# Fincura

**Canonical:** https://apis.io/providers/fincura/  
**Website:** https://www.abrigo.com/  
**APIs profiled:** 20

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.

## Kin Score — 30.9 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 30.9).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 56.3 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 6.6 |
| Access Clarity | 6.6 |

Regulatory layer — **Insurance**: 25.8 (matched via tags).

## Agent readiness — 34.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | derived |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (20)

- **Fincura Api-Key API** — The Api-Key API from Fincura — 1 operation(s) for api-key.
- **Fincura Borrowers API** — A record in our system to link financials and analyses to.
- **Fincura CustomAttributes API** — The CustomAttributes API from Fincura — 2 operation(s) for customattributes.
- **Fincura DataViews API** — The DataViews API from Fincura — 7 operation(s) for dataviews.
- **Fincura DscrAnalysis API** — The DscrAnalysis API from Fincura — 4 operation(s) for dscranalysis.
- **Fincura DscrTemplate API** — DSCR Templates
- **Fincura EmbeddedDocument API** — 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.
- **Fincura EmbeddedDscrAnalysis API** — Embedded DSCR Analysis allows an API user to authenticate and embedded previously created DSCR analysis into a 3rd party workflow.
- **Fincura EmbeddedFinancials API** — Embedded Financials allows an API user to authenticate and embedded borrower financials into a 3rd party workflow.
- **Fincura EmbeddedGlobalCashflowAnalysis API** — Embedded Global Cashflow Analysis allows an API user to authenticate and embed previously created Global Cashflow analyses into a 3rd party applications.
- **Fincura Files API** — Files serve as the source input data for our insights engine. They are represented by a `DocumentFile` record.
- **Fincura FinancialStatementSubmission API** — The FinancialStatementSubmission API from Fincura — 1 operation(s) for financialstatementsubmission.
- **Fincura GlobalCashflowAnalysis API** — The GlobalCashflowAnalysis API from Fincura — 5 operation(s) for globalcashflowanalysis.
- **Fincura GlobalCashflowTemplate API** — The GlobalCashflowTemplate API from Fincura — 1 operation(s) for globalcashflowtemplate.
- **Fincura Loans API** — A Borrower loan record in our system.
- **Fincura Portfolios API** — Portfolios allow for grouping Borrowers.
- **Fincura Requirements API** — Set rules/covenants for your borrowers
- **Fincura SpreadingTemplate API** — Spreading Templates
- **Fincura TenantSettings API** — The TenantSettings API from Fincura — 1 operation(s) for tenantsettings.
- **Fincura Webhooks API** — ## Supported Events The following are events you can listen to via webhooks. | Event Type      | Description | | ----------------------------------...

## MCP servers (1)

- **Fincura MCP Server**

## Agentic access (1)

- **Fincura Agentic Access** — 67 operations · 29 acting

## Security (2)

- **Fincura Authentication** — http · 1 scheme
- **Fincura Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Lending, Credit Analysis, Financial Spreading, Banking, Fintech, Underwriting, Company

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/fincura/). Scores are computed from the provider's own public artifacts under a published rubric.