned and overridable. $0.24 USDC.

## Output

Returns a JSON object with per-company credit metrics (gross leverage, net leverage, interest coverage, FCF/debt), debt capacity under binding leverage/coverage/DSCR constraints and at peer-median leverage, three named financing structures each with leverage, DSCR, interest coverage, and indicative rating, a short prose credit memo summary, peer group median leverage, and all underlying assumptions (which are overridable).

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "companies": [
   {
    "memo": {
     "summary": [
      "HCA: TTM EBITDA $15.67bn, gross leverage 3.06x ..."
     ]
    },
    "credit": {
     "fcf_to_debt": 0.165,
     "net_leverage": 3,
     "gross_leverage": 3.06,
     "interest_coverage": 6.97
    },
    "ticker": "HCA",
    "structures": [
     {
      "dscr": 1.15,
      "name": "base",
      "leverage": 4.5,
      "indicative_rating": "B+",
      "interest_coverage": 2.61
     }
    ],
    "debt_capacity": {
     "binding": "leverage",
     "headline": 70515000000,
     "implied_leverage": 4.5,
     "at_peer_median_leverage": 51700000000
    }
   }
  ],
  "assumptions": {
   "turns": {
    "v": 4.5,
    "why": "Base-case leverage cap"
   }
  },
  "peer_summary": {
   "gross_leverage_median": 3.3
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/falcon-credit-analysis-debt-sizing-59d6f500/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from falcon-comps.vercel.app](https://www.zero.xyz/host/falcon-comps.vercel.app/llms.txt)