Products
creditPremium analysis — 1 unit per call
Swippee Underwriting
One call, one lending decision.
The capstone over a parsed statement: FOIR and disposable income, the maximum EMI the applicant can support under your FOIR ceiling, affordability for a specific requested loan or EMI, structured risk flags, an optional applicant name-match, and a fused approve / review / decline verdict. Every decision ships with plain-English reasons and the contributing Score + Verify verdict — no black box, fully auditable for regulated lenders.
Method
POST
Endpoint
/v1/reports/:id/underwriting
Billing
Premium
Quick action
POST /v1/parse then fetch this endpoint
Primary intent
Evaluate applicants faster with structured output
Compliance
Trace decisions to report IDs and signed events
One parse, many views
Fetch this product from the same report ID without re-uploading the customer statement.
Developer shaped
Stable JSON, explicit fields, predictable billing, and examples that map directly to the docs.
Audit friendly
The output keeps the decision signal and the source report tied together for review.
What you get
- FOIR, disposable income, and max supportable EMI under your ceiling
- Affordability check for a specific EMI — or derived from loan terms
- Fused approve / review / decline with plain-English reasons
- Bundles the Swippee Score + Verify verdict + risk flags in one call
- Optional applicant name-match against the statement holder
Built for
- Digital lenders & BNPL — instant loan decisioning
- MFIs & co-ops — replace manual statement review
- Loan affordability & pre-qualification offers
Request
curl -X POST https://api.swippee.com/v1/reports/cl_abc123/underwriting \
-H "Authorization: Bearer $SWIPPEE_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"applicant_name": "Ram Bahadur Thapa",
"foir_ceiling": 0.5,
"loan": { "principal": 500000, "tenor_months": 36, "annual_rate_pct": 14 }
}'Response
{
"decision": "approve",
"repayment_capacity": "strong",
"income": { "monthly_income": 72000, "income_basis": "recurring", "stability_score": 87 },
"obligations": {
"existing_emi_monthly": 12000,
"foir": 16.67,
"foir_ceiling": 50,
"disposable_income": 60000,
"max_supportable_emi": 24000
},
"affordability": {
"requested_emi": 17087.43,
"affordable": true,
"post_loan_foir": 40.4,
"shortfall": 0
},
"verification": { "verdict": "authentic", "confidence": 1.0 },
"name_match": { "result": "match", "score": 1.0 },
"risk_flags": [],
"reasons": ["Repayment capacity strong; no blocking risk flags; requested EMI is affordable"]
}