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The inputs this calculator takes (with units, ranges and defaults), the outputs it returns, and the assumptions and tables behind it.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Run the Invoice factoring cost calculator calculator: Service fee for the year; Average balance drawn against the ledger; Discount charge for the year; Total annual cost of the facility. Missing inputs fall back to their documented defaults.

{
  "type": "object",
  "properties": {
    "turnover": {
      "type": "number",
      "description": "Annual turnover put through the facility",
      "default": 1000000
    },
    "serviceFee": {
      "type": "number",
      "description": "Service fee (% of turnover)",
      "default": 1.5
    },
    "advance": {
      "type": "number",
      "description": "Advance rate (% of each invoice paid up front)",
      "default": 85
    },
    "debtorDays": {
      "type": "number",
      "description": "Average days your customers take to pay",
      "default": 45
    },
    "margin": {
      "type": "number",
      "description": "Discount margin over base (%)",
      "default": 3
    },
    "minFee": {
      "type": "number",
      "description": "Annual minimum fee in the agreement",
      "default": 0
    },
    "extras": {
      "type": "number",
      "description": "Other annual charges (audit, CHAPS, refactoring)",
      "default": 0
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Read first. States plainly what submit_enquiry does on Invoice Factoring Cost: it starts an enquiry with human providers who quote directly. Nothing is bought, ordered or paid; no quote is guaranteed; it is free. Also returns who receives the details, the consent wording, and how the person confirms.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Every field of the Invoice Factoring Cost enquiry: key, label, type, whether required, help text and the allowed options where there are any. Pass answers to submit_enquiry keyed by field key.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Submits an enquiry to Invoice Factoring Cost — NOT a purchase, NOT a guaranteed quote. Step 1: call with the answers (keyed by field key from enquiry_fields) and consent=true; it validates and returns a summary, the consent line and a confirmation token — show the person the summary and the consent line. Step 2: only if the person agrees, call again with the same answers, consent=true and the confirmation token; the enquiry is then submitted, and the person receives an email with a link they must click before any provider sees it. Consent means the person has read and agreed to: "Send my contact details to up to three commercial mortgage and business finance brokers, chosen by Invoice Factoring Cost, who'll contact me directly. I'll be emailed each firm's name as my details go to it, and can stop any more firms getting them."

{
  "type": "object",
  "properties": {
    "answers": {
      "type": "object",
      "additionalProperties": {
        "type": [
          "string",
          "number",
          "boolean"
        ]
      },
      "description": "the person's answers, keyed by field key"
    },
    "consent": {
      "type": "boolean",
      "description": "true only when the person has agreed to: Send my contact details to up to three commercial mortgage and business finance brokers, chosen by Invoice Factoring Cost, who'll contact me directly. I'll be emailed each firm's name as my details go to it, and can stop any more firms getting them."
    },
    "confirmation": {
      "type": "string",
      "description": "the confirmation token from step 1, after the person has approved the summary"
    }
  },
  "required": [
    "answers",
    "consent"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}