Release Notes

In this release, we’ve launched Encore by Ocrolus, a double opt-in borrower intelligence sharing platform for small business funding, introduced the Employment Start Date Configuration API, added the ability to delete bank statements from the Ocrolus Dashboard, and added a new Classify-only supported document.

What's new?

SMB

Encore by Ocrolus is now live

Encore by Ocrolus — a groundbreaking, double opt-in borrower intelligence sharing platform built specifically for small business funding is now live. This new platform helps small business lenders say yes more often by securely receiving and sharing decision-ready merchant cash flow profiles with trusted partners.

Encore is embedded directly into the Ocrolus platform (Dashboard and API) to enable lenders to fund deals faster and protect key funding relationships.

Key components

Decision-ready merchant cash flow profiles: Standardized data with Ocrolus cash flow analytics, fraud checks, and industry classification, ready for faster approvals and confident decisions.
Secure deal sharing: Permissioned, double-opt-in process that keeps participants in full control, choosing when, what, and with whom to share.
Seamless integration: Available in the Ocrolus Dashboard and through full API endpoints for sharing and retrieving profiles.
Governance & controls: Role-based permissions and audit trails for compliance.

To learn more, see the Encore user guide and Encore API documentation.

Book copy job APIs

As part of the Encore by Ocrolus integration, we’ve introduced the following three new APIs that enable brokers and lenders to securely share, receive, and manage processed loan applications within the Ocrolus ecosystem. Together, they streamline broker–lender collaboration, reduce manual workflows, and accelerate funding decisions.

POST [/v1/book/copy-jobs](https://docs.ocrolus.com/reference/create-book-copy-jobs): This API submits asynchronous copy requests that duplicate a Book and all uploaded documents to a specified recipient organization.
GET [/v1/settings/book-copy](https://docs.ocrolus.com/reference/get-book-copy-settings-allow-list): This API retrieves a list of allowed recipient and sender organizations for Book copying.
GET[/v1/book/copy-jobs](https://docs.ocrolus.com/reference/list-book-copy-jobs): This API retrieves a list of Book copy jobs and their details. By default, it returns outbound jobs—requests your organization sent.

Shared Book event webhook

We’ve added a new book.copy.request_received webhook event that triggers whenever a new Book is shared with you. API users can subscribe to this event to receive updates automatically at scale.

When a partner shares a Book, a shared_book_label is included in the webhook payload. This label represents the deal or opportunity name, allowing you to easily link the shared cash flow data back to the corresponding deal in your system. To learn more, see the available events.

{
"notification_type": "STATUS",
"notification_reason": "Book copy request sent to your org",
"severity": "LOW",
"event_name": "book.copy.request_received",
"timestamp": "2025-09-30T12:34:56Z",
"copy_job_id": "c1234567-89ab-4def-9012-3456789abcde",
"sender_org_uuid": "11112222-3333-4444-5555-666677778888",
"sender_org_name": "Partner Name",
"shared_book_label": "Deal 1234",
}

Mortgage

Employment start date configuration API

We’re excited to introduce the Employment Start Date Configuration /v2/book/{uuid}/income/entity_config API. This API is designed to give developers greater control over managing borrower–employer relationships within the Ocrolus platform. Using this API, you can create or update employment start dates for borrower–employer pairs linked to a specific Book. Optional identifiers such as EIN, last four SSN digits, and income type enable more accurate borrower–employer matching, ensuring cleaner and more consistent data across your integrations. When provided, the employment start date is also used in income calculation. To learn more, see the Configure Income Entity page.

Request body

{
  "entity_details": {
    "name": "ACME MANUFACTURING INC",
    "ein": "112233445"
  },
  "borrower_details": {
    "name": "JOHN A DOE",
    "last_four_ssn_digits": "6789"
  },
  "employment_start_date": "2023-09-15",
  "income_type": "WAGE_EARNER"
}

Sample response

{
  "data": {
    "uuid": "84b2e33c-94e0-4bb7-bb16-7125d553aa52",
    "book_uuid": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "borrower_details": {
      "name": "JOHN A DOE",
      "last_four_ssn_digits": "6789"
    },
    "entity_details": {
      "name": "ACME MANUFACTURING INC",
      "ein": "112233445"
    },
    "income_type": "WAGE_EARNER",
    "employment_start_date": "2023-09-15",
    "created_ts": "2025-10-15T13:44:42.367040"
  },
  "success": true,
  "code": 201
}

Enhancements

Mortgage

Document deletion - bank statements

You can now delete incorrect, unnecessary, or sensitive bank statements that have been uploaded. This enhancement addresses the need for greater control over uploaded documents, particularly when statements contain unrelated accounts, periods, or non-borrower information.

To learn more, see the Deleting document section.

Classify

New Classify supported document

The Classify supports are enabled for the following newly onboarded document:

Mortgage-specific forms

Certification and Acknowledgement of Mortgage Loan Application

To learn more, see the All Supported Documents page.