slug: fincura
provider: Fincura
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 8
edges:
- tag: DscrAnalysis
  spec_file: fincura-dscranalysis-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.85
  evidence: POST /v1/analysis/dscr  createDscrAnalysis  "Create a new DSCR Analysis"; schema DSCRAnalysisDetails
  reason: Debt-service-coverage-ratio analysis on borrower financials is credit analysis/underwriting
    support for lenders.
- tag: GlobalCashflowAnalysis
  spec_file: fincura-globalcashflowanalysis-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.8
  evidence: GET /v1/analysis/global-cashflow "List all Global Cashflows"; "Retrieve a Global Cashflow
    with extra borrower details"
  reason: Operations create, retrieve and export global cashflow analyses tied to borrowers — credit analysis
    / financial spreading feeding underwriting decisions for banks and credit unions.
- tag: EmbeddedGlobalCashflowAnalysis
  spec_file: fincura-embeddedglobalcashflowanalysis-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.75
  evidence: 'POST /v1/embedded-global-cashflow-analysis createEmbeddedGlobalCashflowAnalysis; schema EmbeddedGlobalCashflowAnalysisWorkflow;
    vendor: "runs debt-service-coverage-ratio (DSCR) and global cashflow analyses"'
  reason: Global cashflow / DSCR analysis of borrower financials is credit analysis supporting underwriting
    and decisioning for lenders. Embedded workflow variant of the same analysis surface.
- tag: DataViews
  spec_file: fincura-data-views-api-openapi.yml
  reanchored_from: fincura-dataviews-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.72
  evidence: '"Get DataView from a DocumentFile"; "Get the most recent period of data for a Borrower";
    vendor: "spreads them into normalized data views"'
  reason: DataViews are the normalized spread of borrower financial statements — financial spreading,
    explicitly named in the Credit Underwriting & Decisioning sub-capability.
- tag: EmbeddedDscrAnalysis
  spec_file: fincura-embeddeddscranalysis-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.72
  evidence: POST /v1/embedded-dscr-analysis  createEmbeddedDscrAnalysis (schema EmbeddedDscrAnalysisWorkflow)
  reason: An embedded variant of the DSCR credit analysis workflow; same underwriting/credit-analysis
    capability, delivered as an embeddable UI flow.
- tag: FinancialStatementSubmission
  spec_file: fincura-financialstatementsubmission-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.7
  evidence: POST /v1/financial-statement-submission  "Submit structured financial statements (JSON)"
  reason: Ingestion of borrower financial statements into the spreading/insights engine is financial spreading
    input, the core of credit underwriting analysis at a lender. Single operation, so evidence is somewhat
    thin.
- tag: Loans
  spec_file: fincura-loans-api-openapi.yml
  capability_id: BC-1320
  capability_id_l1: BC-1320
  capability_name: Credit & Lending Management
  confidence: 0.7
  evidence: 'POST /v1/loan createLoan "Create a new Loan"; schema Loan; vendor: "The REST API (v1) covers
    borrowers, lo[ans]"'
  reason: Loan records maintained for credit analysis at lenders — clearly within Credit & Lending Management,
    but the operations do not disclose whether they serve origination, servicing or portfolio analytics,
    so no L2 is asserted.
- tag: SpreadingTemplate
  spec_file: fincura-spreadingtemplate-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.7
  evidence: GET /v1/template/spreading/{uuid} "Get Spreading Template with Flattened Taxonomy Items"
  reason: Spreading templates define the normalized taxonomy used to spread borrower financial statements
    — directly supporting financial spreading within credit underwriting.