Skip to main content

​
Overview

Underwriting applications is in Beta and isn’t ready for production integration.
Submit business, stakeholder, and financial data for underwriting review via GraphQL mutations. Each application progresses through a defined lifecycle — from creation to final decision. The flow is flexible: submit a fully completed application in one shot, or build it progressively over multiple requests. This supports both near-synchronous submissions and asynchronous data collection.
Scenario A — Business checking account onboarding at a regional bankA developer at Heartland Commerce Bank is integrating Tesouro’s underwriting API into their small business checking account opening flow. When a business applies, the integration creates an underwriting application with business entity details and beneficial owner information, then submits it for review. Tesouro runs KYB and KYC decisioning and returns an outcome that Heartland Commerce Bank uses to automatically approve or decline the account opening request.Scenario B — Small business loan origination at a fintech lenderA developer at Bridgepoint Capital is building a loan origination system for small business term loans. Their integration uses Tesouro’s underwriting API to progressively collect business financials, tax documents, and stakeholder data as applicants move through a multi-step application form. Once all required data is present, the integration submits the application and uses webhooks to receive the final credit decision.Scenario C — Revolving lines of credit at a credit unionA developer at Clearwater Credit Union is adding a line of credit product to their digital banking platform. They use Tesouro’s underwriting API as part of their existing member onboarding flow — creating applications on behalf of members, fulfilling any information requests the underwriting team surfaces, and receiving Approved or Declined outcomes to determine credit limit offers.
The underwriting process:
  1. Create an application with business, stakeholder, and financial details
  2. Update the application as more information becomes available
  3. Submit the application once all required data is present
  4. Respond to underwriter actions — fulfill information requests and support manual review of decision components
  5. Receive a decision
After submission, applications go through automated and manual review. Underwriters can request additional information, run decision components, and advance the application until it reaches a final outcome.

​
End-to-end flow

Most integrations follow the same sequence from application creation through final decision.
  1. Create the application Create an underwriting application using the createUnderwritingApplication mutation.
    • Stakeholders may be included at creation or omitted initially
    • The application enters the Created state
  2. Add or update application details Use updateUnderwritingApplication to add or modify application data such as:
    • Business information
    • Bank accounts
    • Financial details
    • Supporting documentation via attachments
  3. Submit the application Submit the application using submitUnderwritingApplication once all required data and stakeholders are present.
  4. Automated processing The application enters the Processing state, where:
    • Automated verification checks run
    • The system executes decision components
  5. Manual review (if required) If discrepancies are detected, the application transitions to Pending for underwriter evaluation.
  6. Final decision The application reaches Decisioned with one of the following outcomes:
    • Approved
    • Declined
    • Withdrawn
Scenario A (continued) — Single-step submissionThe Heartland Commerce Bank integration submits a fully completed application in a single sequence — business entity data and beneficial owners are included at creation, and the application is submitted immediately after. The system runs automated KYB and KYC checks, all pass, and Heartland Commerce Bank receives an Approved decision within seconds via webhook.Scenario B (continued) — Progressive submissionThe Bridgepoint Capital integration creates an application early in the funnel with just the business name and EIN, then progressively adds financial statements, tax documents, and stakeholder data as the applicant completes each step of their form. The application is only submitted once all required fields are present, triggering the full underwriting review.

​
Flexible submission models

Tesouro supports multiple submission strategies depending on your integration needs:
  • Single-step submission Create and submit a fully completed application in close succession when all data is available upfront.
  • Progressive submission Create an application early and progressively update it as data becomes available, submitting only when all requirements are met.
Both models follow the same lifecycle and result in identical underwriting outcomes.

​
Monitoring progress

Use webhooks to track status changes and underwriting actions — submission confirmations, information requests, status transitions, and final decisions.
Don’t poll the API for application progress. Webhooks deliver real-time notifications and cut unnecessary API calls.

​
Next steps