# apis.loans

> Origination is Lender-Reserved. The types are not.

apis.loans is the origination door of the apis family. Every capability from application to lien perfection is published as a versioned type with its route, its gate, and a typed refusal until its rule ratifies. Seven arithmetic routes answer today, keyless and free. Build against the shape now: your call sites don’t move when a row goes live.

## Live today

Arithmetic on numbers you supply. Keyless, free, never an offer or a decision.

- POST /v1/math/amortization: level-payment schedule, per-period interest and principal.
- POST /v1/math/per-diem: daily interest on a balance, on the day count you name.
- POST /v1/math/payoff-projection: projected balance to a date. Arithmetic, not a quote.
- POST /v1/calendars/business-days: business-day arithmetic, federal holidays computed.
- GET /v1/register: every route with its gate and what it answers.
- GET /v1/lifecycle: six verbs, their artifacts, the rules that fix them.
- POST /v1/refusals/explain: the refusal a route carries, and why.

## Register

Six verbs, sixteen routes: apply, disclose, decide, consummate, fund, perfect. Each route has a gate and the refusal it returns today. No price column: a price posts when a row is live. The rows, with their gates and answers, are GET /v1/register and /openapi.json.

## Refusals

Both answer 422. A typed field says which future you’re in.

- BLOCKED: the act is reserved, and tier says which kind. LENDER_RESERVED is the four acts a licensed Lender performs alone: extend credit, take the application, negotiate terms, decide. It never opens. LICENSED is a notarial, appraisal, MLO, escrow or debt-collection act a credentialed human performs under a named sponsor, priced when its blockers clear.
- UNRATIFIED: software may perform the act. Counsel hasn’t signed off the rules for that act and state pair. The body names what’s missing, the governing rule, who ratifies it, and what clears it. When it clears, the same call returns a record.

POST /v1/intents/{id}/route is the cure every LENDER_RESERVED refusal names: the marketplace of licensed Lenders this door will operate.

## Family

One key across the family. apis.loans stands at its own address: not an alias, never a redirect.

- https://apis.finance: the hub. The catalog, the key, the rate card.
- https://apis.credit: business credit, KYB, UCC lien search.
- https://apis.loans: the origination door. You are here.
- https://apis.mortgage: payoff, lien and eNote data. Waitlist open.

## Intake

POST https://apis.loans/intake with fields first_name (required), last_name (required), email (required), capability, quarter and building, as JSON or form-encoded. The quarter you name sets what we build first.

## Doors

- https://apis.loans/
- https://apis.loans/openapi.json
- https://apis.loans/mcp
- https://apis.loans/llms.txt
- https://apis.loans/changelog.txt
- POST https://apis.loans/intake

## Operational

- https://apis.loans/healthz
- https://apis.loans/robots.txt

apis.loans is not a lender. It extends no credit, takes no application, negotiates no terms, and decides nothing. keys@apis.finance