> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.finput.com.au/api/endpoints/approval-matrix/matrix/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.finput.com.au/_mcp/server.

# Find where a deal can be approved

POST https://api.finput.com.au/api/v1/matrix/
Content-Type: application/json

Evaluates a deal against every financier's approval criteria and
returns the approvals that are not ruled out, grouped by financier.

Only `cost` and `asset_value` are required. Every other field is a
criterion, and the three outcomes are:

- **confirmed** — every criterion the approval checks was supplied
  and satisfied.
- **possible** — a checked criterion had no input. The approval is
  still returned, with the outstanding answers in `missing_fields`.
  A blank input is never a violation.
- **dropped** — a supplied input violates a criterion. The approval
  is omitted from the response entirely.

A criterion left blank on the *approval* is not checked at all and
can never disqualify a deal.

Requires the `matrix.enabled` entitlement (Pro and above), and
`surfaces.matrix` on `GET /api/v1/feature-flags` to be
`available`. Runs are metered against the same daily
allowance whether they come from a session or an API token.


Reference: https://docs.finput.com.au/api/endpoints/approval-matrix/matrix

## Authentication

- `Authorization` header (bearer token, required) — JWT access token obtained from `POST /api/v1/auth/login`, or a `finput_sk_...` API token

## Request

### Headers

- `X-Finput-Client` (enum, optional) — Which client is asking, so every `message` in the response is worded for it. `ios` and `android` get sentences that state a fact and nothing more: no plan, no price, no link. Absent means `web`, which keeps its existing wording. An unrecognised value is treated like `ios` and `android`.
  - Allowed values: `web`, `ios`, `android`

### Body (application/json)

This endpoint expects a MatrixRequest.

- `cost` (string, required) — Asset cost. Compared GST-inclusive against an approval's `min_asset_cost` / `max_asset_cost`. A negative cost is rejected.
- `asset_value` (integer, required) — Asset ID from `GET /api/v1/assets/search`.
- `cost_gst` (boolean, optional, default: false) — Whether `cost` already includes GST.
- `abn_age` (integer, optional, nullable) — ABN age (months).
- `gst_age` (integer, optional, nullable) — GST registration age (months).
- `asset_age` (integer, optional, nullable) — Asset age (months). Derived from `year_model` when that is sent instead.
- `term` (integer, optional, nullable) — Requested term in months, matching the calculator's payload. Optional here where the calculator requires it: a repayment cannot be computed without a term, but a destination can still be found. Omitting it returns approvals that bound the term as `possible`, with `term` listed in `missing_fields`.
- `year_model` (integer, optional, nullable) — Build year, used to derive `asset_age`.
- `borrower_age_youngest` (integer, optional, nullable) — Youngest borrower's age (years). Tested against the approval's minimum — every borrower has to sit inside the band.
- `borrower_age_oldest` (integer, optional, nullable) — Oldest borrower's age (years), tested against the maximum. A single-borrower deal can send `borrower_age` instead and the API mirrors it into both ends.
- `borrower_age` (integer, optional, nullable) — Shorthand for a single-borrower deal.
- `file_age` (integer, optional, nullable) — Age of the borrower's **credit file**, in months — not the deal file. Months to match every other age criterion on the form (ABN age, GST age, asset age); it was days until the unit was unified.
- `credit_score` (integer, optional, nullable) — The borrower's credit score. A different criterion from `file_age`: this is the score, that is how long the file has existed, and an approval can gate on either or both.
- `industry` (string, optional, nullable) — ANZSIC division. See `GET /api/v1/approvals/options`.
- `asset_state` (enum, optional)
  - Allowed values: `none`, `new`, `used`, `demo`
- `transaction_type` (enum, optional)
  - Allowed values: `purchase`, `refinance`, `sale_hire_back`, `capital_raise`
- `home_owner` (boolean, optional, nullable)
- `private_sale` (boolean, optional, nullable)
- `sale_hire_back` (boolean, optional, nullable)
- `preferred_financier` (list of integer, optional) — Restrict results to these organisation (financier) IDs.

## Response

### 200

Approvals grouped by financier

- `financiers` (list of MatrixFinancierGroup, optional)

## Errors

### 400 Bad Request Error

Invalid input (e.g. a negative cost, or a missing asset)

- `error` (string, optional)
- `errors` (map from string to list of string, optional)

### 403 Forbidden Error

Matrix is not on this account (`entitlement_required`) or the feature is off (`feature_disabled`).

- `error` (enum, required)
  - Allowed values: `feature_disabled`, `entitlement_required`
- `detail` (string, required) — The sentence this endpoint sent before `message` existed. The same as `message` for `ios` and `android`; kept for the web.
- `message` (string, optional) — Sent with `entitlement_required`: why, worded for the client named in `X-Finput-Client`.
- `entitlement` (string, optional) — Sent with `entitlement_required`.

### 429 Too Many Requests Error

The daily Matrix allowance is spent.

- `error` (enum, required)
  - Allowed values: `cap_hit`
- `detail` (string, required) — The sentence this endpoint sent before `message` existed. The same as `message` for `ios` and `android`; kept for the web.
- `message` (string, required) — What happened, worded for the client named in `X-Finput-Client`. Show this rather than composing a sentence from the other fields.
- `limit` (integer, required)
- `used` (integer, required)
- `metric` (enum, optional) — Which allowance ran out. Sent by `/matrix-calculator/`, which spends both.
  - Allowed values: `calculator`, `matrix`

## Types

### MatrixFinancierGroup

- `organisation_id` (integer, optional)
- `organisation_name` (string, optional)
- `approvals` (list of MatrixApprovalResult, optional)

### MatrixApprovalResult

One approval that was not ruled out. Approvals whose criteria the deal violates are omitted entirely rather than returned as a rejection.

- `approval_id` (integer, optional)
- `approval_name` (string, optional)
- `doc_level` (enum, optional) — Documentation burden. Results sort least-onerous first.
  - Allowed values: `low_doc`, `lite_doc`, `full_doc`
- `status` (enum, optional) — `confirmed` — every criterion the approval checks was supplied and satisfied. `possible` — a checked criterion had no input, so it could still qualify once that answer is known. A blank input is never treated as a violation.
  - Allowed values: `confirmed`, `possible`
- `missing_fields` (list of string, optional) — Request fields that would need answering to move this row from `possible` to `confirmed`.
- `deposit_percentage` (float, optional, nullable)
- `deposit_amount` (float, optional, nullable)
- `deposit_required` (float, optional, nullable) — Deposit this deal needs, resolved from the two fields above.
- `max_term` (integer, optional, nullable) — Longest term (months) this approval will write. Also bounds a supplied `term`, so an approval capped below the requested term is dropped rather than returned.
- `rate_bracket_ids` (list of integer, optional) — Rate brackets linked to this approval.

## Examples

**Request**

```json
{
  "cost": "100000",
  "asset_value": 42,
  "cost_gst": false,
  "abn_age": 36,
  "gst_age": 24,
  "borrower_age_youngest": 32,
  "borrower_age_oldest": 58,
  "file_age": 36,
  "credit_score": 720,
  "asset_state": "used",
  "transaction_type": "purchase",
  "home_owner": true
}
```

**Response**

```json
{
  "financiers": [
    {
      "organisation_id": 1,
      "organisation_name": "Dynamoney",
      "approvals": [
        {
          "approval_id": 1,
          "approval_name": "Low doc to $150k, property owner",
          "doc_level": "low_doc",
          "status": "confirmed",
          "missing_fields": [
            "credit_score"
          ],
          "deposit_percentage": 1.1,
          "deposit_amount": 1.1,
          "deposit_required": 1.1,
          "max_term": 1,
          "rate_bracket_ids": [
            1
          ]
        }
      ]
    }
  ]
}
```

**SDK Code**

```python Approval Matrix_matrix_example
import requests

url = "https://api.finput.com.au/api/v1/matrix/"

payload = {
    "cost": "100000",
    "asset_value": 42,
    "cost_gst": False,
    "abn_age": 36,
    "gst_age": 24,
    "borrower_age_youngest": 32,
    "borrower_age_oldest": 58,
    "file_age": 36,
    "credit_score": 720,
    "asset_state": "used",
    "transaction_type": "purchase",
    "home_owner": True
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Approval Matrix_matrix_example
const url = 'https://api.finput.com.au/api/v1/matrix/';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"cost":"100000","asset_value":42,"cost_gst":false,"abn_age":36,"gst_age":24,"borrower_age_youngest":32,"borrower_age_oldest":58,"file_age":36,"credit_score":720,"asset_state":"used","transaction_type":"purchase","home_owner":true}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Approval Matrix_matrix_example
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.finput.com.au/api/v1/matrix/"

	payload := strings.NewReader("{\n  \"cost\": \"100000\",\n  \"asset_value\": 42,\n  \"cost_gst\": false,\n  \"abn_age\": 36,\n  \"gst_age\": 24,\n  \"borrower_age_youngest\": 32,\n  \"borrower_age_oldest\": 58,\n  \"file_age\": 36,\n  \"credit_score\": 720,\n  \"asset_state\": \"used\",\n  \"transaction_type\": \"purchase\",\n  \"home_owner\": true\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Approval Matrix_matrix_example
require 'uri'
require 'net/http'

url = URI("https://api.finput.com.au/api/v1/matrix/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"cost\": \"100000\",\n  \"asset_value\": 42,\n  \"cost_gst\": false,\n  \"abn_age\": 36,\n  \"gst_age\": 24,\n  \"borrower_age_youngest\": 32,\n  \"borrower_age_oldest\": 58,\n  \"file_age\": 36,\n  \"credit_score\": 720,\n  \"asset_state\": \"used\",\n  \"transaction_type\": \"purchase\",\n  \"home_owner\": true\n}"

response = http.request(request)
puts response.read_body
```

```java Approval Matrix_matrix_example
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.finput.com.au/api/v1/matrix/")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"cost\": \"100000\",\n  \"asset_value\": 42,\n  \"cost_gst\": false,\n  \"abn_age\": 36,\n  \"gst_age\": 24,\n  \"borrower_age_youngest\": 32,\n  \"borrower_age_oldest\": 58,\n  \"file_age\": 36,\n  \"credit_score\": 720,\n  \"asset_state\": \"used\",\n  \"transaction_type\": \"purchase\",\n  \"home_owner\": true\n}")
  .asString();
```

```php Approval Matrix_matrix_example
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.finput.com.au/api/v1/matrix/', [
  'body' => '{
  "cost": "100000",
  "asset_value": 42,
  "cost_gst": false,
  "abn_age": 36,
  "gst_age": 24,
  "borrower_age_youngest": 32,
  "borrower_age_oldest": 58,
  "file_age": 36,
  "credit_score": 720,
  "asset_state": "used",
  "transaction_type": "purchase",
  "home_owner": true
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Approval Matrix_matrix_example
using RestSharp;

var client = new RestClient("https://api.finput.com.au/api/v1/matrix/");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"cost\": \"100000\",\n  \"asset_value\": 42,\n  \"cost_gst\": false,\n  \"abn_age\": 36,\n  \"gst_age\": 24,\n  \"borrower_age_youngest\": 32,\n  \"borrower_age_oldest\": 58,\n  \"file_age\": 36,\n  \"credit_score\": 720,\n  \"asset_state\": \"used\",\n  \"transaction_type\": \"purchase\",\n  \"home_owner\": true\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Approval Matrix_matrix_example
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "cost": "100000",
  "asset_value": 42,
  "cost_gst": false,
  "abn_age": 36,
  "gst_age": 24,
  "borrower_age_youngest": 32,
  "borrower_age_oldest": 58,
  "file_age": 36,
  "credit_score": 720,
  "asset_state": "used",
  "transaction_type": "purchase",
  "home_owner": true
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.finput.com.au/api/v1/matrix/")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```