Documentation Index
Fetch the complete documentation index at: https://docs.finpace.tech/llms.txt
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Lending origination
Main objects
Credit application
The application record stores:- borrower and related parties
- requested facility
- source channel
- product reference
- required documents
- underwriting stage
- submission status
Underwriting package
A derived working set used for assessment:- financial inputs
- bureau or open banking data
- fraud and KYB results
- collateral proposals
- covenant proposals
- analyst commentary
- approval conditions
Offer
The commercial or conditional outcome of a decisioning flow.Supported origination patterns
- digital self-service
- RM-assisted origination
- branch-assisted capture
- partner-originated application
- pre-approved or pre-qualified flow
Decisioning pattern
- Capture application
- Validate minimum data
- Pull external signals
- Run eligibility
- Run credit and fraud checks
- Produce referral or decision
- Generate conditional or final offer
- Route to approval if needed
- Bind offer and create facility
Evidence and explainability
Every decision preserves:- input source
- rule set version
- external data provider response id
- analyst override reason
- approval chain
- resulting offer or decline rationale
AI usage in origination
Allowed AI uses:- summarizing application packs
- extracting information from uploaded documents
- proposing missing-information requests
- drafting credit memos for analyst review
- highlighting inconsistencies across data sources
- final credit approval
- collateral waiver
- covenant relaxation
- pricing override