> ## Documentation Index > Fetch the complete documentation index at: https://docs.parser-app.com/llms.txt > Use this file to discover all available pages before exploring further. # Withhold, EBITDA and capacity math over supplied months and positions > Recompute the underwriting block without re-parsing: e.g. after an underwriter excludes a month or edits the MCA table. Months marked `excluded` are dropped. Existing MCA monthly burden converts daily x21, weekly x4 and biweekly x2; offers use x21 / x4.2 / x2.1. ## OpenAPI ````yaml /openapi.json post /v1/underwriting/withhold openapi: 3.1.0 info: title: parser_backend summary: >- MCA packet parsing with GPT-6 Luna (OpenRouter), verified ledgers and underwriting metrics description: > MCA document parsing: merchant packets in (upload or email), verified bank-statement ledgers, ISO applications and underwriting metrics out. **How a packet is read** 1. *Intake* - files validated by content (PDF, PNG, JPEG), PDF safety-parsed, images converted to PDF; email attachments extracted from every MIME part. 2. *Split* - each PDF is split into documents (bank statement, merchant application, tax return, ...) by per-page classification and statement boundaries. 3. *Read* - a statement with a text layer is read by the **layout engine**: tables rebuilt from the text layer's geometry become the ledger JSON, with no model call. Pages without a text layer, and any statement whose layout read does not pass the gate, are rendered at 300 DPI and read by **GPT-6 Luna** through OpenRouter with a strict JSON schema at full image resolution (Luna's answer is the OCR): one owned page per call, neighbours as context, fanned out in parallel; the same answer categorizes every row. An image-read ledger is accepted only when a second, independent image read agrees on every amount, date and balance. 4. *Gate* - a ledger is **verified** only when it reconciles to the cent (`opening + credits - debits = closing`), reproduces the bank's printed totals and keeps every running balance chain. If it still fails after the image read it is returned as `review_required`, never as data. 5. *Categorize* - a category and counterparty per row: revenue, MCA funding / payment, loan, NSF, overdraft, returned item, transfers, payroll, taxes, ... or unknown. Image reads return them with the OCR; a layout-engine ledger goes to GPT-6 Luna once as JSON (rows grouped by description, with counts, amounts and dates). Deterministic rules cross-check every row. 6. *Aggregate* - accounts and statement months (missing months flagged); MCA and loan positions decided by GPT-6 Luna over the packet's possible financing streams and checked against the rows (cadence cross-checks); monthly summaries, and the withhold, EBITDA and revenue math. 7. *Packet* - the files are one submission (`result.submission_packet`): its typed documents in order, which ones the decision rests on and why the others are excluded (duplicates, failed or unreconciled reads, unclassified documents, another business's statement), the merchant's details with their sources, month-by-month coverage, whether the statements are one unbroken history, the balance chain across statements, undisclosed accounts and cross-document fraud signals. Every Luna call is metered (prompt, cached, completion and reasoning tokens; provider-reported cost) and every answer is replay-cached: a re-sent document or window costs nothing. **Integrating** * *Authentication*: `Authorization: Bearer ` (or `X-API-Key`) on every `/v1` route. The credential is an API key (`pk_live_...`, created with `POST /v1/api-keys`, scoped to permissions) or a WorkOS AuthKit access token (a person, with the permissions of their role). Each belongs to one tenant; jobs, caches, webhooks and settings are tenant-scoped. Errors are `{"error": {"code", "message", "request_id"}}`. * *Submit*: `POST /v1/parse` (multipart) or `POST /v1/intake/email` (raw MIME). The answer is `202` with a `job_id` and `status_url`, or the finished job when `wait` seconds suffice. Send an `Idempotency-Key` to make a retry return the same job. * *Get the result*: register a webhook once (`POST /v1/webhooks`) and receive `job.completed`, `job.review_required` or `job.failed` when each job ends, signed with the endpoint's secret; then fetch `GET /v1/jobs/{job_id}`. Or poll that route (`?wait=` long-polls). Every job ends in one of those three states, and its event is stored with it: a job that runs past `JOB_TIMEOUT_SECONDS`, or that the service stopped during too many runs, fails with its `job.failed` event. * *Status*: `completed` - every check passed; `review_required` - the result is usable but `review_reasons` name what a person should look at; `failed` - nothing could be processed (`error`). version: 0.1.0 servers: - url: https://api.parser-app.com security: [] tags: - name: parse description: Submit documents for parsing - name: email description: Submit a raw email; its attachments are parsed as one packet - name: jobs description: Poll jobs and read results - name: underwriting description: Withhold, EBITDA and capacity calculator - name: webhooks description: Signed job events pushed to your endpoint, retried until delivered - name: usage description: Token usage, cost and service metrics - name: identity description: 'Who is calling: tenant, permissions, modules' - name: tenant description: This tenant's settings - name: api-keys description: 'Scoped API keys: create, rotate, revoke' - name: mailboxes description: Forwarding addresses and Gmail mailboxes, and each message's outcome - name: emails description: 'Every inbound email tracked: its thread, raw .eml, tags and erasure' - name: integrations description: Connections to the tenant's CRM and other systems, fed by job events - name: audit description: Every change made in the tenant - name: platform description: Tenants across the platform (platform:admin) - name: health description: Liveness and readiness paths: /v1/underwriting/withhold: post: tags: - underwriting summary: Withhold, EBITDA and capacity math over supplied months and positions description: >- Recompute the underwriting block without re-parsing: e.g. after an underwriter excludes a month or edits the MCA table. Months marked `excluded` are dropped. Existing MCA monthly burden converts daily x21, weekly x4 and biweekly x2; offers use x21 / x4.2 / x2.1. operationId: withhold_v1_underwriting_withhold_post requestBody: content: application/json: schema: $ref: '#/components/schemas/WithholdRequest' required: true responses: '200': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/UnderwritingOut' '401': description: Missing, invalid, revoked or expired API key or token content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '403': description: The caller lacks the route's permission, or the tenant is suspended content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '413': description: Payload too large content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '422': description: Invalid request security: - APIKeyHeader: [] - HTTPBearer: [] components: schemas: WithholdRequest: properties: months: items: $ref: '#/components/schemas/WithholdMonthIn' type: array minItems: 1 title: Months cash_advances: items: $ref: '#/components/schemas/CashAdvanceIn' type: array title: Cash Advances description: >- The MCA positions to count; business loans are not part of the withhold ebitda_margin_pct: anyOf: - type: number - type: 'null' title: Ebitda Margin Pct description: Override; else computed from operating_expenses stated_monthly_revenue: anyOf: - type: number - type: 'null' title: Stated Monthly Revenue score: anyOf: - type: number maximum: 100 minimum: 0 - type: 'null' title: Score factor_rate: anyOf: - type: number maximum: 3 exclusiveMinimum: 1 - type: 'null' title: Factor Rate proposed_offer: anyOf: - $ref: '#/components/schemas/ProposedOffer' - type: 'null' affordability: anyOf: - $ref: '#/components/schemas/AffordabilityOverrides' - type: 'null' additionalProperties: false type: object required: - months title: WithholdRequest description: >- Recompute the withhold/EBITDA/capacity math from supplied months and positions. UnderwritingOut: properties: months_included: items: type: string type: array title: Months Included months_excluded: items: type: string type: array title: Months Excluded avg_monthly_revenue: anyOf: - type: number - type: 'null' title: Avg Monthly Revenue description: Mean true revenue over months with revenue > 0 (the scorecard's) avg_monthly_revenue_all_months: anyOf: - type: number - type: 'null' title: Avg Monthly Revenue All Months weighted_monthly_revenue: anyOf: - type: number - type: 'null' title: Weighted Monthly Revenue description: 0.85 decay per month back, newest weight 1 avg_monthly_gross_deposits: anyOf: - type: number - type: 'null' title: Avg Monthly Gross Deposits avg_monthly_deposit_count: type: number title: Avg Monthly Deposit Count avg_monthly_nsf_count: type: number title: Avg Monthly Nsf Count avg_monthly_negative_days: type: number title: Avg Monthly Negative Days avg_ending_balance: anyOf: - type: number - type: 'null' title: Avg Ending Balance avg_daily_balance: anyOf: - type: number - type: 'null' title: Avg Daily Balance revenue_slope_3m: anyOf: - type: number - type: 'null' title: Revenue Slope 3M revenue_slope_6m: anyOf: - type: number - type: 'null' title: Revenue Slope 6M ebitda_margin_pct: anyOf: - type: number - type: 'null' title: Ebitda Margin Pct description: >- (sum revenue - sum operating expenses) / sum revenue x 100, IQR outlier months removed ebitda_months_used: items: type: string type: array title: Ebitda Months Used ebitda_months_excluded_as_outliers: items: type: string type: array title: Ebitda Months Excluded As Outliers existing_mca_monthly_payment: type: number title: Existing Mca Monthly Payment description: >- Monthly burden of the MCA positions counted in the withhold (daily x21, weekly x4, biweekly x2). Business loans are reported in `positions` with kind `loan` and never counted existing_mca_daily_payment: anyOf: - type: number - type: 'null' title: Existing Mca Daily Payment current_withhold_pct: type: number title: Current Withhold Pct description: >- Existing MCA monthly payments / avg monthly revenue x 100: MCA positions only, never loans holdback_pct_avg: anyOf: - type: number - type: 'null' title: Holdback Pct Avg description: Mean of monthly cadence-projected holdback % active_positions: type: integer title: Active Positions description: Active MCA positions (loans excluded) priced_positions: anyOf: - type: integer - type: 'null' title: Priced Positions description: >- Active positions counted in the withhold: the position count affordability pricing reads is_stacked: type: boolean title: Is Stacked description: Two or more established, active MCA positions ebitda_capacity_pct: anyOf: - type: number - type: 'null' title: Ebitda Capacity Pct description: EBITDA margin x 1.15 (the cap on total withhold) remaining_withhold_pct_ebitda: anyOf: - type: number - type: 'null' title: Remaining Withhold Pct Ebitda score_bands: items: additionalProperties: true type: object type: array title: Score Bands description: Scorecard withhold capacity for every score band selected_band: anyOf: - additionalProperties: true type: object - type: 'null' title: Selected Band affordability_pricing: anyOf: - additionalProperties: true type: object - type: 'null' title: Affordability Pricing proposed_offer: anyOf: - additionalProperties: true type: object - type: 'null' title: Proposed Offer stated_vs_verified: anyOf: - additionalProperties: true type: object - type: 'null' title: Stated Vs Verified description: Application's stated monthly revenue vs verified bank revenue additionalProperties: false type: object required: - months_included - months_excluded - avg_monthly_revenue - avg_monthly_revenue_all_months - weighted_monthly_revenue - avg_monthly_gross_deposits - avg_monthly_deposit_count - avg_monthly_nsf_count - avg_monthly_negative_days - avg_ending_balance - avg_daily_balance - revenue_slope_3m - revenue_slope_6m - ebitda_margin_pct - ebitda_months_used - ebitda_months_excluded_as_outliers - existing_mca_monthly_payment - existing_mca_daily_payment - current_withhold_pct - holdback_pct_avg - active_positions - is_stacked - ebitda_capacity_pct - remaining_withhold_pct_ebitda - score_bands title: UnderwritingOut description: Withhold, EBITDA and revenue math over the gate-accepted months. ErrorResponse: properties: error: $ref: '#/components/schemas/ErrorBody' additionalProperties: false type: object required: - error title: ErrorResponse WithholdMonthIn: properties: month: type: string pattern: ^\d{4}-\d{2}$ title: Month revenue: type: number title: Revenue description: True revenue for the month (USD) operating_expenses: anyOf: - type: number - type: 'null' title: Operating Expenses description: For the EBITDA margin; omit to supply ebitda_margin_pct gross_deposits: anyOf: - type: number - type: 'null' title: Gross Deposits deposit_count: type: number title: Deposit Count default: 0 nsf_count: type: number title: Nsf Count default: 0 negative_days: anyOf: - type: number - type: 'null' title: Negative Days ending_balance: anyOf: - type: number - type: 'null' title: Ending Balance average_balance: anyOf: - type: number - type: 'null' title: Average Balance excluded: type: boolean title: Excluded description: 'Underwriter exclusion: the month is left out' default: false additionalProperties: false type: object required: - month - revenue title: WithholdMonthIn description: >- One month of an underwriter-edited monthly table (a monthly summary row). CashAdvanceIn: properties: funder: anyOf: - type: string - type: 'null' title: Funder frequency: type: string enum: - daily - weekly - biweekly title: Frequency payment_amount: type: number exclusiveMinimum: 0 title: Payment Amount last_payment_date: anyOf: - type: string format: date - type: 'null' title: Last Payment Date active: anyOf: - type: boolean - type: 'null' title: Active description: >- Explicit Active flag; honored when set. Unset: active when last_payment_date is within the 14-day window (28 for biweekly), or when no last_payment_date is given additionalProperties: false type: object required: - frequency - payment_amount title: CashAdvanceIn description: An existing MCA position (a cash-advance row). ProposedOffer: properties: amount: type: number exclusiveMinimum: 0 title: Amount description: Funded amount in USD factor_rate: type: number maximum: 3 exclusiveMinimum: 1 title: Factor Rate description: Factor rate, e.g. 1.35 term: type: integer maximum: 1000 exclusiveMinimum: 0 title: Term description: Number of payments (days for daily, weeks for weekly) frequency: type: string enum: - daily - weekly title: Frequency default: daily fees_percent: type: number maximum: 100 minimum: 0 title: Fees Percent default: 0 additionalProperties: false type: object required: - amount - factor_rate - term title: ProposedOffer description: An offer to test against the merchant's withhold capacity. AffordabilityOverrides: properties: ebitda_margin_multiplier: anyOf: - type: number minimum: 0 - type: 'null' title: Ebitda Margin Multiplier default_factor_rate: anyOf: - type: number maximum: 3 exclusiveMinimum: 1 - type: 'null' title: Default Factor Rate min_avg_monthly_deposits: anyOf: - type: number minimum: 0 - type: 'null' title: Min Avg Monthly Deposits min_avg_balance: anyOf: - type: number minimum: 0 - type: 'null' title: Min Avg Balance max_monthly_nsfs: anyOf: - type: number minimum: 0 - type: 'null' title: Max Monthly Nsfs max_monthly_negative_days: anyOf: - type: number minimum: 0 - type: 'null' title: Max Monthly Negative Days min_monthly_deposit_count: anyOf: - type: number minimum: 0 - type: 'null' title: Min Monthly Deposit Count max_offer_pct: anyOf: - type: number exclusiveMinimum: 0 - type: 'null' title: Max Offer Pct min_offer_pct: anyOf: - type: number minimum: 0 - type: 'null' title: Min Offer Pct payment_frequency: anyOf: - type: string enum: - daily - weekly - biweekly - monthly - type: 'null' title: Payment Frequency additionalProperties: false type: object title: AffordabilityOverrides description: Overrides for the default underwriting settings. ErrorBody: properties: code: type: string title: Code description: unauthenticated, forbidden, not_found, conflict, limit_reached, ... message: type: string title: Message request_id: type: string title: Request Id description: Also in the X-Request-ID response header additionalProperties: false type: object required: - code - message - request_id title: ErrorBody securitySchemes: APIKeyHeader: type: apiKey description: API key in: header name: X-API-Key HTTPBearer: type: http description: API key or AuthKit access token scheme: bearer ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.