{"openapi":"3.1.0","info":{"title":"Elite Funders Public Tools API","version":"1.2.0","description":"Free, no-auth compute endpoints mirroring the educational tools at elitefunders.com/tools. Framework-level reads only — not underwriting, no lender data, do not send personally identifiable information. Inputs are strictly validated: unknown or missing fields return 400 with the expected schema rather than a guessed answer. The authenticated partner deal-submission API is documented separately at https://elitefunders.com/developers/.","contact":{"name":"Elite Funders","url":"https://elitefunders.com/partners/"}},"servers":[{"url":"https://elitefunders.com/api/tools","description":"Primary (branded)"},{"url":"https://mddbqtczelajfpsnviaz.supabase.co/functions/v1/public-tools-api","description":"Direct origin — works, but prefer the branded base above"}],"paths":{"/qualify":{"post":{"summary":"Directional fundability read for a business funding file","description":"All four band fields are required; unknown fields are rejected. Mirrors https://elitefunders.com/tools/deal-qualifier","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","additionalProperties":false,"required":["revenue_band","tib_band","positions","credit_band"],"properties":{"revenue_band":{"type":"integer","minimum":0,"maximum":4,"description":"0 <$10K/mo, 1 $10–20K, 2 $20–50K, 3 $50–150K, 4 $150K+"},"tib_band":{"type":"integer","minimum":0,"maximum":3,"description":"0 <6mo, 1 6–24mo, 2 2–5y, 3 5y+"},"positions":{"type":"integer","minimum":0,"maximum":3,"description":"active advance positions; 3 = three or more"},"credit_band":{"type":"integer","minimum":0,"maximum":3,"description":"0 <550, 1 550–649, 2 650–719, 3 720+"},"flags":{"type":"array","items":{"type":"string","enum":["open_bankruptcy","frequent_nsfs","active_default","restricted_industry"]}}}}}}},"responses":{"200":{"description":"verdict, lanes, notes, inputs_received"},"400":{"description":"invalid_input — details array + expected_schema; no verdict is returned"},"429":{"description":"rate_limited"}}}},"/payment-burden":{"post":{"summary":"Combined MCA payment burden as % of deposits","description":"monthly_deposits is required; unknown fields are rejected. Mirrors https://elitefunders.com/tools/stacking-calculator","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","additionalProperties":false,"required":["monthly_deposits"],"properties":{"monthly_deposits":{"type":"number","exclusiveMinimum":0},"payments":{"type":"array","items":{"type":"object","additionalProperties":false,"required":["amount","frequency"],"properties":{"amount":{"type":"number","minimum":0},"frequency":{"type":"string","enum":["daily","weekly","monthly"]}}}},"proposed":{"type":"object","additionalProperties":false,"required":["amount","frequency"],"properties":{"amount":{"type":"number","minimum":0},"frequency":{"type":"string","enum":["daily","weekly","monthly"]}}}}}}}},"responses":{"200":{"description":"burden %, band, read"},"400":{"description":"invalid_input — details array + expected_schema; no figure is returned"},"429":{"description":"rate_limited"}}}},"/openapi.json":{"get":{"summary":"This spec","responses":{"200":{"description":"OpenAPI 3.1 document"}}}}}}