Fintech & Banking

Decision-grade Credit Intelligence for Fintechs & Financiers.

From embedded credit intake APIs for neobanks to automated pre-underwriting and traceable AI Act compliance for banks and credit funds.

Request Enterprise Sandbox View API Specifications

API-First Architecture

Real-time Pre-Underwriting via REST & Webhooks

Connect the voice intake or document-parsing directly to your existing underwriting pipeline. Within 60 seconds, your core banking system receives normalized ratios and structured files.

Asynchronous Event WebhooksGet an immediate ping as soon as an entrepreneur approves their Light report via the secure link.

Banking Normalization EngineStandardizes profit and loss statements to adjusted EBITDA in accordance with EBA guidelines.

EU AI Act ComplianceEvery parameter contains a forensic source reference to the source document or the audio transcription.

POST /v1/dossiers/pre-underwrite

REST API v1.4

// 1. Ingest intake audio of documenten
curl -X POST https://api.dealpiloot.nl/v1/dossiers/pre-underwrite \
  -H "Authorization: Bearer sec_live_9f82d1..." \
  -H "Content-Type: application/json" \
  -d '{
    "tenant_id": "fintech_capital_bv",
    "borrower_kvk": "74829103",
    "intake_audio_url": "https://vault.secure/audio_intake_092.mp3",
    "documents": [
      { "type": "JAARREKENING_2024", "url": "https://vault.secure/jr_2024.pdf" },
      { "type": "BANKMUTATIES_90D", "url": "https://vault.secure/camt053.xml" }
    ],
    "requested_amount_eur": 250000,
    "framework_level": "EXTENDED_5D"
  }'

✓ Response 200 OK (Latency: 840ms)

{
  "dossier_id": "dp_dossier_88942",
  "readiness_score": 19.5, // Niveau 3: Extended
  "metrics": {
    "normalized_ebitda_eur": 184500,
    "historical_dscr": 1.48,
    "stress_tested_dscr": 1.22, // Bij +1.5% renteverhoging
    "solvency_pct": 34.2
  },
  "flags": {
    "management_fee_excess": null,
    "incidentals_corrected": ["NOW_afrekening_eur_18200"]
  },
  "audit_trail_hash": "sha256_e89104b2a3f0..."
}

Tailored to Your Organization

Choose your type of institution

API-First Ingest & Pre-Underwriting

Embedded Intake & Real-time Pre-Underwriting

Increase your conversion and reduce the time-to-decision from days to minutes. Integrate DealPiloot directly into your digital application pipeline via REST, GraphQL, and Webhooks.

Asynchronous Ingest API

Direct upload of audio, annual financials (PDF/XBRL), and bank statements (MT940/CAMT.053).

Automated EBITDA

Instant normalization of management remuneration, private items, and incidental income/expenses.

White-label Verification

Let entrepreneurs approve the application data in your own branding and domain.

Sub-second Decision Data

Structured JSON payload with calculated DSCR, solvency, and risk flags.

SDKs available in TypeScript, Python & GoRequest API Sandbox

Robust Architecture

Designed for Mission-Critical Credit Processes

Sovereign Cloud Hosting

Fully hosted within Dutch and European data centers with strict data residency and zero-data transfer outside the EU.

Per-Tenant Cryptography

Each enterprise client has logically separated databases with encryption at rest (AES-256) and own KMS keys.

Identity & Role-based Access

Support for Azure AD, Okta, and Google Workspace via SAML 2.0 with granular roles (Broker, Risk Analyst, Compliance Officer).

Schedule an Enterprise Deep-Dive

Discuss with our engineering and risk team how DealPiloot integrates seamlessly into your credit pipeline and underwriting systems.

Contact Enterprise Team