> ## Documentation Index
> Fetch the complete documentation index at: https://docs.txcloud.thetekcircle.io/llms.txt
> Use this file to discover all available pages before exploring further.

# LendingRisk API

> Credit risk assessment with income verification and affordability analysis

The LendingRisk API provides comprehensive credit assessment using alternative data sources tailored for emerging markets.

## Key Features

<CardGroup cols={2}>
  <Card title="Credit Scoring" icon="calculator">
    Alternative credit scores for thin-file customers
  </Card>

  <Card title="Income Verification" icon="money-bill-wave">
    Verify income from bank statements and payslips
  </Card>

  <Card title="Affordability" icon="scale-balanced">
    Calculate debt-to-income and affordability metrics
  </Card>

  <Card title="Risk Indicators" icon="triangle-exclamation">
    Identify financial stress signals
  </Card>
</CardGroup>

## Base URL

```
https://api.txcloud.io/v1/lending
```

For testing, use the sandbox environment:

```
https://sandbox.api.txcloud.io/v1/lending
```

## Authentication

All requests require a Bearer token:

```bash theme={null}
curl https://api.txcloud.io/v1/lending/assess \
  -H "Authorization: Bearer txc_live_your_api_key"
```

## Quick Start

```javascript theme={null}
import TXCloud from '@txcloud/sdk';

const txcloud = new TXCloud('your_api_key');

const assessment = await txcloud.lending.assess({
  applicant_id: 'app_123',
  loan_amount: 50000,
  loan_term_months: 12,
  bank_statements: ['base64_statement...'],
  purpose: 'personal'
});

console.log(assessment.credit_score); // 720
console.log(assessment.recommendation); // 'approve'
```

## Endpoints

| Method | Endpoint                    | Description              |
| ------ | --------------------------- | ------------------------ |
| POST   | `/lending/assess`           | Create credit assessment |
| POST   | `/lending/income/verify`    | Verify income            |
| POST   | `/lending/affordability`    | Calculate affordability  |
| GET    | `/lending/assessments/{id}` | Get assessment details   |
| GET    | `/lending/assessments`      | List assessments         |