Reported debt, as the company states it
Total debt in the issuer's own words and the newest balance-sheet debt balances, each with its date, currency and source filing. Categories that overlap stay separate and are never added together.
Debt & covenants · REST API · MCP
Debt data API and MCP server: notes, loans, credit facilities and covenants
Read how a listed company borrows: the debt totals it reports, each note series, term loan and revolving credit facility with its principal, balance and maturity, and the covenant terms its governing agreements set, from events of default and reporting duties to limits on liens and new debt. Every figure and clause links to the filing it came from, with the exact quote. Ask Claude, ChatGPT or any MCP client, or call the REST API from your own code.
Using ChatGPT or Claude? Add this data to your AI — no code needed.
Free: 100 requests a day, no credit card. One account works with REST and MCP.
Works with
Claude
ChatGPT
Gemini
MCP
What the API and the MCP tools cover
Both surfaces read the same store the Equibles pages render, so a figure on the site and a figure in your code agree.
Every note, loan and facility
Each identified instrument keeps one stable ID across filings, with its legal issuer, original and outstanding principal, carrying amount, commitment, availability and maturity, plus CUSIP or ISIN aliases where the filing gives them.
Covenant terms from the agreement
Verified clauses from the governing indenture or credit agreement and its amendments: events of default, reporting duties, change of control, liens, mergers, restricted payments and financial tests with their threshold when the agreement states one.
REST endpoints and MCP tools
Every endpoint below is a GET under the api.equibles.com/v1 base URL, authenticated with an API key. Each MCP tool answers the same question in plain English from Claude, ChatGPT or any connected client.
GET /v1/stocks/{ticker}/debt-profileGET /v1/stocks/{ticker}/debt-instruments/{instrumentId}
GetDebtProfile
GetDebtInstrument
The same question, three ways
One free key covers the MCP server and the REST API; the browser needs no key at all.
REST
curl "https://api.equibles.com/v1/stocks/SYY/debt-profile?reportedTotalLimit=2&instrumentLimit=3" -H "Authorization: Bearer eq_YOUR_KEY"
MCP, in Claude or ChatGPT
“Using Equibles, list Sysco's notes and credit facilities with their maturities and quote the covenant terms verified so far.”
Name Equibles in the prompt so the model calls the tool instead of answering from memory. Connection guides
Read the coverage, not just the rows
An empty or short profile is not evidence that a company has no debt or no covenants. Each profile states the filings examined through a date, the documents still waiting and any agreement whose sections could not be verified, so you can tell missing coverage from absence.
Covenant terms are the clauses an agreement sets, not a compliance result. A threshold appears only when the agreement states the test, and a comparison inside a prohibition is not a standalone minimum; read the clause's summary and quote together.
What the API preserves
- The issuer's reported total, never a sum of the instruments found so far
- One stable ID per note series or facility across every later filing
- Separate original principal, outstanding principal, carrying amount, commitment and availability, each with its own date
- The exact provision reference, quote and source document behind every covenant term
- Amendments as new versions that close the provision they replace, never an overwrite
Use the data in code, AI, or the browser
Choose the interface that fits the work; all three read the same store.
Frequently asked questions
What is a debt data API?
It returns a company's borrowing as structured data: the debt totals it reports, each note, term loan and credit facility with its balances and maturity, and the covenant terms set by the agreements behind them, every value linked to the filing it came from.
Which companies are covered?
Listed companies that file annual and interim reports: SEC filers through their 10-K, 10-Q, 20-F, 40-F and 8-K filings and debt exhibits, plus supported European, mainland Chinese and Hong Kong annual reports. Private borrowers that file nothing publicly are not covered, and registered investment funds sit outside debt profiles.
Does it track covenant compliance?
No. It returns the covenant terms an agreement sets, with the provision reference and quote, and only clauses an independent check verified. Whether a company met a test on a given date is a separate statement in its filings; the API never infers it.
Why is an instrument or covenant missing?
Coverage grows filing by filing. The profile reports the filings examined through a date, the backlog still waiting and any agreement with sections that could not be verified, so a gap reads as unexamined, never as no debt.
Can I read debt profiles in Claude or ChatGPT?
Yes. Connect the Equibles MCP server and ask for a company's debt by ticker; GetDebtProfile returns the totals and instruments, and GetDebtInstrument pages one instrument's filing history, covenant terms and source documents. For a listing outside the US, pass MIC:TICKER. The REST API returns the same data as JSON for US tickers.
Is there a free debt data API?
Yes. The Equibles free tier includes 100 requests a day, shared across the REST API and MCP server, with no credit card. Paid plans raise the limit.
Start reading company debt as data.
One free key for reported debt, instruments and covenant terms, over REST and MCP.