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Approve Owl Docs

Financial Analysis

A serialization of the data present on the Finances tab in the business portal.

Request

Section titled “Request”

Requires Authorization

GET: https://sandbox.approveowl.com/api/v1/applicants/:applicant_id/analysis

ParameterTypeDescription
:applicant_idstringThe applicant ID

Example Response

Section titled “Example Response”
{
  "date_range": ["2020-02-21", "2020-05-12"],
  "debits_total": "7297.87",
  "credits_total": "10402.99",
  "payroll": {
    "items": [],
    "analysis": {
      "count": 0,
      "avg": null,
      "total": null
    }
  },
  "tax_refund": {
    "items": [],
    "analysis": {
      "count": 0,
      "avg": null,
      "total": null
    }
  },
  "courier_income": {
    "items": [],
    "analysis": {
      "count": 0,
      "avg": null,
      "total": null
    }
  },
  "unemployment_benefits": {
    "items": [
      {
        "id": "e92aefc2-5a14-4e51-b005-2b4d75934e93",
        "bank_account_id": "fb6f87a5-8c63-4b2c-975f-ff12177abe46",
        "date": "2020-05-08",
        "is_pending": false,
        "amount": "-1614.0",
        "original_description": "TWC-BENEFITS     UI BENEFIT",
        "iso_currency_code": "USD",
        "plaid_transaction_id": "ry01dw35JAIw1qDR7A9jtxQmMDEVkztB6wVRA",
        "bank_transaction_category_id": "06635f0c-41ad-4aad-bb78-abf5a10577c2",
        "transaction_type": "special",
        "name": "TWC-BENEFITS UI BENEFIT",
        "city": null,
        "region": null,
        "latitude": null,
        "longitude": null,
        "created_at": "2020-06-12T13:50:45.196-05:00",
        "updated_at": "2020-06-12T13:50:45.196-05:00"
      },
      {
        "id": "44295086-7c73-4932-aeb6-c464bcd28227",
        "bank_account_id": "fb6f87a5-8c63-4b2c-975f-ff12177abe46",
        "date": "2020-05-01",
        "is_pending": false,
        "amount": "-1614.0",
        "original_description": "TWC-BENEFITS     UI BENEFIT",
        "iso_currency_code": "USD",
        "plaid_transaction_id": "7owV4vq3d5S4VZwY9MPmtyXgqND3rZTQa50XZ",
        "bank_transaction_category_id": "06635f0c-41ad-4aad-bb78-abf5a10577c2",
        "transaction_type": "special",
        "name": "TWC-BENEFITS UI BENEFIT",
        "city": null,
        "region": null,
        "latitude": null,
        "longitude": null,
        "created_at": "2020-06-12T13:50:44.857-05:00",
        "updated_at": "2020-06-12T13:50:44.857-05:00"
      },
      {
        "id": "eef2db64-f258-43ae-8d4c-7e869559fb51",
        "bank_account_id": "fb6f87a5-8c63-4b2c-975f-ff12177abe46",
        "date": "2020-04-27",
        "is_pending": false,
        "amount": "-1014.0",
        "original_description": "TWC-BENEFITS     UI BENEFIT",
        "iso_currency_code": "USD",
        "plaid_transaction_id": "04KeRqd6AyhKAPEOewMxFgLqpK9mJwIrkvAzV",
        "bank_transaction_category_id": "06635f0c-41ad-4aad-bb78-abf5a10577c2",
        "transaction_type": "special",
        "name": "TWC-BENEFITS UI BENEFIT",
        "city": null,
        "region": null,
        "latitude": null,
        "longitude": null,
        "created_at": "2020-06-12T13:50:44.675-05:00",
        "updated_at": "2020-06-12T13:50:44.675-05:00"
      }
    ],
    "analysis": {
      "count": 3,
      "avg": "1414.0",
      "total": "4242.0"
    }
  },
  "cash_app_income": {
    "items": [
      {
        "name": "Cash App*Cash O 4829",
        "count": 64,
        "avg": "84.77390625",
        "total": "5425.53"
      }
    ],
    "analysis": {
      "count": 64,
      "avg": "84.77390625",
      "total": "5425.53"
    }
  },
  "other_deposits": {
    "items": [
      {
        "name": "Prime Video 5818",
        "count": 2,
        "avg": "2.695",
        "total": "5.39"
      },
      {
        "name": "MOBILE DEPOSIT-AVAIL IMMEDIATE",
        "count": 2,
        "avg": "127.5",
        "total": "255.0"
      },
      {
        "name": "BOOKSY EDI PYMNTS",
        "count": 1,
        "avg": "33.76",
        "total": "33.76"
      },
      {
        "name": "CCBill.com *On 5967",
        "count": 1,
        "avg": "37.0",
        "total": "37.0"
      },
      {
        "name": "DEPOSIT",
        "count": 1,
        "avg": "360.0",
        "total": "360.0"
      },
      {
        "name": "Amazon",
        "count": 1,
        "avg": "4.31",
        "total": "4.31"
      },
      {
        "name": "REG E CLAIM CORRECTION",
        "count": 1,
        "avg": "37.0",
        "total": "37.0"
      },
      {
        "name": "BANK CREDIT FEE REFUND",
        "count": 1,
        "avg": "3.0",
        "total": "3.0"
      }
    ],
    "analysis": {
      "count": 10,
      "avg": "73.546",
      "total": "735.46"
    }
  },
  "rent": {
    "items": [],
    "analysis": {
      "count": 0,
      "avg": null,
      "total": null
    }
  },
  "loan_payments": {
    "items": [
      {
        "name": "CASH APP*MARCUS 2218",
        "count": 1,
        "avg": "30.0",
        "total": "30.0"
      }
    ],
    "analysis": {
      "count": 1,
      "avg": "30.0",
      "total": "30.0"
    }
  },
  "lodging": {
    "items": [
      {
        "id": "3b1cb4c6-af02-42e2-8316-cd9d42060ff2",
        "bank_account_id": "fb6f87a5-8c63-4b2c-975f-ff12177abe46",
        "date": "2020-03-25",
        "is_pending": false,
        "amount": "59.23",
        "original_description": "ALOFT DALLAS AR  2218",
        "iso_currency_code": "USD",
        "plaid_transaction_id": "Jq5XBEY7maSzNKVAQZbDSMaNy9Dkr0Hba7mjK",
        "bank_transaction_category_id": "50818c63-2aac-41a1-84db-453ec6c56339",
        "transaction_type": "place",
        "name": "ALOFT DALLAS AR 2218",
        "city": "Dallas",
        "region": "AR",
        "latitude": "34.53594",
        "longitude": "-94.219099",
        "created_at": "2020-06-12T13:50:43.612-05:00",
        "updated_at": "2020-06-12T13:50:43.612-05:00"
      },
      {
        "id": "fcd3457e-1fe2-489d-9029-3bb9815fb894",
        "bank_account_id": "fb6f87a5-8c63-4b2c-975f-ff12177abe46",
        "date": "2020-03-16",
        "is_pending": false,
        "amount": "118.46",
        "original_description": "ALOFT DALLAS AR  2218",
        "iso_currency_code": "USD",
        "plaid_transaction_id": "1a5ERBwLvkfmdxZw46MNI087dnERA6ImOgnwk",
        "bank_transaction_category_id": "50818c63-2aac-41a1-84db-453ec6c56339",
        "transaction_type": "place",
        "name": "ALOFT DALLAS AR 2218",
        "city": "Dallas",
        "region": "AR",
        "latitude": "34.53594",
        "longitude": "-94.219099",
        "created_at": "2020-06-12T13:50:43.458-05:00",
        "updated_at": "2020-06-12T13:50:43.458-05:00"
      }
    ],
    "analysis": {
      "count": 2,
      "avg": "88.845",
      "total": "177.69"
    }
  },
  "bank_fees": {
    "items": [
      {
        "name": "MOBILE TRANSACTION FEE",
        "count": 2,
        "avg": "6.4",
        "total": "12.8"
      }
    ],
    "analysis": {
      "count": 2,
      "avg": "6.4",
      "total": "12.8"
    }
  },
  "cash_app_expenses": {
    "items": [
      {
        "name": "CASH APP*ALICIA 2218",
        "count": 12,
        "avg": "36.9583333333333333",
        "total": "443.5"
      },
      {
        "name": "CASH APP*MARGEL 2218",
        "count": 4,
        "avg": "162.0",
        "total": "648.0"
      },
      {
        "name": "CASH APP*PREANN 2218",
        "count": 4,
        "avg": "25.875",
        "total": "103.5"
      },
      {
        "name": "CASH APP* 2218",
        "count": 3,
        "avg": "21.6666666666666667",
        "total": "65.0"
      },
      {
        "name": "CASH APP*KING 2218",
        "count": 3,
        "avg": "26.6666666666666667",
        "total": "80.0"
      },
      {
        "name": "CASH APP*TAMARA 2218",
        "count": 2,
        "avg": "41.5",
        "total": "83.0"
      },
      {
        "name": "ZELLE DEBIT TO OLUBUNMI OSIN",
        "count": 2,
        "avg": "69.0",
        "total": "138.0"
      },
      {
        "name": "CASH APP*SHAMAR 2218",
        "count": 2,
        "avg": "62.5",
        "total": "125.0"
      },
      {
        "name": "CASH APP*AYABA 2218",
        "count": 1,
        "avg": "16.0",
        "total": "16.0"
      },
      {
        "name": "CASH APP*SMENHA 2218",
        "count": 1,
        "avg": "26.0",
        "total": "26.0"
      },
      {
        "name": "CASH APP*TESIA 2218",
        "count": 1,
        "avg": "10.5",
        "total": "10.5"
      },
      {
        "name": "ZELLE DEBIT TO JAYLA ROBINSON",
        "count": 1,
        "avg": "85.0",
        "total": "85.0"
      },
      {
        "name": "ZELLE DEBIT TO SPIDERWEB MEDIA",
        "count": 1,
        "avg": "50.0",
        "total": "50.0"
      },
      {
        "name": "CASH APP*JENNIF 2218",
        "count": 1,
        "avg": "51.5",
        "total": "51.5"
      },
      {
        "name": "CASH APP*MARCUS 2218",
        "count": 1,
        "avg": "30.0",
        "total": "30.0"
      },
      {
        "name": "CASH APP*BRENDA 2218",
        "count": 1,
        "avg": "51.0",
        "total": "51.0"
      }
    ],
    "analysis": {
      "count": 40,
      "avg": "50.15",
      "total": "2006.0"
    }
  },
  "daily_pay_income": {
    "items": [],
    "analysis": {
      "count": 0,
      "avg": null,
      "total": null
    }
  },
  "title_loan_deposits": {
    "items": [],
    "analysis": {
      "count": 0,
      "avg": null,
      "total": null
    }
  },
  "title_loan_payments": {
    "items": [],
    "analysis": {
      "count": 0,
      "avg": null,
      "total": null
    }
  }
}