> This page is for API. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.spreadspace.app/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.spreadspace.app/_mcp/server. # memo.finalized POST Fires once per finalize: an analyst finished a credit memo, it was locked, and its final PDF was made. The payload carries ids, not the memo. Pull the PDF from `GET /api/loans/{loan_id}/memos/{memo_id}/pdf`. Reference: https://docs.spreadspace.app/api/api-reference/webhook-events/webhook-memo-finalized ## Request ### Headers - `SpreadSpace-Signature` (string, required) — Signature over the exact request body: `t=,v1=`. Verify it before trusting the body, and reject a `t` more than five minutes from your own clock. During a secret rotation both the new and the previous secret verify for 24 hours; each delivery is signed with exactly one. - `SpreadSpace-Event-Id` (string, required) — The event id, identical to the body's `id`. Stable across retries and replays, and shared by every endpoint one event fans out to. Delivery is at-least-once, so dedupe on it. ### Payload - `id` (string, required) — Event id: `evt_` plus 24 lowercase hex characters. Also sent as the `SpreadSpace-Event-Id` header. Stable across retries and replays, so dedupe on it. - `type` (enum, required) — Always this event type on this body. - Allowed values: `memo.finalized` - `created_at` (datetime, required) — Server-side wall-clock time the event was created, RFC 3339. Deliveries are not ordered; reconcile on this. - `tenant_id` (string, required) — The workspace the event belongs to. Reject a delivery whose tenant does not match the endpoint you registered. - `livemode` (boolean, required) — `true` for live activity, `false` for test mode (an `ss_test_` key or the sandbox simulator). Branch on it to route test deliveries to a staging handler. - `data` (MemoFinalizedPayload, required) — The `data` object on a `memo.finalized` delivery, sent once per finalize: an analyst finished a credit memo and its final PDF is made. The memo is locked until someone reopens it, so what this points at is the deal's finished document. A pointer, not a payload: ids, the time and the spread snapshots the memo was approved on, never the memo's prose or its figures. Pull the PDF through `GET /api/loans/{loan_id}/memos/{memo_id}/pdf`. - `api_version` (string, optional) — The API version the delivery was rendered under, a date stamp: the same value `/v1/openapi.json` reports as `info.version`. The envelope and `data` have that version's shape, and a breaking change ships under a new stamp. A delivery recorded before this field existed carries none, and has the `2026-10-07` shape. ## Types ### MemoFinalizedPayload The `data` object on a `memo.finalized` delivery, sent once per finalize: an analyst finished a credit memo and its final PDF is made. The memo is locked until someone reopens it, so what this points at is the deal's finished document. A pointer, not a payload: ids, the time and the spread snapshots the memo was approved on, never the memo's prose or its figures. Pull the PDF through `GET /api/loans/{loan_id}/memos/{memo_id}/pdf`. - `memo_id` (string, required) — The memo that was finalized. - `loan_id` (string, required) — The loan the memo is saved on. - `borrower_id` (string, required) — The borrower that owns the loan. - `render_id` (string, required) — The render that made the final PDF, named by the render id this API serves everywhere else. - `finalized_at` (datetime, required) — When the memo was finalized. This is the same instant the memo list reports as `finalized_at`, not when the PDF finished printing. - `spread_snapshots` (list of MemoFinalizedPayloadSpreadSnapshotsItems, required) — The spread figures the memo was approved on: one entry per entity its figure exhibits cite, naming the `final` attribute snapshot, its version and the entity. Empty when the memo has no figure exhibits. ### MemoFinalizedPayloadSpreadSnapshotsItems One entity's spread figures a finalized credit memo was approved on: the `final` attribute snapshot its figure exhibits cite, that snapshot's version, and the entity the figures belong to. A pointer, not the figures: read them from `GET /api/loans/{loan_id}/attributes/{snapshot_id}`. Carried by `memo.finalized` and `memo.reopened` and by the memo list. - `snapshot_id` (string, required) — The `final` attribute snapshot the memo's figures for this entity came from. - `version` (integer, required) — That snapshot's per-loan version number. - `entity` (MemoFinalizedPayloadSpreadSnapshotsItemsEntity, required) — The entity a memo's pinned spread figures belong to: its scope `key` and display `name`. ### MemoFinalizedPayloadSpreadSnapshotsItemsEntity The entity a memo's pinned spread figures belong to: its scope `key` and display `name`. - `key` (string, required) — The scope key, `business:...` or `person:...`, or `whole-loan` for the loan's own figures, such as a Global DSCR. - `name` (string, optional, nullable) — The entity's display name. Null when none was stated.