# Brightfield Software Underwriting API

**Canonical:** https://apis.io/apis/distyra/distyra-underwriting-api/  
**Provider:** Brightfield Software — https://apis.io/providers/distyra/  
**Base URL:** https://api.distyra.com  
**Documentation:** https://www.distyra.eu/reference

Brightfield Software Underwriting API is one of 9 APIs that [Brightfield Software](https://apis.io/providers/distyra/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Underwriting. The published artifact set on APIs.io includes an OpenAPI specification.

Applicant-level underwriting feature layer: turnover, recurring revenue, debt service, customer concentration, tax payments, statutory contributions. Lender-side persistence only (7-day re-fetch window); transaction content is never retained beyond purge. See `POST /v1/underwrite/analyze` for the main entry point.

## Operations (20)

| Method | Path | Summary |
|---|---|---|
| POST | `/v1/underwrite/analyze` | Run underwriting analysis on an SMB applicant (JSON) |
| POST | `/v1/underwrite/analyze/statement` | Run underwriting analysis on uploaded bank statement files |
| POST | `/v1/underwrite/analyze/statement/async` | Submit a PDF bank statement for background underwriting analysis |
| GET | `/v1/underwrite/analyze/statement/async/{id}` | Poll status + result of a submitted async PDF analysis |
| POST | `/v1/underwrite/analyze/statement/parsed` | Run underwriting analysis on a browser-parsed PDF statement (JSON) |
| POST | `/v1/underwrite/analyze/statement/parsed/async` | Submit a browser-parsed PDF statement for background analysis |
| POST | `/v1/underwrite/feedback` | Submit corrections for a previous underwriting analysis |
| GET | `/v1/underwrite/analyses/{id}` | Re-fetch a previous underwriting analysis (7-day window) |
| GET | `/v1/underwrite/analyses/{id}/report` | Download a statement evidence report (PDF or CSV) |
| GET | `/v1/underwrite/analyses` | List past underwriting analyses (billing transparency) |
| POST | `/v1/underwrite/ingest` | Upload a bank statement (or ZIP of statements) and return parsed transactions |
| POST | `/v1/underwrite/ingest/batch` | Multi-file statement upload (multipart-with-N-files or ZIP) |
| GET | `/v1/underwrite/ingestions/{id}` | Re-fetch a previous ingestion within the 7d window |
| GET | `/v1/underwrite/ingestions` | List past ingestions (billing transparency) |
| POST | `/v1/underwrite/collection-links` | Mint a borrower statement-collection link |
| GET | `/v1/underwrite/collection-links` | List your collection links |
| GET | `/v1/underwrite/collection-links/{id}` | Read a collection link (status) |
| DELETE | `/v1/underwrite/collection-links/{id}` | Revoke a collection link |
| POST | `/v1/underwrite/collection-links/{id}/files` | Stage a statement file on a collection link |
| POST | `/v1/underwrite/collection-links/{id}/finish-analyze` | Run one consolidated analysis over the staged files and complete the link |

## Machine-readable artifacts (1)

- **OpenAPI** — https://artifacts.apis.io/distyra/openapi/distyra-underwriting-api-openapi.yml

## Other Brightfield Software APIs (8)

- [Brightfield Software Authentication API](https://apis.io/apis/distyra/distyra-authentication-api/)
- [Brightfield Software Billing API](https://apis.io/apis/distyra/distyra-billing-api/)
- [Brightfield Software Catalog API](https://apis.io/apis/distyra/distyra-catalog-api/)
- [Brightfield Software Connect API](https://apis.io/apis/distyra/distyra-connect-api/)
- [Brightfield Software Enrichment API](https://apis.io/apis/distyra/distyra-enrichment-api/)
- [Brightfield Software Feedback API](https://apis.io/apis/distyra/distyra-feedback-api/)
- [Brightfield Software System API](https://apis.io/apis/distyra/distyra-system-api/)
- [Brightfield Software Webhooks API](https://apis.io/apis/distyra/distyra-webhooks-api/)

## Tags

Underwriting

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/distyra/distyra-underwriting-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/distyra/.