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By the job — underwrite a loan

Every loan stalls on the same thing: proving income that plainly exists.

A US mortgage file waits three weeks on paystubs, bank statements and a gift-letter chase. A teacher in Lagos is declined for having no file at all. Same failure, different continent. Underwrite from the account instead: verified income and assets, real obligations, a stress test, and arithmetic you can show an examiner.

Underwrite a live file What a bureau would have said
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The affordability worksheet

The whole decision, arithmetic included.

Pick an applicant, set the amount and the term, and watch a real amortisation run against verified income. Every line below is a number you could recompute by hand in front of an examiner.

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What they asked for
Principal requested {{ principalLabel }}
Term
The arithmetic
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Decision {{ verdictLabel }} {{ dsrLabel }}

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Counter-offer available: {{ counterLabel }} {{ counterNote }}
Reason codes on the response
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Evidence behind the numbers
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Inspect provenance per field →

The same applicant, two lenses

A bureau sees an absence. The account sees a person.

This is the whole argument for underwriting from the connection. Neither column is flattering to the other — one of them is simply looking at more.

Bureau file {{ bureauVerdict }}
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{{ bureauNote }}
Fintegral connection {{ connVerdict }}
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{{ connNote }}

In your code

One call returns the worksheet, not a verdict.

We hand back the components — verified income, obligations, the stressed instalment, the binding constraint and the reason codes. Your policy turns that into an offer, a counter or a decline.

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POST /v1/affordability 200 · 412ms
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Lending responsibly

Access without recklessness. Both, or neither is worth much.

Lending to someone who cannot repay is not inclusion. Five guardrails are in the model by default.

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By the job you are doing

Underwriting is one job. There are five more.

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Underwrite the person in front of you.

Sandbox files for all three applicants above, in every market we cover, on the same schema.