> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finpace.tech/llms.txt
> Use this file to discover all available pages before exploring further.

# Affordability, scoring, and decisioning

> Responsible-lending checks, score orchestration, pricing inputs, and asynchronous decisions.

# Affordability, scoring, and decisioning

## Affordability assessment

Finpace supports affordability assessment records that capture:

* declared and verified income
* recurring commitments
* debt-to-income ratio
* overcommitment indicators
* disposable-income result
* jurisdiction-specific responsible-lending checks
* supporting evidence references

## External scoring and bureau orchestration

The decisioning layer supports:

* internal scorecards
* third-party decision engines
* bureau calls
* open-banking data pulls
* fraud checks
* callback-driven delayed decisions
* manual referral queues

## Decision results

A decision result can be:

* approved
* conditionally approved
* referred
* declined
* expired

Each result records:

* decision package id
* score inputs and outputs
* pricing factors
* exception reason
* approver identity where relevant
* final offer reference

## Personalized offers

Offer generation supports:

* product comparison
* rate and fee personalization
* channel-specific terms
* expiry windows
* acceptance controls
* downstream contract creation