Fincura

aid: fincura
name: Fincura
description: Fincura (now part of Abrigo) provides automated financial statement spreading and credit analysis for banks,
  credit unions, and other lenders. Its Automated Spreading and Analysis API ingests borrower financial documents (PDF, Excel,
  and images), spreads them into normalized data views, and runs debt-service-coverage-ratio (DSCR) and global cashflow analyses.
  The REST API (v1) covers borrowers, loans, portfolios, document files, data views, spreading/DSCR/global-cashflow templates,
  financial requirements, custom attributes, embeddable workflow UIs, and HMAC-signed webhooks. Authentication is a bearer
  JWT API key issued per Fincura user account. Originally a Techstars-backed startup, Fincura was acquired by Abrigo.
url: https://raw.githubusercontent.com/api-evangelist/fincura/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: enriched
x-tier-reason: live-openapi-harvested
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://avatars.githubusercontent.com/u/71975225?v=4
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Financial-Services
- Lending
- Credit Analysis
- Financial Spreading
- Banking
- Fintech
- Underwriting
- Company
tags_raw:
- Financial Services
- Lending
- Credit Analysis
- Financial Spreading
- Banking
- Fintech
- Underwriting
- Company
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: fincura:fincura-api-key-api
  name: Fincura Api-Key API
  description: The Api-Key API from Fincura — 1 operation(s) for api-key.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - APIKeys
  tags_raw:
  - Api-Key
  properties:
  - type: OpenAPI
    url: openapi/fincura-api-key-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-borrowers-api
  name: Fincura Borrowers API
  description: A record in our system to link financials and analyses to.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - Borrowers
  properties:
  - type: OpenAPI
    url: openapi/fincura-borrowers-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-customattributes-api
  name: Fincura CustomAttributes API
  description: The CustomAttributes API from Fincura — 2 operation(s) for customattributes.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - Custom Attributes
  tags_raw:
  - CustomAttributes
  properties:
  - type: OpenAPI
    url: openapi/fincura-customattributes-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-dataviews-api
  name: Fincura DataViews API
  description: The DataViews API from Fincura — 7 operation(s) for dataviews.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - DataViews
  properties:
  - type: OpenAPI
    url: openapi/fincura-dataviews-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-dscranalysis-api
  name: Fincura DscrAnalysis API
  description: The DscrAnalysis API from Fincura — 4 operation(s) for dscranalysis.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - DscrAnalysis
  properties:
  - type: OpenAPI
    url: openapi/fincura-dscranalysis-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-dscrtemplate-api
  name: Fincura DscrTemplate API
  description: DSCR Templates
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - DscrTemplate
  properties:
  - type: OpenAPI
    url: openapi/fincura-dscrtemplate-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-embeddeddocument-api
  name: Fincura EmbeddedDocument API
  description: Embedded Document Workflows enable a 3rd party user to use the Fincura UI to complete a portion of our document
    parsing pipeline and then return to the 3rd parties website.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - EmbeddedDocument
  properties:
  - type: OpenAPI
    url: openapi/fincura-embeddeddocument-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-embeddeddscranalysis-api
  name: Fincura EmbeddedDscrAnalysis API
  description: Embedded DSCR Analysis allows an API user to authenticate and embedded previously created DSCR analysis into
    a 3rd party workflow.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - EmbeddedDscrAnalysis
  properties:
  - type: OpenAPI
    url: openapi/fincura-embeddeddscranalysis-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-embeddedfinancials-api
  name: Fincura EmbeddedFinancials API
  description: Embedded Financials allows an API user to authenticate and embedded borrower financials into a 3rd party workflow.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - EmbeddedFinancials
  properties:
  - type: OpenAPI
    url: openapi/fincura-embeddedfinancials-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-embeddedglobalcashflowanalysis-api
  name: Fincura EmbeddedGlobalCashflowAnalysis API
  description: Embedded Global Cashflow Analysis allows an API user to authenticate and embed                                   previously
    created Global Cashflow analyses into a 3rd party applications.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - EmbeddedGlobalCashflowAnalysis
  properties:
  - type: OpenAPI
    url: openapi/fincura-embeddedglobalcashflowanalysis-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-files-api
  name: Fincura Files API
  description: Files serve as the source input data for our insights engine. They are represented by a `DocumentFile` record.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - File
  tags_raw:
  - Files
  properties:
  - type: OpenAPI
    url: openapi/fincura-files-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-financialstatementsubmission-api
  name: Fincura FinancialStatementSubmission API
  description: The FinancialStatementSubmission API from Fincura — 1 operation(s) for financialstatementsubmission.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - FinancialStatementSubmission
  properties:
  - type: OpenAPI
    url: openapi/fincura-financialstatementsubmission-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-globalcashflowanalysis-api
  name: Fincura GlobalCashflowAnalysis API
  description: The GlobalCashflowAnalysis API from Fincura — 5 operation(s) for globalcashflowanalysis.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - GlobalCashflowAnalysis
  properties:
  - type: OpenAPI
    url: openapi/fincura-globalcashflowanalysis-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-globalcashflowtemplate-api
  name: Fincura GlobalCashflowTemplate API
  description: The GlobalCashflowTemplate API from Fincura — 1 operation(s) for globalcashflowtemplate.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - GlobalCashflowTemplate
  properties:
  - type: OpenAPI
    url: openapi/fincura-globalcashflowtemplate-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-loans-api
  name: Fincura Loans API
  description: A Borrower loan record in our system.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/fincura-loans-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-portfolios-api
  name: Fincura Portfolios API
  description: Portfolios allow for grouping Borrowers.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - Portfolio
  tags_raw:
  - Portfolios
  properties:
  - type: OpenAPI
    url: openapi/fincura-portfolios-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-requirements-api
  name: Fincura Requirements API
  description: Set rules/covenants for your borrowers
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - Requirements
  properties:
  - type: OpenAPI
    url: openapi/fincura-requirements-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-spreadingtemplate-api
  name: Fincura SpreadingTemplate API
  description: Spreading Templates
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - SpreadingTemplate
  properties:
  - type: OpenAPI
    url: openapi/fincura-spreadingtemplate-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-tenantsettings-api
  name: Fincura TenantSettings API
  description: The TenantSettings API from Fincura — 1 operation(s) for tenantsettings.
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - TenantSettings
  properties:
  - type: OpenAPI
    url: openapi/fincura-tenantsettings-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
- aid: fincura:fincura-webhooks-api
  name: Fincura Webhooks API
  description: "## Supported Events\n\nThe following are events you can listen to via webhooks.\n\n| Event Type     \
    \ | Description     | \n| --------------------------------------------- | -------------------------- |\n| GlobalCashflow.Saved\
    \ | A global cashflow analysis has been saved by the user | \n| Analysis.Saved | An analysis has been saved by the user\
    \ | \n| DocumentFile.Received | File saved/received to the Fincura Platform | \n| DocumentFile.Processing | File is being\
    \ processed by the Fincura Pipeline | \n| DocumentFile.HumanRequired | Human Intervention is required for file | \n| DocumentFile.SpreadComplete\
    \ | File data spread to a template (data now normalized/standardized) | \n| DocumentFile.Error | Error processing DocumentFile\
    \ | \n| BulkFile.Received | Bulk File saved/received to the Fincura Platform | \n| BulkFile.Processing | Bulk File is\
    \ being processed by the Fincura Pipeline | \n| BulkFile.Processed | Bulk File has completed processing | \n| BulkFile.Error\
    \ | Error processing BulkFile | \n| * | Wildcard for all events | \n| Template.Changed | A change was detected in a template\
    \ for spreading, global cashflow, or DSCR analysis | \n| Borrower.CreatedFromImport | A Borrower was created from processing\
    \ a file import | \n| CalculatedStatement.Update | A calculated statement has been updated by the user | \n| ForecastedStatement.Update\
    \ | A forecasted statement has been updated by the user | \n| AnnualizedStatement.Update | An annualized statement has\
    \ been updated by the user | \n\n\n## Webhook Request Body\n\nThe webhook POST request body will contain the following\
    \ json parameters:\n\n- `event` the event that triggered the callback (e.g. `DocumentFile.Received`)\n- `transaction_id`\
    \ a unique UUID representing the event\n- `payload` additional event specific parameters\n\n## Webhook Signatures\n\n\
    All of our outgoing webhook requests contain a `X-Fincura-Signature` header which has been signed by a tenant specific\
    \ key. This allows a 3rd party to validate requests are from Fincura's servers.\n\nThe header contains a list of comma\
    \ seperated key value pairs:\n\n- `t` - UTC timestamp of the request\n- `uuid` - the UUID of the webhook record\n- `v1`\
    \ - signature of the message [(HMAC_SHA256)](https://en.wikipedia.org/wiki/HMAC)\n\n### Obtaining the Tenant Signing Key\n\
    \nSee: [Get Tenant Settings](#operation/readTenantSettings) which returns a `webhook_signing_key`\n\n### Calculating the\
    \ Message Signature\n\nThe webhook message signature is calculated by joining the `timestamp` of the request, the `uuid`\
    \ of the webhook and the `body` of the request with periods (`.`) into a single string.\n\nThe signature is generated\
    \ by creating a HMAC SHA256 signature of that message using the tenant signing key.\n\nThe calculated signature can then\
    \ be matched to the `v1` signature in the `X-Fincura-Signature` header to verify the request originated from Fincura and\
    \ the body has not been tampered with.\n\nNOTE: Fincura periodically rotates signing keys for security purposes, if a\
    \ signature mismatch if found, it is recommended to make sure you are using the latest signing key.\n\nPython example\
    \ of validating a signature:\n```\n#!/usr/bin/env python\nimport hmac\nimport hashlib \n\nSIGNING_KEY = \"tenant signing\
    \ key\" # Obtained via API call to `operation/readTenantSettings`\n\ndef create_message(timestamp, uuid, body):\n    return\
    \  f\"{timestamp}.{uuid}.{body}\"\n\ndef create_sha256_signature(key, message):\n    message = message.encode()\n    return\
    \ hmac.new(key.encode('utf-8'), message, hashlib.sha256).hexdigest().upper()\n\ndef verify_fincura_header(signature_header,\
    \ request_body):\n    header_params = {kv[0]:kv[1] for kv in param.split('=') for param in signature_header.split(',')}\
    \ \n    message = create_message(header_params['t'], header_params['uuid'], request_body)\n    signature = create_sha256_signature(SIGNING_KEY,\
    \ message)\n\n    if signature != header_params['v1']:\n        raise Exception('Webhook Signature Mismatch')\n\n// for\
    \ example (signature shortened for brevity)\nheader_value = 't=1602104227,uuid=5262fc90-eb99-4bd8-8712-ae50fc71ea92,v1=E9397...9C3332'\n\
    request_body = '{\"event:\"value\"}'\n\nverify_fincura_header(header_value, request_body)\n```"
  humanURL: https://api.fincura.com/v1/redoc/
  baseURL: https://api.fincura.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/fincura-webhooks-api-openapi.yml
  - type: APIReference
    url: https://api.fincura.com/v1/redoc/
common:
- type: CapabilityMap
  url: capabilities/fincura-capability-edges.yml
  name: Fincura Business Capability Map
- type: Overlay
  url: overlays/fincura-openapi-overlay.yaml
- type: AgenticAccess
  url: agentic-access/fincura-agentic-access.yml
- type: DomainSecurity
  url: security/fincura-domain-security.yml
- type: Authentication
  url: authentication/fincura-authentication.yml
- type: Packages
  url: packages/fincura-packages.yml
- type: SDKs
  url: packages/fincura-packages.yml
- type: X-MCPServerCandidate
  url: mcp/fincura-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/fincura-llms.txt
- type: Conformance
  url: conformance/fincura-conformance.yml
- type: ErrorCatalog
  url: errors/fincura-problem-types.yml
- type: Lifecycle
  url: lifecycle/fincura-lifecycle.yml
- type: Conventions
  url: conventions/fincura-conventions.yml
- type: Components
  url: components/fincura-components.yml
- type: DataModel
  url: data-model/fincura-data-model.yml
- type: Webhooks
  url: asyncapi/fincura-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Spread a borrower financial statement and run DSCR analysis
  url: arazzo/fincura-spread-and-analyze.yml
- type: GitHubOrganization
  url: https://github.com/fincura
- type: Login
  url: https://app.fincura.com/
- type: Website
  url: https://www.abrigo.com/
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence