Overview of the Business Funding API, which provides partners with detailed data on merchant funding agreements, balances, and offers.
Introduction to Business Funding
The Business Funding API gives partners access to detailed information on active and past merchant funding agreements, including funding amounts, remaining balances, and available offers. Partners can integrate this API into their own applications to provide merchants with a unified view of their funding alongside other banking services. It also supports customer support workflows and enables comprehensive reporting and business insights.
Authentication
Bearer token required. Obtain via:
POST https://api.banking.netevia.dev/api/auth/v2Include in header: Authorization: Bearer {token}
Token lifetime: 10 minutes. Refresh via POST /api/auth/refresh.
When to use
Use the Business Funding API when you need to surface funding-related information to business customers. This includes displaying the number of active or past funding agreements a merchant holds, showing remaining balances and original funding amounts, and presenting prequalification or new funding offers. It is also well-suited for powering internal customer support tools where agents need a complete picture of a merchant's funding history.
Key Capabilities
| Capability | Description |
|---|---|
| Agreement summary | Retrieve the count of active and past merchant funding agreements |
| Balance and amounts | Access remaining balances and original funding amounts for each agreement |
| Agreement list | List both active and previous funding agreements for a merchant |
| Funding offers | View prequalification results and new business funding offers available to a merchant |
Integration Scenarios
Unified merchant portal — Embed the Business Funding API into your partner application so merchants can manage funding alongside their accounts, cards, and transfers in one place.
Customer support workflow — Surface funding agreement data to support agents so they can provide informed, accurate assistance when merchants have questions about their funding status or repayment.
Reporting and analytics — Pull funding data into dashboards and reports to track portfolio health, monitor repayment trends, and generate insights across your merchant base.
Notes
- The Business Funding API is available to business customers only.
- Partners must be authorized by Netevia to access funding data endpoints.
- All requests require a valid Bearer token with appropriate partner-level permissions.
Error Codes
| Code | When it happens |
|---|---|
| 401 | Token missing, expired, or invalid |
| 403 | Insufficient permissions to access funding data |
| 404 | Merchant or funding agreement not found |
| 500 | Internal server error |
Common Mistakes
- Using a personal customer token instead of a business-scoped token when querying funding agreements.
- Forgetting to refresh the Bearer token before it expires (10-minute lifetime), which results in 401 errors on subsequent calls.
Related Endpoints
GET /api/funding/v1/agreements— List all funding agreements for a merchantGET /api/funding/v1/agreements/{agreementId}— Retrieve details for a specific funding agreementGET /api/funding/v1/offers— Retrieve prequalification and new funding offers for a merchant