# POST /api/v1/businesses/{business_id}/cfo-portal/debt-schedule/parse-contract

> Parse debt contract into a draft payment schedule

- **Tag:** cfo-portal
- **Operation ID:** `cfo_portal_parse_debt_contract_api_v1_businesses__business_id__cfo_portal_debt_schedule_parse_contract_post`

## Description

Parse an uploaded lending contract into structured terms and schedule.

**Request Body:**
- `s3_key`: S3 key of an uploaded contract document (required).

## Authentication

Bearer token in `Authorization` header.
Required header: `x-business-id: <business uuid>`.

## Parameters

- `business_id` (path, string, required)

## Request body

Schema: `DebtContractParseRequest`

- `s3_key` (string · required) — S3 key of the uploaded debt contract document.

## Responses

### 201 — Successful Response

Schema: `ParseDebtContractResponse`

- `contract` (ParsedDebtContract · required) → `ParsedDebtContract`
  - `name` (string · required)
  - `lender` (string · required)
  - `debt_type` (string · required) — DebtTypeEnum value: term_loan, line_of_credit, mortgage, equipment_loan, sba_loan, convertible_note, revenue_based, other.
  - `original_principal_cents` (integer · required)
  - `current_balance_cents` (integer · required)
  - `interest_rate_bps` (integer) — Annual interest rate in basis points (e.g. 500 = 5.00%). Set to 0 for revenue-based financing.
  - `term_months` (integer) — Loan term in months. For revenue-based financing this is an estimate of months to cap based on assumed revenue.
  - `start_date` (string · required) — Contract start date as ISO-8601 YYYY-MM-DD.
  - `maturity_date` (string · required) — Maturity/expected payoff date as ISO-8601 YYYY-MM-DD. For RBF this is an estimate based on the share rate.
  - `payment_frequency` (string) — PaymentFrequencyEnum value: monthly, quarterly, semi_annual, annual, bullet, or revenue_share.
  - `payment_amount_cents` (integer) — Scheduled payment per period (fixed) or 0 for RBF.
  - `revenue_share_bps` (integer) — Revenue-share rate in basis points; only set for ``revenue_based`` debt.
  - `total_repayment_cap_cents` (integer) — Total dollar cap on cumulative repayments; only set for ``revenue_based`` debt.
  - `summary` (string) — One-paragraph human summary of the contract.
  - `confidence` (number) — Parsing confidence in [0, 1] reported by the LLM.
- `payment_schedule` (array · ParsedDebtScheduleRow) → `ParsedDebtScheduleRow`
  - `payment_date` (string · required) — ISO-8601 YYYY-MM-DD.
  - `amount_cents` (integer · required)
  - `principal_cents` (integer · required)
  - `interest_cents` (integer · required)
  - `remaining_balance_cents` (integer · required)

### 400 — Bad Request - Invalid input

### 401 — Unauthorized - Authentication required

### 403 — Forbidden - Insufficient permissions

### 404 — Not Found - Resource does not exist

### 422 — Validation Error

Schema: `HTTPValidationError`

- `detail` (array · ValidationError) → `ValidationError`
  - `loc` (array · string | integer · required)
  - `msg` (string · required)
  - `type` (string · required)
  - `input` (object)
  - `ctx` (object)

## Code samples

### cURL

```bash
curl -X POST 'https://api.ondayzero.com/api/v1/businesses/{business_id}/cfo-portal/debt-schedule/parse-contract' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "s3_key": "string"
}'
```

### JavaScript

```javascript
const response = await fetch('https://api.ondayzero.com/api/v1/businesses/{business_id}/cfo-portal/debt-schedule/parse-contract', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer dz_your_token',
    'x-business-id': 'YOUR_BUSINESS_ID',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
  "s3_key": "string"
}),
});
const data = await response.json();
```

### Python

```python
import httpx

headers = {
    "Authorization": "Bearer dz_your_token",
    "x-business-id": "YOUR_BUSINESS_ID",
}

payload = {
  "s3_key": "string"
}

response = httpx.post("https://api.ondayzero.com/api/v1/businesses/{business_id}/cfo-portal/debt-schedule/parse-contract", headers=headers, json=payload)
data = response.json()
```

## See also

- HTML version: https://www.ondayzero.com/docs/reference/cfo-portal/cfo-portal-parse-debt-contract
- OpenAPI slice: https://www.ondayzero.com/docs/reference/cfo-portal/cfo-portal-parse-debt-contract/openapi.json
- Other endpoints in **cfo-portal**: https://www.ondayzero.com/docs/reference/cfo-portal