Novicap

Novicap is a Spanish working-capital and supply-chain-finance fintech that helps companies optimize their circulating capital. Its REST API (base URL https://api.novicap.com/v1) lets partners programmatically register suppliers, submit and manage invoices, and create payment instructions and adjustments across two products: Dynamic Discounting and Confirming Standard (reverse factoring). The API uses Bearer API-key authentication with a required product_id scope, JSON payloads, and URI-path versioning, and is documented in a public developer reference. Novicap is backed by Partech and Techstars.

Novicap publishes 2 APIs on the APIs.io network: Confirming Standard API and Dynamic Discounting API. Tagged areas include Company, Financial-Services, Fintech, Working Capital, and Invoice Finance.

Novicap’s developer surface includes engineering blog, support, authentication, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub

24.2/100 emerging ▬ flat Agent 19/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Company Financial-Services Fintech Working Capital Invoice Finance Supply Chain Finance Dynamic DiscountingConfirmingReverse FactoringSpain

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 24.2/100 · emerging

Contract Quality 2.9 / 23

Developer Ergonomics 8.5 / 18

Access Clarity 3.1 / 18

Operational Transparency 0.6 / 12

Contract Governance 0.5 / 11

Discoverability 6.8 / 9

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/novicap: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Novicap Confirming Standard API

Confirming (reverse factoring) invoices and payment instructions.

Novicap Dynamic Discounting API

Dynamic discounting suppliers, invoices, payment instructions and adjustments.

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Novicap Confirming Standard API

OPEN COLLECTION

Novicap Confirming Standard Dynamic Discounting API

OPEN COLLECTION

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Novicap Authentication

http/oauth2 · 2 schemes

SECURITY

Novicap Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Login

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

AgentSkill

WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

DataModel

Conformance

Access & Security 4

Authentication, authorization, and security posture

Authentication

Authentication

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: novicap
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/novicap.png
name: Novicap
description: 'Novicap is a Spanish working-capital and supply-chain-finance fintech that helps companies optimize their circulating
  capital. Its REST API (base URL https://api.novicap.com/v1) lets partners programmatically register suppliers, submit and
  manage invoices, and create payment instructions and adjustments across two products: Dynamic Discounting and Confirming
  Standard (reverse factoring). The API uses Bearer API-key authentication with a required product_id scope, JSON payloads,
  and URI-path versioning, and is documented in a public developer reference. Novicap is backed by Partech and Techstars.'
url: https://raw.githubusercontent.com/api-evangelist/novicap/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- partech
- techstars
x-tier: enriched
x-tier-reason: portfolio-lead-with-public-api
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Financial-Services
- Fintech
- Working Capital
- Invoice Finance
- Supply Chain Finance
- Dynamic Discounting
- Confirming
- Reverse Factoring
- Spain
tags_raw:
- Company
- Financial Services
- Fintech
- Working Capital
- Invoice Finance
- Supply Chain Finance
- Dynamic Discounting
- Confirming
- Reverse Factoring
- Spain
apis:
- aid: novicap:novicap-confirming-standard-api
  name: Novicap Confirming Standard API
  description: Confirming (reverse factoring) invoices and payment instructions.
  humanURL: https://developer.novicap.com/
  baseURL: https://api.novicap.com/v1
  tags:
  - Confirming Standard
  properties:
  - type: OpenAPI
    url: openapi/novicap-confirming-standard-api-openapi.yml
  - type: APIReference
    url: https://developer.novicap.com/
  - type: Documentation
    url: https://developer.novicap.com/
- aid: novicap:novicap-dynamic-discounting-api
  name: Novicap Dynamic Discounting API
  description: Dynamic discounting suppliers, invoices, payment instructions and adjustments.
  humanURL: https://developer.novicap.com/
  baseURL: https://api.novicap.com/v1
  tags:
  - Dynamic Discounting
  properties:
  - type: OpenAPI
    url: openapi/novicap-dynamic-discounting-api-openapi.yml
  - type: APIReference
    url: https://developer.novicap.com/
  - type: Documentation
    url: https://developer.novicap.com/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/novicap-overlay.yaml
- type: Website
  url: https://novicap.com/
- type: DeveloperPortal
  url: https://developer.novicap.com/
- type: Blog
  url: https://novicap.com/blog/
- type: Login
  url: https://app.novicap.com/users/sign_in
- type: Support
  url: mailto:support@novicap.com
- type: TermsOfService
  url: https://novicap.com/aviso-legal/
- type: Authentication
  url: authentication/novicap-authentication.yml
- type: Conventions
  url: conventions/novicap-conventions.yml
- type: ErrorCatalog
  url: errors/novicap-problem-types.yml
- type: Lifecycle
  url: lifecycle/novicap-lifecycle.yml
- type: DataModel
  url: data-model/novicap-data-model.yml
- type: Conformance
  url: conformance/novicap-conformance.yml
- type: X-MCPServerCandidate
  url: mcp/novicap-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/novicap-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: WellKnown
  url: well-known/novicap-well-known.yml
- type: SecurityTxt
  url: well-known/novicap-security.txt
- type: VulnerabilityDisclosure
  url: security/novicap-vulnerability-disclosure.yml
- type: Security
  url: https://novicap.com/.well-known/security.txt
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 16
  pass: local-v1

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