# Project Finance Bankability Scorer

> Project Finance Bankability Scorer is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Scores the bankability of a project finance structure for infrastructure deals on a 0-100 scale, analyzing DSCR, leverage, offtake contract quality, construction risk, and sponsor strength.

## Facts

- Endpoint: POST https://x402.agentutility.ai/project-finance-score
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/project-finance-bankability-scorer-f7a3d2d2
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_8XsWzmxf5z-q73kh5SHvM

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 project-finance-bankability-scorer-f7a3d2d2 -d '<json body>'
```

Example prompt: Can you score the bankability of this infrastructure deal — it's a 25-year wind farm with a DSCR of 1.35x, 70/30 debt-to-equity, a 20-year utility offtake contract rated BBB, moderate construction risk with a fixed-price EPC contract, and an investment-grade sponsor?

## When to prefer this

Use this endpoint when an AI agent needs a structured, quantitative bankability verdict on an infrastructure or project finance deal — especially when assessing whether a capital structure can attract senior debt. Prefer this over generic financial scoring tools when the deal involves DSCR analysis, offtake contracts, EPC construction risk, or project sponsor evaluation typical of PPP, energy, or infrastructure transactions.

## Known failure modes

- Missing required financial inputs (DSCR, leverage ratio) returns a 400 validation error
- Malformed or out-of-range parameter values (e.g. negative DSCR) may return a 422 error
- Payment failure via x402 protocol returns a 402 Payment Required response
- Service unavailability returns a 503 or timeout

## How this service works

Scores the bankability of a project finance structure for infrastructure deals, returning a 0-100 score. Weighs debt service coverage, debt-to-equity leverage, offtake contract quality, construction risk, and sponsor strength; returns grade, recommendation, metrics, and drivers. Use it as a project finance score API, infrastructure finance structure quality check, or DSCR leverage offtake construction-risk calculator.

## Output

Returns a 0-100 bankability score, a letter grade, a lender recommendation (e.g. 'bankable', 'conditional', 'not bankable'), quantified financial metrics (DSCR, leverage), and a list of key risk drivers and strengths influencing the score.

## Request schema (JSON Schema)

```json
{
 "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": [
      "dscr",
      "debt_to_equity",
      "offtake_score"
     ],
     "properties": {
      "dscr": {
       "type": "number",
       "description": "Debt service coverage ratio, e.g. 1.42."
      },
      "offtake_score": {
       "type": "number",
       "description": "0-100 offtake contract and counterparty quality."
      },
      "debt_to_equity": {
       "type": "number",
       "description": "Debt/equity ratio, e.g. 2.1."
      },
      "sponsor_strength": {
       "type": "number",
       "description": "0-100 sponsor execution and balance-sheet strength. Default 70."
      },
      "construction_risk_score": {
       "type": "number",
       "description": "0-100 construction risk; higher means riskier. Default 40."
      }
     }
    },
    "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": {
        "dscr": {
         "type": "number"
        },
        "debt_to_equity": {
         "type": "number"
        }
       }
      },
      "warnings": {
       "type": "array"
      },
      "calculator": {
       "type": "string"
      },
      "recommendation": {
       "type": "string"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "debt_service_coverage",
    "note": "1.42x DSCR",
    "score": 83.6,
    "weight": 0.3
   }
  ],
  "metrics": {
   "dscr": 1.42,
   "debt_to_equity": 2.1
  },
  "warnings": [],
  "calculator": "project-finance-score",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/project-finance-bankability-scorer-f7a3d2d2/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)