Fincura
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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Fincura the way a machine reads it — 46 machine-readable artifacts across 1 API, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Fincura scores 33.1/100 (thin), with a separate agent-readiness read of 25/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Fincura
Each block below is one kind of artifact we hold for Fincura. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 20
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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 | | ----------------------------------...
Scroll within the panel for all 20 ·
Open Collections 21
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key Borrowers API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key DataViews API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key DscrAnalysis API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key DscrTemplate API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key Files API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key Loans API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key Portfolios API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key Requirements API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key TenantSettings API
OPEN COLLECTIONAutomated Spreading and Analysis Api-Key Webhooks API
OPEN COLLECTIONScroll within the panel for all 21 ·
Arazzo Workflows 1
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
Spread a borrower financial statement and run DSCR analysis
Creates a borrower, uploads a financial document for automated spreading, retrieves the normalized data view, then runs a DSCR analysis and downloads it.
ARAZZOEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Fincura Webhooks
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Fincura — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 1
Portal, sign-up, and the first successful call
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Company 1
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/fincura · machine-readable index on apis.io
This is an independent, third-party profile of Fincura, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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