Get instant underwriting decisions in 45 seconds

Developer Documentation

Everything you need to integrate UnderwriteX API into your application

Quick Start

Get up and running in minutes with our JavaScript SDK

Quick Start Example
// Install the UnderwriteX SDK
npm install @underwritex/api

// Initialize the client
import { UnderwriteX } from '@underwritex/api';

const underwritex = new UnderwriteX({
  apiKey: 'your_api_key_here',
  environment: 'sandbox' // or 'production'
});

// Submit an application
const result = await underwritex.applications.submit({
  merchant: {
    businessName: 'ABC Restaurant',
    dba: 'ABC Bistro',
    ein: '12-3456789',
    address: {
      street: '123 Main St',
      city: 'New York',
      state: 'NY',
      zip: '10001'
    }
  },
  documents: {
    application: 'base64_encoded_application',
    bankStatements: [
      'base64_encoded_statement_1',
      'base64_encoded_statement_2',
      'base64_encoded_statement_3'
    ]
  },
  requestedAmount: 50000
});

console.log('Application ID:', result.applicationId);
console.log('Decision:', result.decision);
console.log('Offer Terms:', result.offer);

API Documentation

Comprehensive guides and references for all API endpoints

Getting Started

Quick start guide and authentication setup

  • Authentication & API Keys
  • Making Your First Request
  • Rate Limits & Best Practices
  • Testing with Sandbox Mode

API Reference

Complete API documentation with examples

  • Submit Application
  • Get Decision Status
  • Retrieve Documents
  • Update Deal Status
  • Bulk Operations

Webhooks

Real-time notifications and event handling

  • Webhook Overview
  • Event Types
  • Security & Verification
  • Retry Logic
  • Testing Webhooks

Security

Security protocols and compliance requirements

  • Authentication Methods
  • Data Encryption
  • IP Allow-listing
  • Audit Logging
  • Compliance Guidelines

Webhook Events

Receive real-time notifications when applications are processed

Available Events

application.received
Application successfully uploaded and validated
application.processing
AI analysis has started
application.decision
Underwriting decision is available
contract.signed
Merchant has signed the contract
funding.completed
Funds have been disbursed
payment.received
Daily ACH payment collected
Webhook Payload
{
  "event": "application.decision",
  "timestamp": "2025-01-27T10:30:00Z",
  "data": {
    "applicationId": "app_123456",
    "merchantId": "merchant_789",
    "decision": "approved",
    "offer": {
      "amount": 45000,
      "factor": 1.25,
      "term": 180,
      "paymentAmount": 312.50,
      "frequency": "daily"
    },
    "riskScore": 720,
    "conditions": []
  }
}

SDKs & Libraries

Official libraries for popular programming languages

JavaScript

Available
@underwritex/api

Python

Available
underwritex-python

PHP

Available
underwritex/php-sdk

Ruby

Coming Soon
underwritex-ruby

Go

Coming Soon
underwritex-go

C#

Coming Soon
UnderwriteX.NET

API Status & Support

99.9%
Uptime
< 200ms
Response Time
24/7
Support

Note: This documentation page is a placeholder. Complete API documentation will be available upon platform launch.