Retrieve a personal financial statement

{
  "applicant": {
    "name": "Michael R Chen",
    "business_name": "Greenfield Construction LLC",
    "business_type": "llc",
    "home_address": "47 Lakeshore Terrace",
    "business_address": "880 Foundry Road, Denver, CO 80216",
    "city_state_zip": "Denver, CO 80206",
    "home_phone": "(303) 555-0178",
    "business_phone": "(303) 555-0142",
    "as_of_date": "2025-12-31",
    "program": "loan_7a_504_surety",
    "signer_names": [
      "Michael R Chen"
    ],
    "signer_ssn_last4": [
      "7783"
    ],
    "signed_dates": []
  },
  "assets": {
    "cash_on_hand_and_banks": "86000",
    "savings_accounts": "240000",
    "ira_retirement": "685000",
    "accounts_notes_receivable": "11600",
    "life_insurance_csv": "52000",
    "stocks_and_bonds": "1882300",
    "real_estate": "1150000",
    "automobiles": "78000",
    "other_personal_property": "95000",
    "other_assets": null,
    "total_assets": "4279900"
  },
  "liabilities": {
    "accounts_payable": "9400",
    "notes_payable_banks_other": "62000",
    "installment_auto": {
      "balance": "34800",
      "monthly_payment": "980"
    },
    "installment_other": {
      "balance": null,
      "monthly_payment": null
    },
    "loans_against_life_insurance": null,
    "mortgages_on_real_estate": "648000",
    "unpaid_taxes": null,
    "other_liabilities": null,
    "total_liabilities": "754200",
    "net_worth": "3525700",
    "total_liabilities_and_net_worth": null
  },
  "income": {
    "salary": "185000",
    "net_investment_income": "28200",
    "real_estate_income": null,
    "other_income": "724000",
    "total_income": "937200"
  },
  "contingent": {
    "as_endorser_or_co_maker": "900000",
    "legal_claims_judgments": null,
    "provision_federal_income_tax": null,
    "other_special_debt": null
  },
  "notes_payable": [
    {
      "noteholder": "First Summit Bank, Denver, CO",
      "original_balance": "90000",
      "current_balance": "62000",
      "payment_amount": "1,650",
      "payment_frequency": "Monthly",
      "collateral_or_endorsement": "Unsecured"
    }
  ],
  "stocks_and_bonds": [
    {
      "shares": null,
      "security_name": "Greenfield Construction LLC (50%)",
      "cost": "250000",
      "market_value": "887500",
      "quotation_date": "2025-12-31",
      "total_value": "887500"
    },
    {
      "shares": "300",
      "security_name": "Meridian Health Partners, Inc. (30%)",
      "cost": "150000",
      "market_value": "394800",
      "quotation_date": "2025-12-31",
      "total_value": "394800"
    },
    {
      "shares": null,
      "security_name": "Summit Wealth Advisors brokerage",
      "cost": "462000",
      "market_value": "600000",
      "quotation_date": "2025-12-31",
      "total_value": "600000"
    }
  ],
  "real_estate": [
    {
      "label": "A",
      "property_type": "primary_residence",
      "address": "47 Lakeshore Terrace, Denver, CO 80206",
      "date_purchased": "2017-05",
      "original_cost": "720000",
      "present_market_value": "1150000",
      "mortgage_holder": "Cherry Creek Savings Bank, Denver, CO",
      "mortgage_account_number": "****4419",
      "mortgage_balance": "648000",
      "monthly_payment": "3940",
      "yearly_payment": null,
      "payment_amount": "3,940 / month",
      "mortgage_status": "Current"
    }
  ],
  "descriptions": {
    "other_income": "Sch. C net profit $58,000; Sch. K-1: Greenfield Construction LLC (50%) $510,000, Meridian Health Partners, Inc. (30%) $156,000",
    "other_property_assets": "Accounts and notes receivable $11,600 - 2025 federal income tax refund receivable (Form 1040, line 35a). Automobiles $78,000 - 2023 Ford F-250 and 2021 Lexus RX 350; the Ford is pledged to Alpine Credit Union, installment balance $34,800, $980 per month, current. Other personal property $95,000 - household furnishings, tools and job-site equipment; no liens.",
    "unpaid_taxes": "None. The 2025 federal return reports total tax of $248,400 against total payments of $260,000, producing the $11,600 refund receivable reported in Section 5. No federal, state or local tax liens.",
    "other_liabilities": "None.",
    "life_insurance_held": "Whole life policy, Front Range Mutual Life, $1,500,000 face amount; cash surrender value $52,000. Beneficiary: spouse. Collaterally assigned to Citizens Bank for the Greenfield Construction LLC term loan."
  },
  "extraction_path": "acroform",
  "pfs_kind": "sba_413",
  "acceptance": {
    "accepted": true
  },
  "signals": []
}

Retrieves a single extracted personal financial statement. Requesting a document of any other type returns a 404.

Authentication

AuthorizationBearer

Bearer token. Use ss_live_… for live data or ss_test_… for the sandbox (test mode). See Authentication.

Bearer token. Use `ss_live_…` for live data or `ss_test_…` for the sandbox (test mode). See [Authentication](https://docs.spreadspace.app/api/authentication).

Path parameters

borrowerIdstringRequired

The borrower's id.

docIdstringRequired

The document's id.

Response headers

X-Request-IDstringOptional

Correlation ID for this request. Quote it in support tickets.

SpreadSpace-VersionstringOptional

The API surface version the server resolved for this request. Always present, regardless of whether the client supplied the request-side SpreadSpace-Version header. Default: 2026-07-19.

RateLimit-Limitinteger

Request budget of the endpoint’s rate-limit policy per 60-second sliding window. See Rate limits.

Request budget of the endpoint's rate-limit policy per 60-second sliding window. See [Rate limits](https://docs.spreadspace.app/api/rate-limits).

RateLimit-Remaininginteger

Requests left in the current window. Suppressed on 429 responses produced outside the rate limiter (for example a usage throttle), where a remaining budget would be misleading.

RateLimit-Resetinteger

Seconds until a guaranteed-fresh window.

RateLimit-PolicystringOptional

The active policy in limit;w=window-seconds form.

Response

Errors

400

Bad Request Error

401

Unauthorized Error

403

Forbidden Error

404

Not Found Error

429

Too Many Requests Error

500

Internal Server Error

$	curl https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4/extractions/d987f654e32ba10dc98765fe/pfs \
>	-H "Authorization: Bearer <token>"

Authentication

Path parameters

Headers

Response headers

Response

Errors