Credit & Lending Management

BC-1320 Level 1 Banking & Capital Markets 2 providers 6 API surfaces 1 rated strong or better

Credit origination, underwriting, loan servicing, collections, portfolio management.

Credit & Lending Management (BC-1320) is a level-1 business capability in the Banking & Capital Markets model. The catalog holds 6 API surface(s) from 2 provider(s) that can perform some part of it, 1 of them rated strong or better. Reach is the vendor surface that lands on this capability — it is not a claim about what any particular organisation has deployed.

Where this capability definition comes from. This capability is part of a published business-architecture model that API Evangelist did not author. It is redistributed here under CC-BY-4.0. Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities, CC BY 4.0 Changes: Consolidated from 333 per-L1 YAML files into one JSON; English only (upstream i18n/ omitted); descriptions whitespace-normalised. No capability was added, removed, renamed or re-parented. Source repository · NOTICE and third-party framework attributions

Sub-capabilities

Credit Origination Management BC-1320.10

Credit application intake, pre-screening, origination workflows.

1 provider, 2 API surfaces

Credit Underwriting & Decisioning Management BC-1320.20

Underwriting, financial spreading, decisioning, delegated authority.

2 providers, 4 API surfaces

Loan Servicing Management BC-1320.30

Loan servicing, payments, schedule changes, modifications.

no catalog coverage

Collections & Recoveries Management BC-1320.40

Collections, restructuring, recovery operations, NPL workout.

no catalog coverage

Loan Portfolio Management BC-1320.50

Portfolio analytics, optimisation, capital management.

no catalog coverage

Credit Risk Modelling Management BC-1320.60

PD/LGD/EAD models, IRB, IFRS 9 ECL.

no catalog coverage

Providers that reach this capability

Ordered by rating band. Reach means a provider publishes an API surface that can perform some part of this capability — it is not a claim that any particular organisation has deployed it.

Strong 1 Solid coverage with minor gaps

HeronBrokerSubmissionsEndUserCalculationsEndUserRulesISOApplication5 APIs63.6

Developing 1 Usable, with meaningful gaps to close

FinicitySmall Business Credit Analytics1 API49.7

Workflows that realise this capability

Arazzo workflows whose own sourceDescriptions call APIs that carry this capability. The link is derived, not asserted: each workflow declares x-realizes-capability-ids with the spec and confidence behind it.

CrediLinq — Create and disburse a loan — credilinqai · Loan Servicing Management BC-1320.30
CrediLinq — Onboard a customer and complete KYC — credilinqai · Credit Origination Management BC-1320.10
Submit a lead and retrieve its rate table — even-financial · Credit Origination Management BC-1320.10
Spread a borrower financial statement and run DSCR analysis — fincura · Credit Underwriting & Decisioning Management BC-1320.20
Create a Slope order and finalize it — slope · Loan Servicing Management BC-1320.30
Refund a finalized Slope order — slope · Loan Servicing Management BC-1320.30
Estimate and repay a Slope order — slope · Loan Servicing Management BC-1320.30
Simulate an approved order in the sandbox — slope · Loan Servicing Management BC-1320.30
Temenos BNPL Generate Offer And Accept Into Loan — temenos · Credit Origination Management BC-1320.10

This page carries no rating. Capabilities are not rated. A capability is a description of what a business does, not a thing a company publishes, so a Kin Score would have nothing to measure.

The edge table is a Pro feature. This page shows which providers and tags reach Credit & Lending Management. The underlying tag → capability edges — each with the quoted fragment of the provider's own OpenAPI that evidences it, a calibrated confidence score, and the contract-provenance gate it passed — are available through the API, along with company-level capability maps. Only edges at confidence ≥ 0.7 with evidence found verbatim in the source contract are published at all.

See plans → · How the edges are graded →