> ## Documentation Index
> Fetch the complete documentation index at: https://docs.swippee.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Underwriting

> Full lender decision: FOIR, disposable income, max supportable EMI, risk flags, and an approve/review/decline verdict. Bills 1 unit per call.



## OpenAPI

````yaml /openapi.json post /v1/reports/{id}/underwriting
openapi: 3.1.0
info:
  title: Swippee API
  version: 1.0.0
  description: >-
    Convert Nepali bank statement PDFs into structured financial data, derive
    lending products from a parse, and read Nepal's public-sector financial
    datasets — over one REST API.
servers:
  - url: https://api.swippee.com
    description: Production
security:
  - bearerAuth: []
paths:
  /v1/reports/{id}/underwriting:
    post:
      tags:
        - Products
      summary: Underwriting
      description: >-
        Full lender decision: FOIR, disposable income, max supportable EMI, risk
        flags, and an approve/review/decline verdict. Bills 1 unit per call.
      operationId: postUnderwriting
      parameters:
        - $ref: '#/components/parameters/ReportId'
      requestBody:
        required: false
        content:
          application/json:
            schema:
              type: object
              properties:
                monthly_obligations:
                  type: number
                  description: Existing obligations not visible on the statement.
                requested_amount:
                  type: number
                tenure_months:
                  type: integer
      responses:
        '200':
          $ref: '#/components/responses/ProductView'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  parameters:
    ReportId:
      name: id
      in: path
      required: true
      schema:
        type: string
      example: cl_abc123
  responses:
    ProductView:
      description: A product view of a completed report
      content:
        application/json:
          schema:
            type: object
    Unauthorized:
      description: Authentication failed
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    Error:
      type: object
      description: >-
        Flat, industry-standard error envelope. Branch on error_code, not the
        HTTP status.
      properties:
        error_type:
          type: string
          example: AUTHENTICATION_ERROR
        error_code:
          type: string
          example: INVALID_API_KEY
        error_message:
          type: string
          example: Unknown API key.
        display_message:
          type: string
          nullable: true
          example: null
        request_id:
          type: string
          example: req_8f3c9b2e4a1d4f7c9e0b1a2c3d4e5f60
        documentation_url:
          type: string
          example: https://docs.swippee.com/concepts/errors#invalid_api_key
        suggested_action:
          type: string
          example: Check your API key in the Authorization header.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: >-
        Your API key from the dashboard, sent as `Authorization: Bearer
        swippee_sk_live_...`.

````