# Novicap

**Canonical:** https://apis.io/providers/novicap/  
**Website:** https://novicap.com/  
**APIs profiled:** 2

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.

## Kin Score — 24.2 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (-1.5 from 25.7).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 13.3 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 30.4 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

## Agent readiness — 31.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **Novicap Confirming Standard API** — Confirming (reverse factoring) invoices and payment instructions.
- **Novicap Dynamic Discounting API** — Dynamic discounting suppliers, invoices, payment instructions and adjustments.

## MCP servers (1)

- **novicap-mcp.yml**

## Security (2)

- **Novicap Authentication** — http/oauth2 · 2 schemes
- **Novicap Vulnerability Disclosure** — Hackerone · security.txt · contact published

## Tags

Company, Financial Services, Fintech, Working Capital, Invoice Finance, Supply Chain Finance, Dynamic Discounting, Confirming, Reverse Factoring, Spain

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/novicap/). Scores are computed from the provider's own public artifacts under a published rubric.