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Stakeholders are a critical part of an underwriting application, representing individuals or entities with ownership or control over the business. Managing stakeholders differs from standard application updates because stakeholders are complex objects that require specialized handling. Unlike simple field updates, stakeholder operations support creating, updating, and removing stakeholders using dedicated inputs and maintaining unique IDs for each stakeholder within the application. This design allows granular control over stakeholder data while ensuring consistency and integrity across the application.
Stakeholders are handled differently than standard application field updates because they are complex objects. Each stakeholder maintains its own ID and can be independently created, updated, or removed through specialized input types.

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Stakeholder types

The following stakeholder roles are currently supported in underwriting applications as defined in the schema:
  • Owner – A business owner or individual with at least 25% equity
  • Control Person – Individual with management control or legal authority
  • Guarantor – Individual or entity providing a personal or business guarantee
  • Company – Associated business entities, such as parent companies or affiliates
These roles are defined in the stakeholder role enumeration and can be specified when adding stakeholders to an application.

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Requirements

All stakeholder operations maintain referential integrity within the underwriting application, preventing orphaned data or inconsistent states. When submitting an application, ensure:
  • At least one Owner or Control Person stakeholder exists
  • All stakeholder role-specific required fields are populated
  • Ownership percentages are valid decimals (e.g., “0.25” for 25%, “1.00” for 100%)
  • Tax identification numbers are properly formatted with type and value
Validation errors related to stakeholders will be returned when attempting to submit the application if these requirements are not met.