Use Case
Pull bank statement, bureau and tax data through standalone FinHub APIs, and apply your own underwriting policy on top.
The Problem
Underwriting is slow, manual and inconsistent
- Analysts manually review bank statements and payslips
- Bureau, GST and ITR data live in separate systems with different formats
- Approval turnaround varies by branch and analyst
The FinHub Approach
One consistent data layer, your decision logic
FinHub's standalone Financial Assessment APIs give your underwriting engine consistent, real-time data — no manual reconciliation across vendors.
- Automated bank statement and payslip analysis via dedicated APIs
- Bureau, GST and ITR data returned in a common, structured format
- Your team applies its own approval rules on top of FinHub's data and scores
Reference Architecture
How lenders typically combine these APIs
Most lenders combine the following standalone FinHub APIs into their own underwriting engine. Decisioning and disbursal stay on your systems.
Application intake
Your origination system captures applicant details and documents through your existing channel.
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Backed by the FinHub API Platform
Every workflow on this page runs on standalone, production APIs already serving regulated institutions.
Industries
Built for regulated finance
“Our average loan approval time dropped from 48 hours to 20 minutes after we replaced five data vendors with FinHub's APIs.”
Chief Risk Officer · NBFC
FAQ
Digital Lending — FAQs
FinHub combines bank-statement analysis, credit signals and identity verification behind one integration, so underwriting runs on structured data and decisions move from days to minutes.
Ready to accelerate lending?
See how our standalone Financial Assessment APIs fit into your existing underwriting stack.