Request a Business Funding

The /api/loans/loanRequest endpoint allows eligible business customers to initiate a funding request by accepting a pre-generated offer. Only merchant customers with recorded sales activity within the past month are eligible to receive and accept loan offers. On success, the system forwards business data to the loan provider and returns a lead URL used to complete the application.

Endpoint

GET /api/loans/loanRequest

Authentication

Bearer token required. Obtain via:

POST https://api.banking.netevia.dev/api/auth/v2

Include in header: Authorization: Bearer {token}
Token lifetime: 10 minutes. Refresh via POST /api/auth/refresh.

When to use

Use this endpoint when an eligible merchant customer wishes to accept a pre-generated funding offer and submit their application to the loan provider. Loan amounts are predefined by the offer and cannot be manually selected. After a successful call, use GET /api/loans/loanSettings to retrieve the SignUpUrl needed to complete the application submission.

Query Parameters

Response

200 OK

{
  "value": "https://loanprovider.example.com/apply?lead=abc123xyz"
}

Error Codes

Common Mistakes

• Passing a financialAccountId that does not belong to the authenticated customer will result in a 404 or 400 error.
• Attempting to use this endpoint for personal (non-business) customers will be rejected; only business merchant customers with recent sales data are eligible.
• Do not attempt to select a custom loan amount — the offerId references a predefined offer and the amount is fixed by that offer.
• After calling this endpoint, you must call GET /api/loans/loanSettings to retrieve the SignUpUrl; the lead URL alone is not sufficient to complete the application.

Related Endpoints

• GET /api/loans/loanSettings — Retrieve loan settings including the SignUpUrl needed to complete the funding application.
• GET /api/loans/loanOffers — Retrieve available pre-generated loan offers for an eligible merchant customer.

Example

curl -X GET "https://api.banking.netevia.dev/api/loans/loanRequest?offerId=OFFER_ID_HERE&financialAccountId=XXXXXXXXXX" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json"