Embedded Credit API.

Sub-Payment Facility, surfaced where the certification happens.

Subs already use construction ERP, project-management and GC payment-portal platforms to track certifications and payment applications. The Embedded Credit API surfaces the BuildFi Sub-Payment Facility at exactly the moment a sub's IPC is certified — inside the tools they already use.

The partner platform passes the certified IPC, the GC counterparty data and the project metadata. We return a tier decision, an advance amount and the cash-settlement window. The sub clicks "accept" inside the partner UI and BuildFi wires cash within 24–72 hours.

Partners earn an integration fee per funded advance. They do not carry credit risk — BuildFi underwrites, funds and collects. Subject to FSRA Cat 3C authorisation; Phase 2+ launch.

POST /v1/advances
// headers: Authorization: Bearer prt_sk_live_…
{
  "subcontractor_id": "SUB_9042",
  "general_contractor_id": "GC_TIER1_AE_018",
  "certified_ipc": {
    "value_aed": 920000,
    "certification_ref": "IPC_2026_03",
    "due_date": "2026-07-12"
  },
  "project": {
    "developer_escrow_ref": "DLD_E_2248",
    "contract_value_aed": 5460000
  }
}

// → 202 ACCEPTED · final decision T+24-72h
{
  "decision_status": "under_review",
  "indicative_tier": "A",
  "indicative_advance_ratio": 0.80,
  "indicative_fees": {
    "discount_at_origination": 0.030,
    "holding_per_30_days": 0.020
  },
  "sharia_compatible": "tawarruq+hawala"
}