> ## Documentation Index > Fetch the complete documentation index at: https://docs.nextlevelmca.com/llms.txt > Use this file to discover all available pages before exploring further. # Match lenders to a deal > Runs the location’s lender criteria against the deal (bank-verified revenue beats stated revenue when statements are analyzed). Each match carries a 0–100 score, a confidence level and per-check explanations. `meta.deal` reports what data was missing. Use `view=recommended` for the shortlist an underwriter would send to. ## OpenAPI ````yaml /openapi/public-v1.json get /v1/deals/{dealId}/lender-matches openapi: 3.0.0 info: title: NextLevel MCA Public API description: >- REST API for the NextLevel MCA deal platform. Objects flow Businesses → People → Deals → Submissions → Offers → Advances. **Authentication.** Send `Authorization: Bearer ` with an API key (`nlmca_live_…`, created in Settings → Developers) or an OAuth access token. Keys are scoped to one location. **Conventions.** JSON only. Cursor pagination (`limit` ≤ 100, `cursor` from `meta.next_cursor`). Every success is `{ data, meta }`; every error is `{ error: { type, message, code, param, request_id } }`. POST endpoints accept `Idempotency-Key` (24h replay). Rate limit 300 requests/min per credential (`X-RateLimit-*` headers). **Scopes.** Keys with no scopes have all of them. Otherwise: - `businesses:read` — Read businesses and their notes, tasks and activity - `businesses:write` — Create and update businesses, notes and tasks - `people:read` — Read people (contacts and owners) - `people:write` — Create and update people - `deals:read` — Read deals, submissions and the pipeline - `deals:write` — Create and update deals, move stages - `documents:read` — Read documents and statement analysis - `documents:write` — Upload documents and request documents from merchants - `lenders:read` — Read lenders, criteria and lender matches - `lenders:write` — Create and update lenders and criteria - `submissions:write` — Submit deals to lenders and withdraw submissions - `offers:read` — Read offers - `offers:write` — Log and update offers, set the primary offer - `advances:read` — Read funded advances and renewal flags - `advances:write` — Update advances - `portal:send` — Generate and send merchant portal links - `webhooks:manage` — Manage webhook subscriptions version: '1.0' contact: {} servers: - url: https://api.nextlevelmca.com description: Production security: - bearer: [] tags: - name: Businesses description: Merchant businesses and their notes, tasks and activity - name: People description: Contacts and owners. Phone lookups normalise to E.164. - name: Deals description: Deals, stage moves, renewals and the pipeline - name: Documents description: Documents, presigned uploads, document requests and statement analysis - name: Lenders description: Lenders and their criteria - name: Lender matches description: Criteria-driven lender matching for a deal - name: Submissions description: Sending deals to lenders - name: Offers description: Lender offers and the primary offer - name: Advances description: Funded advances and renewal readiness - name: Merchant portal description: Magic links for the merchant portal - name: Webhooks description: Outbound event subscriptions paths: /v1/deals/{dealId}/lender-matches: get: tags: - Lender matches summary: Match lenders to a deal description: >- Runs the location’s lender criteria against the deal (bank-verified revenue beats stated revenue when statements are analyzed). Each match carries a 0–100 score, a confidence level and per-check explanations. `meta.deal` reports what data was missing. Use `view=recommended` for the shortlist an underwriter would send to. operationId: lender_matches_list parameters: - name: dealId required: true in: path description: Deal id schema: type: string - name: limit required: false in: query description: Page size (1–100). schema: minimum: 1 maximum: 100 default: 25 type: number - name: cursor required: false in: query description: Opaque cursor from a previous response’s `meta.next_cursor`. schema: type: string - name: view required: false in: query description: >- `recommended` = score at or above the location threshold with complete data; `eligible` = passes every hard gate; `all` includes disqualified lenders with reasons. schema: default: all type: string enum: - recommended - eligible - all responses: '200': description: OK content: application/json: schema: type: object required: - data - meta properties: data: type: array items: $ref: '#/components/schemas/LenderMatchDto' meta: $ref: '#/components/schemas/ListMetaDto' '401': description: Missing, invalid, expired or revoked credential. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' '403': description: Credential lacks the scope, or the role lacks the permission. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' '404': description: Resource not found in this location. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' '429': description: Rate limit exceeded. See `X-RateLimit-*` and `Retry-After`. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' security: - bearer: [] components: schemas: LenderMatchDto: type: object properties: lender_id: type: string lender_name: type: string score: type: number description: 0–100. Lenders with no criteria score 50. confidence: type: string enum: - high - medium - low description: How much deal data backed the score. recommended: type: boolean description: >- Score at or above the location threshold with all criteria evaluated. eligible: type: boolean description: Passes every hard gate (product, industry, state, minimums). auto_eligible: type: boolean description: Recommended and safe for automated submission (no unknown gates). disqualify_reasons: description: Why the lender was disqualified. Empty when eligible. type: array items: type: string unknown_gates: description: Gates that could not be evaluated because deal data is missing. type: array items: type: string paper_grades: type: array items: type: string checks: type: array items: $ref: '#/components/schemas/MatchCheckDto' explanation: type: string description: One-paragraph explanation suitable for showing to a user. approval_rate: type: number description: >- Historical approval rate with this lender for this location (0–1), when known. nullable: true required: - lender_id - lender_name - score - confidence - recommended - eligible - auto_eligible - disqualify_reasons - unknown_gates - paper_grades - checks - explanation ListMetaDto: type: object properties: next_cursor: type: string nullable: true description: Pass as `?cursor=` to fetch the next page. `null` on the last page. has_more: type: boolean required: - next_cursor - has_more ErrorEnvelopeDto: type: object properties: error: $ref: '#/components/schemas/PublicErrorDto' required: - error MatchCheckDto: type: object properties: field: type: string description: Criterion key, e.g. `min_monthly_revenue`, `industry`, `state`. label: type: string description: Human label for the criterion. kind: type: string enum: - gate - factor description: '`gate` disqualifies when failed; `factor` only affects the score.' criterion: type: string description: What the lender requires, as text. deal_value: type: string description: The deal’s value for this criterion, as text. passed: type: boolean description: True when the check passed (skipped checks count as passed). skipped: type: boolean description: True when the deal is missing the data to evaluate this check. points: type: number description: Points this factor contributed. note: type: string description: Extra explanation, when available. required: - field - label - kind - criterion - deal_value - passed - skipped PublicErrorDto: type: object properties: type: type: string enum: - validation_error - authentication_error - permission_error - not_found - conflict - rate_limit_error - api_error message: type: string description: Human-readable explanation, safe to show to an operator or an agent. code: type: string description: >- Stable machine-readable code, e.g. `missing_scope`, `duplicate_business`. param: type: string description: Request field the error refers to, when applicable. request_id: type: string description: Echo of the `X-Request-Id` header. Quote it when contacting support. required: - type - message - request_id securitySchemes: bearer: scheme: bearer bearerFormat: API key or JWT type: http description: API key (`nlmca_live_…`) or OAuth access token ```` ## Related topics - [Submit a deal to lenders](/api-reference/submissions/submit-a-deal-to-lenders.md) - [Get lender criteria](/api-reference/lenders/get-lender-criteria.md) - [List a deal’s submissions](/api-reference/submissions/list-a-deal’s-submissions.md)