Introduction
Welcome to the Lendflow API! This document describes how clients can integrate with Lendflow, to create and monitor capital solutions offered by Lendflow.
We currently have language bindings in Shell! You can view code examples in the area to the right, and you can switch the programming language of the examples with the tabs in the top right. If you would like to request any additional bindings, then please contact the Technology Team at tech@lendflow.io and we will aim to add them in the near future.
1. Authentication
Lendflow uses API Bearer Tokens to permit access to our API. You can register for a new Lendflow API key on our client portal in less than 60 seconds. The Bearer Token needs to be included in all API requests made to the API Service in the following form:
Authorization: Bearer [YOUR_TOKEN]
You must replace [YOUR_TOKEN] with your personal API key.
Get Bearer token
This endpoint allows user to get Bearer Token based on provided login credentials.
POST
api/v1/auth/login
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v1/auth/login" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"email\": \"qkunze@example.com\",
\"password\": \"Asdf1234!?\"
}"
The above command returns JSON structured like this:
{
"access_token": "YOUR_BEARER_TOKEN",
"token_type": "bearer",
"expires_in": 3600
}
The above command returns JSON structured like this:
{
"message": "Your password has expired.",
"errors": {
"errors": {
"password": [
"Your password has expired. Please set a new one."
]
}
},
"meta": {
"error_code": "password_expired",
"password_ttl_days": 14
}
}
Received response:
Request failed with error:
Get User Details
Requires Authentication
This endpoint allows user to get his personal information.
GET
api/v1/auth/me
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v1/auth/me" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": {
"id": 1,
"first_name": "Matthew",
"last_name": "Watts",
"email": "mwatts+client@lendflow.io",
"pending_email": null,
"widget_token": "zKjBboFlC2wPyi9i28dKEJKjAs5WWdZa",
"created_at": "2021-04-29T14:05:30.000000Z"
}
}
Received response:
Request failed with error:
Refresh access token
Requires Authentication
This endpoint creates a fresh token for the user. Our requirement is a 2hr expiration on a token. We do not want a user to be able to refresh a token 2 hours after its IAT.
Refreshing a token using tymon/jwt-auth actually retains the IAT from the original token. When we refresh a token we want to have a fresh IAT allowing that token to be good for another 2hrs from when it was issued.
POST
api/v1/auth/refresh
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v1/auth/refresh" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"access_token": "YOUR_BEARER_TOKEN",
"token_type": "bearer",
"expires_in": 3600
}
Received response:
Request failed with error:
2. Capital Qualification
Legacy API endpoints
Pre-Qualification
Requires Authentication
This endpoint, allows registered users with historical financial data, to run a Pre-Qualification through the Lendflow system
POST
api/v1/prequalification
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v1/prequalification" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"data\": [
{
\"statement_date\": \"2021-06-19T15:01:23+0000\",
\"statement_amount\": 12123.12
},
{
\"statement_date\": \"2021-05-19T15:01:23+0000\",
\"statement_amount\": 12123.12
},
{
\"statement_date\": \"2021-04-19T15:01:23+0000\",
\"statement_amount\": 12123.12
}
]
}"
The above command returns JSON structured like this:
{
"code": 200,
"data": {
"issue_date": "2021-01-06T11:23:26Z",
"prequalification_total": 25000
}
}
Received response:
Request failed with error:
3. Capital Application
Legacy API endpoints
Apply for Capital
Requires Authentication
This endpoint, allows registered users, to submit a request for funding in the Lendflow system.
POST
api/v1/application
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v1/application" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"sandbox\": false,
\"dba_name\": \"My bussines INC\",
\"first_name\": \"John\",
\"last_name\": \"Doe\",
\"phone_number\": \"+2125555555\",
\"email_address\": \"vmqeopfuudtdsufvyvddqamniihfqcoynlazghdtqtqxbajwbpilpmufinllwloauydlsmsjuryvojcybzvrbyickznkygloigmkwxphlvazjrcnfbaqywuxhgjjmzuxjubqouzswiwxtrkimfcatbxspzmrazsroyjpxmqesedyghenqcopwvownkbamlnfngefbei\",
\"use_of_funds\": \"Expand business\",
\"amount_needed\": 300000,
\"country\": \"US\",
\"business_entity_type\": \"LLC\",
\"business_start_date\": \"2016-05-24\",
\"business_address\": \"25th Street 120\",
\"business_city\": \"New York\",
\"business_state\": \"NY\",
\"business_zip\": \"10001\",
\"owner_date_of_birth\": \"2001-10-20\",
\"owner_home_address\": \"25th Street 120\",
\"owner_city\": \"New York\",
\"owner_state\": \"NY\",
\"owner_zip\": \"10001\",
\"owner_ssn\": \"123456789\",
\"employer_identification_number\": \"123456789\",
\"number_of_owners\": 17,
\"other_owners\": [
{
\"first_name\": \"John\",
\"last_name\": \"Doe\",
\"email_address\": \"qkunze@example.com\",
\"address\": \"25th Street 121\",
\"country\": \"US\",
\"city\": \"New York\",
\"state\": \"NY\",
\"zip\": \"10001\",
\"ssn\": \"123456789\",
\"dob\": \"2001-10-20\",
\"ownership\": 50
}
]
}"
The above command returns JSON structured like this:
{
"code": 201,
"data": {
"application_identifier": "XXXX"
}
}
Received response:
Request failed with error:
Retrieve Applications
Requires Authentication
This endpoint, allows registered users, to retrieve all applications that have been submitted through the integration widget and/or api.
GET
api/v1/deals
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v1/deals" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": [
{
"uuid": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"token": null,
"business_name": "Bigs Rig And Auto",
"first_name": "Brian",
"last_name": "Goodson",
"state": "NY",
"email": "bgoodson09@me.com",
"status": "Underwriting",
"tracking_tokens": []
},
{
"uuid": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"token": null,
"business_name": "Bigs Rig And Auto",
"first_name": "Brian",
"last_name": "Goodson",
"state": "NY",
"email": "bgoodson09@me.com",
"status": "Underwriting",
"tracking_tokens": []
}
],
"links": {
"first": "/?page=1",
"last": "/?page=1",
"prev": null,
"next": null
},
"meta": {
"current_page": 1,
"from": 1,
"last_page": 1,
"links": [
{
"url": null,
"label": "« Previous",
"active": false
},
{
"url": "/?page=1",
"label": "1",
"active": true
},
{
"url": null,
"label": "Next »",
"active": false
}
],
"path": "/",
"per_page": "10",
"to": 2,
"total": 2
}
}
Received response:
Request failed with error:
Retrieve Single Application
Requires Authentication
This endpoint, allows registered users, to retrieve single application providing its uuid.
GET
api/v1/deals/{application}
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v1/deals/317fdf56-cc6d-4856-bde5-0bcb2e79b41e" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": {
"uuid": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"token": null,
"business_name": "Bigs Rig And Auto",
"first_name": "Brian",
"last_name": "Goodson",
"state": "NY",
"email": "bgoodson09@me.com",
"status": "Underwriting",
"tracking_tokens": []
}
}
Received response:
Request failed with error:
4. Application Offers
Legacy API endpoints
Get all Offers
Requires Authentication
This endpoint, allows registered users, to retrieve offers
GET
api/v1/offers
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v1/offers" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": [
{
"businesslegalname": "Absolute Vending Repair Services",
"deal": "77912305-8318-4bcb-a103-810826bbea1a",
"date_offer": "2021-12-06T21:21:35.000000Z",
"name": null,
"credit_available": null,
"discount_rate_10days": null,
"discount_rate_month": null,
"term": null,
"term_length": null,
"offer_amount": null,
"min_sell_factor_rate": null
},
{
"businesslegalname": "Absolute Vending Repair Services",
"deal": "77912305-8318-4bcb-a103-810826bbea1a",
"date_offer": "2021-12-06T21:21:35.000000Z",
"name": null,
"credit_available": null,
"discount_rate_10days": null,
"discount_rate_month": null,
"term": null,
"term_length": null,
"offer_amount": null,
"min_sell_factor_rate": null
}
]
}
Received response:
Request failed with error:
5. Business Credit Application
Legacy API endpoints
Apply for Business Credit
Requires Authentication
POST
api/v1/applications/business_credit
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v1/applications/business_credit" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: multipart/form-data" \
--header "Accept: application/json" \
--form "basic_info[first_name]=John" \
--form "basic_info[last_name]=Doe" \
--form "basic_info[email_address]=john@doe.com" \
--form "basic_info[telephone]=2025550152" \
--form "basic_info[doing_business_as]=CEO" \
--form "basic_info[date_of_birth]=1990-05-26" \
--form "business_address[address_line]=20 Hudson Yards" \
--form "business_address[address_line2]=" \
--form "business_address[city]=New York" \
--form "business_address[state]=NY" \
--form "business_address[country]=US" \
--form "business_address[zip]=10001" \
--form "business_start_date=2001-05-26" \
--form "business_entity=business_entity_type_1" \
--form "business_legal_name=John Doe LLC" \
--form "employee_identification_number=123456789" \
--form "social_security_number=123456789" \
--form "individual_taxpayer_identification_number=987654321" \
--form "terms_of_service=" \
--form "requested_products[]=experian_judgments" \
--form "plaid_data[accounts][][mask]=0000" \
--form "plaid_data[accounts][][name]=Plaid Checking" \
--form "plaid_data[accounts][][type]=depository" \
--form "plaid_data[accounts][][subtype]=checking" \
--form "plaid_data[accounts][][balances][limit]=" \
--form "plaid_data[accounts][][balances][current]=110" \
--form "plaid_data[accounts][][balances][available]=100" \
--form "plaid_data[accounts][][balances][iso_currency_code]=USD" \
--form "plaid_data[accounts][][balances][unofficial_currency_code]=" \
--form "plaid_data[accounts][][account_id]=8r8K5P6NlXIQqJLB8w8nfLGPmj8Q8MFwG5aGk" \
--form "plaid_data[accounts][][official_name]=Plaid Gold Standard 0% Interest Checking" \
--form "plaid_data[transactions][][date]=2021-04-12" \
--form "plaid_data[transactions][][name]=United Airlines" \
--form "plaid_data[transactions][][amount]=220.42" \
--form "plaid_data[transactions][][pending]=" \
--form "plaid_data[transactions][][category][]=Travel" \
--form "plaid_data[transactions][][location][lat]=" \
--form "plaid_data[transactions][][location][lon]=" \
--form "plaid_data[transactions][][location][city]=" \
--form "plaid_data[transactions][][location][region]=" \
--form "plaid_data[transactions][][location][address]=" \
--form "plaid_data[transactions][][location][country]=" \
--form "plaid_data[transactions][][location][postal_code]=" \
--form "plaid_data[transactions][][location][store_number]=" \
--form "plaid_data[transactions][][account_id]=EQgePW78jXTZ9x7EmkmVhR9DpZl6lkuX1zQ1W" \
--form "plaid_data[transactions][][category_id]=22001000" \
--form "plaid_data[transactions][][payment_meta][payee]=" \
--form "plaid_data[transactions][][payment_meta][payer]=" \
--form "plaid_data[transactions][][payment_meta][ppd_id]=" \
--form "plaid_data[transactions][][payment_meta][reason]=" \
--form "plaid_data[transactions][][payment_meta][by_order_of]=" \
--form "plaid_data[transactions][][payment_meta][payment_method]=" \
--form "plaid_data[transactions][][payment_meta][reference_number]=" \
--form "plaid_data[transactions][][payment_meta][payment_processor]=" \
--form "plaid_data[transactions][][account_owner]=" \
--form "plaid_data[transactions][][merchant_name]=United Airlines" \
--form "plaid_data[transactions][][transaction_id]=pBdwjmgq14H9jVg1WEWDiMdRjRBAKzILWegNa" \
--form "plaid_data[transactions][][authorized_date]=" \
--form "plaid_data[transactions][][payment_channel]=in store" \
--form "plaid_data[transactions][][transaction_code]=" \
--form "plaid_data[transactions][][transaction_type]=special" \
--form "plaid_data[transactions][][iso_currency_code]=USD" \
--form "plaid_data[transactions][][pending_transaction_id]=" \
--form "plaid_data[transactions][][unofficial_currency_code]=" \
--form "plaid_data[total_transactions]=16" \
--form "client_tracking_token=vmqeopfuudtdsufvyvddqamniihfqcoynlazghdtq" \
--form "tracking_tokens[]=" \
--form "bank_statements[][type]=bank_statements_4" \
--form "personal_address[address_line]=20 Hudson Yards" \
--form "personal_address[address_line2]=" \
--form "personal_address[city]=New York" \
--form "personal_address[state]=NY" \
--form "personal_address[country]=US" \
--form "personal_address[zip]=10001" \
--form "bank_statements[][file]=@/tmp/phpKhoyRs" The above command returns JSON structured like this:
{
"application_id": "XXXX"
}
Received response:
Request failed with error:
Enrich Business Credit Application
Requires Authentication
PUT
api/v1/applications/business_credit/{application}/enrich
Use the following command
curl --request PUT \
"https://api.lendflow.com/api/v1/applications/business_credit/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/enrich" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: multipart/form-data" \
--header "Accept: application/json" \
--form "basic_info[first_name]=John" \
--form "basic_info[last_name]=Doe" \
--form "basic_info[email_address]=john@doe.com" \
--form "basic_info[telephone]=2025550152" \
--form "basic_info[doing_business_as]=CEO" \
--form "basic_info[date_of_birth]=1990-05-26" \
--form "business_address[address_line]=20 Hudson Yards" \
--form "business_address[address_line2]=" \
--form "business_address[city]=New York" \
--form "business_address[state]=NY" \
--form "business_address[country]=US" \
--form "business_address[zip]=10001" \
--form "business_start_date=2001-05-26" \
--form "business_entity=business_entity_type_1" \
--form "business_legal_name=John Doe LLC" \
--form "employee_identification_number=123456789" \
--form "social_security_number=123456789" \
--form "individual_taxpayer_identification_number=987654321" \
--form "requested_products[]=dnb_cer_l1" \
--form "plaid_data[accounts][][mask]=0000" \
--form "plaid_data[accounts][][name]=Plaid Checking" \
--form "plaid_data[accounts][][type]=depository" \
--form "plaid_data[accounts][][subtype]=checking" \
--form "plaid_data[accounts][][balances][limit]=" \
--form "plaid_data[accounts][][balances][current]=110" \
--form "plaid_data[accounts][][balances][available]=100" \
--form "plaid_data[accounts][][balances][iso_currency_code]=USD" \
--form "plaid_data[accounts][][balances][unofficial_currency_code]=" \
--form "plaid_data[accounts][][account_id]=8r8K5P6NlXIQqJLB8w8nfLGPmj8Q8MFwG5aGk" \
--form "plaid_data[accounts][][official_name]=Plaid Gold Standard 0% Interest Checking" \
--form "plaid_data[transactions][][date]=2021-04-12" \
--form "plaid_data[transactions][][name]=United Airlines" \
--form "plaid_data[transactions][][amount]=220.42" \
--form "plaid_data[transactions][][pending]=" \
--form "plaid_data[transactions][][category][]=Travel" \
--form "plaid_data[transactions][][location][lat]=" \
--form "plaid_data[transactions][][location][lon]=" \
--form "plaid_data[transactions][][location][city]=" \
--form "plaid_data[transactions][][location][region]=" \
--form "plaid_data[transactions][][location][address]=" \
--form "plaid_data[transactions][][location][country]=" \
--form "plaid_data[transactions][][location][postal_code]=" \
--form "plaid_data[transactions][][location][store_number]=" \
--form "plaid_data[transactions][][account_id]=EQgePW78jXTZ9x7EmkmVhR9DpZl6lkuX1zQ1W" \
--form "plaid_data[transactions][][category_id]=22001000" \
--form "plaid_data[transactions][][payment_meta][payee]=" \
--form "plaid_data[transactions][][payment_meta][payer]=" \
--form "plaid_data[transactions][][payment_meta][ppd_id]=" \
--form "plaid_data[transactions][][payment_meta][reason]=" \
--form "plaid_data[transactions][][payment_meta][by_order_of]=" \
--form "plaid_data[transactions][][payment_meta][payment_method]=" \
--form "plaid_data[transactions][][payment_meta][reference_number]=" \
--form "plaid_data[transactions][][payment_meta][payment_processor]=" \
--form "plaid_data[transactions][][account_owner]=" \
--form "plaid_data[transactions][][merchant_name]=United Airlines" \
--form "plaid_data[transactions][][transaction_id]=pBdwjmgq14H9jVg1WEWDiMdRjRBAKzILWegNa" \
--form "plaid_data[transactions][][authorized_date]=" \
--form "plaid_data[transactions][][payment_channel]=in store" \
--form "plaid_data[transactions][][transaction_code]=" \
--form "plaid_data[transactions][][transaction_type]=special" \
--form "plaid_data[transactions][][iso_currency_code]=USD" \
--form "plaid_data[transactions][][pending_transaction_id]=" \
--form "plaid_data[transactions][][unofficial_currency_code]=" \
--form "plaid_data[total_transactions]=16" \
--form "bank_statements[][type]=bank_statements_4" \
--form "bank_statements[][file]=@/tmp/php4aTCsr" The above command returns JSON structured like this:
{
"enrichment_started": true
}
Received response:
Request failed with error:
Create Document Verification
Requires Authentication
Verify a document against a 3rd party service. Currently supports Persona's government ID verification.
The service ("persona") and verification at that service ("government-id")
must be specified, along with all attributes needed to satisfy the verification.
For Persona's Government ID verification the following additional request parameters are required:
typefront_photoback_photo(this is optional, but helps with verification)
POST
api/v1/applications/business_credit/{application}/verify-documents
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v1/applications/business_credit/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/verify-documents" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: multipart/form-data" \
--header "Accept: application/json" \
--form "service=persona" \
--form "personal_information_id=17" \
--form "verification=government-id" \
--form "type=dl" \
--form "front_photo=@/tmp/phpAw4yZs" \
--form "back_photo=@/tmp/php2XZMeu" The above command returns JSON structured like this:
{
"data": {
"id": 4,
"service": "persona",
"verification": "government-id",
"created_at": "2021-07-05T07:51:10.000000Z",
"updated_at": "2021-07-05T07:51:21.000000Z",
"submitted_at": "2021-07-05 07:51:10",
"passed_at": null,
"failed_at": "2021-07-05T07:51:21.000000Z",
"has_passed": false,
"has_failed": true
}
}
Received response:
Request failed with error:
Pull Application Commercial Data
Requires Authentication
This endpoint, allows registered users, to pull commercial data on any given applicant.
GET
api/v1/deal/{application}/commercial
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v1/deal/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/commercial?raw_cfa=" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": {
"uuid": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"business_legal_name": "Bigs Rig And Auto",
"dates": {
"middesk": "2021-12-20 21:23:39",
"experian_bankruptcies": "2021-12-20 21:23:40",
"experian_judgments": "2021-12-20 21:23:40",
"experian_liens": "2021-12-20 21:23:40",
"experian_uccs": "2021-12-20 21:23:41"
},
"statuses": {
"middesk": "Success",
"sentilink": "Not yet started",
"sentilink_completion": "Not yet started",
"dnb": {
"cer_l1": "Not yet started",
"ci_l2": "Not yet started",
"pi_l3": "Not yet started",
"fi_l2": "Not yet started",
"fi_l3": "Not yet started",
"fi_l4": "Not yet started",
"dti_l1": "Not yet started"
},
"experian": {
"intelliscore": "Not yet started",
"uccs": "Success",
"bankruptcies": "Success",
"judgments": "Success",
"liens": "Success",
"fsr": "Not yet started",
"commercial_collections": "Not yet started",
"credit_statuses": "Not yet started",
"legal_collections": "Not yet started",
"trades": "Not yet started",
"corporate_registrations": "Not yet started",
"contacts": "Not yet started",
"facts": "Not yet started",
"fraud_shields": "Not yet started"
},
"ocrolus_cfa": "Not yet started",
"ekata": "Not yet started",
"heron": "Not yet started",
"scorely": "Not yet started",
"clear": "Not yet started"
},
"commercial_data": {
"middesk": {
"id": "483aedd0-6772-4e01-8797-2ac8f27231b8",
"tin": {
"tin": "******12",
"name": "Bigs Rig And Auto",
"error": null,
"unknown": true,
"mismatch": false,
"verified": false,
"updated_at": "2021-12-20T21:23:46.849Z",
"business_id": "483aedd0-6772-4e01-8797-2ac8f27231b8"
},
"name": "Bigs Rig And Auto",
"tags": [],
"names": [
{
"id": "f7776129-74cb-4473-ad0c-b1eaa83c4094",
"name": "Bigs Rig And Auto",
"object": "name",
"sources": [],
"submitted": true,
"business_id": "483aedd0-6772-4e01-8797-2ac8f27231b8"
},
{
"id": "934629a7-7f4d-4fb6-a835-e41325c866c1",
"name": "BIGS RIG AND AUTO INC",
"object": "name",
"sources": [
{
"id": "6a6e2b2e-ffec-4f08-a308-c5d28df3124a",
"type": "registration",
"metadata": {
"state": "NY",
"status": "active",
"file_number": "5505135",
"jurisdiction": "DOMESTIC"
}
}
],
"submitted": false,
"business_id": "483aedd0-6772-4e01-8797-2ac8f27231b8"
}
],
"object": "business",
"orders": [
{
"id": "2d89894a-0122-45bc-863b-b706b7007d10",
"object": "order",
"status": "completed",
"product": "tin",
"created_at": "2021-12-20T21:23:40.206Z",
"updated_at": "2021-12-20T21:23:46.894Z",
"completed_at": "2021-12-20T21:23:46.894Z"
},
{
"id": "b394300c-26d6-4dfb-814e-c2980f24650f",
"object": "order",
"status": "completed",
"product": "identity",
"created_at": "2021-12-20T21:23:40.183Z",
"updated_at": "2021-12-20T21:23:47.351Z",
"completed_at": "2021-12-20T21:23:47.351Z"
}
],
"people": [
{
"name": "Brian Goodson",
"object": "person",
"titles": [
{
"title": "OFFICER",
"object": "person_title"
},
{
"title": "REGISTERED AGENT",
"object": "person_title"
}
],
"sources": [
{
"id": "6a6e2b2e-ffec-4f08-a308-c5d28df3124a",
"type": "registration",
"metadata": {
"state": "NY",
"status": "active",
"file_number": "5505135",
"jurisdiction": "DOMESTIC"
}
}
],
"submitted": true,
"business_id": "483aedd0-6772-4e01-8797-2ac8f27231b8"
}
],
"review": {
"id": "5d5a7794-aeb0-47b6-bb1f-1df346ce0327",
"tasks": [
{
"key": "tin",
"name": "tin",
"label": "TIN Match",
"status": "failure",
"message": "The IRS does not have a record for the submitted TIN and Business Name combination",
"category": "tin",
"sub_label": "Not Found"
},
{
"key": "name",
"name": "name",
"label": "Business Name",
"status": "warning",
"message": "Similar match identified to the submitted Business Name",
"category": "name",
"sub_label": "Similar Match"
},
{
"key": "address_property_type",
"name": "address",
"label": "Office Address",
"status": "warning",
"message": "Submitted Office Address is a Residential property",
"category": "address",
"sub_label": "Residential"
},
{
"key": "address_verification",
"name": "address",
"label": "Office Address",
"status": "success",
"message": "Match identified to the submitted Office Address",
"category": "address",
"sub_label": "Verified"
},
{
"key": "address_deliverability",
"name": "address",
"label": "Office Address",
"status": "success",
"message": "The USPS is able to deliver mail to the submitted Office Address",
"category": "address",
"sub_label": "Deliverable"
},
{
"key": "person_verification",
"name": "people",
"label": "People",
"status": "success",
"message": "Match identified to the submitted person",
"category": "people",
"sub_label": "Verified"
},
{
"key": "sos_match",
"name": "sos",
"label": "SOS Filings",
"status": "success",
"message": "The business is Active in the state of the submitted Office Address",
"category": "sos",
"sub_label": "Submitted Active"
},
{
"key": "sos_active",
"name": "sos",
"label": "SOS Filings",
"status": "success",
"message": "1 of 1 filings are Active",
"category": "sos",
"sub_label": "Active"
},
{
"key": "sos_domestic",
"name": "sos",
"label": "SOS Filings",
"status": "success",
"message": "Active domestic filing found",
"category": "sos",
"sub_label": "Domestic Active"
},
{
"key": "watchlist",
"name": "watchlist",
"label": "Watchlist",
"status": "success",
"message": "No Watchlist hits were identified",
"category": "watchlist",
"sub_label": "No Hits"
},
{
"key": "bankruptcies",
"name": "bankruptcies",
"label": "Bankruptcies",
"status": "success",
"message": "The business has no bankruptcy filings",
"category": "bankruptcies",
"sub_label": "None Found"
}
],
"object": "review",
"assignee": {
"id": "9454917f-2a4c-429d-ac79-85c93afeb67e",
"name": "Gordon Bowman",
"email": "gordon@lendflow.io",
"roles": [
"admin",
"member"
],
"object": "user",
"image_url": "https://lh3.googleusercontent.com/a-/AOh14GjiZAK0ACZCpay0xYFGeM2aaiPcfCn63QVEEfr0=s96-c",
"last_login_at": "2021-10-16T01:47:44.134Z"
},
"created_at": "2021-12-20T21:23:46.980Z",
"updated_at": "2021-12-20T21:23:46.980Z",
"completed_at": null
},
"status": "in_review",
"website": null,
"profiles": [],
"addresses": [
{
"city": "Farmingdale",
"cmra": null,
"state": "NY",
"labels": [],
"object": "address",
"sources": [
{
"id": "6a6e2b2e-ffec-4f08-a308-c5d28df3124a",
"type": "registration",
"metadata": {
"state": "NY",
"status": "active",
"file_number": "5505135",
"jurisdiction": "DOMESTIC"
}
}
],
"latitude": 40.72255904633196,
"longitude": -73.45459113165585,
"submitted": true,
"created_at": "2021-12-20T21:23:40.165Z",
"updated_at": "2021-12-20T21:23:41.042Z",
"business_id": "483aedd0-6772-4e01-8797-2ac8f27231b8",
"deliverable": true,
"postal_code": "11735-4534",
"full_address": "119 Michel Ave, Farmingdale, NY 11735-4534",
"address_line1": "119 Michel Ave",
"address_line2": null,
"property_type": "RESIDENTIAL",
"registered_agent_name": null,
"street_view_available": true,
"deliverability_analysis": null
}
],
"formation": {
"created_at": "2021-12-20T21:23:40.870Z",
"updated_at": "2021-12-20T21:23:40.870Z",
"entity_type": "CORPORATION",
"formation_date": "2019-03-04",
"formation_state": "NY"
},
"requester": {
"id": "b8ada7c1-51c8-49df-8f85-fb6f5e2fdaed",
"name": "Lendflow",
"type": "account",
"requested_at": "2021-12-20T21:23:40.183Z"
},
"watchlist": {
"id": "a96feebd-002f-45b2-920d-1a88b5406fd8",
"lists": [
{
"abbr": "DPL",
"title": "Denied Persons List",
"agency": "Bureau of Industry and Security",
"object": "watchlist_source",
"results": [],
"agency_abbr": "BIS",
"organization": "U.S. Department of Commerce"
},
{
"abbr": "DTC",
"title": "AECA/ITAR Debarred",
"agency": "Directorate of Defense Trade Controls",
"object": "watchlist_source",
"results": [],
"agency_abbr": "DDTC",
"organization": "U.S. Department of State"
},
{
"abbr": "EL",
"title": "Entity List",
"agency": "Bureau of Industry and Security",
"object": "watchlist_source",
"results": [],
"agency_abbr": "BIS",
"organization": "U.S. Department of Commerce"
},
{
"abbr": "SDN",
"title": "Specially Designated Nationals",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
},
{
"abbr": "FSE",
"title": "Foreign Sanctions Evaders",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
},
{
"abbr": "ISN",
"title": "Nonproliferation Sanctions",
"agency": "Bureau of International Security and Non-Proliferation",
"object": "watchlist_source",
"results": [],
"agency_abbr": "ISN",
"organization": "U.S. Department of State"
},
{
"abbr": "PLC",
"title": "Palestinian Legislative Council",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
},
{
"abbr": "SSI",
"title": "Sectoral Sanctions Identifications",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
},
{
"abbr": "UVL",
"title": "Unverified List",
"agency": "Bureau of Industry and Security",
"object": "watchlist_source",
"results": [],
"agency_abbr": "BIS",
"organization": "U.S. Department of Commerce"
},
{
"abbr": "CAP",
"title": "Capta List",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
},
{
"abbr": "MEU",
"title": "Military End User",
"agency": "Bureau of Industry and Security",
"object": "watchlist_source",
"results": [],
"agency_abbr": "BIS",
"organization": "U.S. Department of Commerce"
},
{
"abbr": "NS-MBS",
"title": "Non-SDN Menu-Based Sanctions",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
},
{
"abbr": "NS-ISA",
"title": "Non-SDN Iranian Sanctions",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
},
{
"abbr": "NS-CCMC",
"title": "Non-SDN Communist Military Companies Sanctions",
"agency": "Office of Foreign Assets Control",
"object": "watchlist_source",
"results": [],
"agency_abbr": "OFAC",
"organization": "U.S. Department of Treasury"
}
],
"object": "watchlist",
"people": [
{
"name": "Brian Goodson",
"object": "person",
"titles": [
{
"title": "OFFICER",
"object": "person_title"
},
{
"title": "REGISTERED AGENT",
"object": "person_title"
}
],
"sources": [
{
"id": "6a6e2b2e-ffec-4f08-a308-c5d28df3124a",
"type": "registration",
"metadata": {
"state": "NY",
"status": "active",
"file_number": "5505135",
"jurisdiction": "DOMESTIC"
}
}
],
"submitted": true,
"business_id": "483aedd0-6772-4e01-8797-2ac8f27231b8"
}
],
"agencies": [
{
"org": "U.S. Department of Treasury",
"abbr": "OFAC",
"name": "Office of Foreign Assets Control"
},
{
"org": "U.S. Department of Commerce",
"abbr": "BIS",
"name": "Bureau of Industry and Security"
},
{
"org": "U.S. Department of State",
"abbr": "DDTC",
"name": "Directorate of Defense Trade Controls"
},
{
"org": "U.S. Department of State",
"abbr": "ISN",
"name": "Bureau of International Security and Non-Proliferation"
}
],
"hit_count": 0
},
"created_at": "2021-12-20T21:23:40.113Z",
"updated_at": "2021-12-20T21:23:47.368Z",
"assignee_id": "9454917f-2a4c-429d-ac79-85c93afeb67e",
"external_id": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"bankruptcies": [],
"phone_numbers": [
{
"object": "phone_number",
"phone_number": "6312765399"
}
],
"registrations": [
{
"id": "6a6e2b2e-ffec-4f08-a308-c5d28df3124a",
"name": "BIGS RIG AND AUTO INC",
"state": "NY",
"object": "registration",
"source": "https://apps.dos.ny.gov/publicInquiry/",
"status": "active",
"officers": [
{
"name": "BRIAN GOODSON",
"roles": [
"Officer"
]
}
],
"addresses": [
"119 MICHEL AVE, FARMINGDALE, NEW YORK 11735"
],
"business_id": "483aedd0-6772-4e01-8797-2ac8f27231b8",
"entity_type": "CORPORATION",
"file_number": "5505135",
"jurisdiction": "DOMESTIC",
"registered_agent": {
"name": "BRIAN GOODSON"
},
"registration_date": "2019-03-04"
}
],
"business_batch_id": null,
"industry_classification": null
},
"sentilink": null,
"sentilink_completion": null,
"experian": {
"intelliscore": null,
"uccs": {
"businessHeader": {
"bin": "462010985",
"phone": "+16312765399",
"taxId": null,
"address": {
"zip": "11735",
"city": "FARMINGDALE",
"state": "NY",
"street": "119 MICHEL AVE",
"zipExtension": "4534"
},
"dbaNames": null,
"websiteUrl": null,
"businessName": "BIGS RIG & AUTO",
"legalBusinessName": null,
"customerDisputeIndicator": false
},
"uccFilingsDetail": [],
"uccFilingsSummary": {
"uccFilingsCount": 0,
"uccFilingsTrends": [
{
"date": null,
"count": 0,
"derogatoryCount": 0,
"continuationsCount": 0,
"amendedAndAssignedCount": 0,
"releasesAndTerminationsCount": 0
},
{
"date": null,
"count": 0,
"derogatoryCount": 0,
"continuationsCount": 0,
"amendedAndAssignedCount": 0,
"releasesAndTerminationsCount": 0
},
{
"date": null,
"count": 0,
"derogatoryCount": 0,
"continuationsCount": 0,
"amendedAndAssignedCount": 0,
"releasesAndTerminationsCount": 0
},
{
"date": null,
"count": 0,
"derogatoryCount": 0,
"continuationsCount": 0,
"amendedAndAssignedCount": 0,
"releasesAndTerminationsCount": 0
},
{
"date": null,
"count": 0,
"derogatoryCount": 0,
"continuationsCount": 0,
"amendedAndAssignedCount": 0,
"releasesAndTerminationsCount": 0
},
{
"date": null,
"count": 0,
"derogatoryCount": 0,
"continuationsCount": 0,
"amendedAndAssignedCount": 0,
"releasesAndTerminationsCount": 0
}
]
},
"uccFilingIndicator": false
},
"bankruptcies": {
"businessHeader": {
"bin": "462010985",
"phone": "+16312765399",
"taxId": null,
"address": {
"zip": "11735",
"city": "FARMINGDALE",
"state": "NY",
"street": "119 MICHEL AVE",
"zipExtension": "4534"
},
"dbaNames": null,
"websiteUrl": null,
"businessName": "BIGS RIG & AUTO",
"legalBusinessName": null,
"customerDisputeIndicator": false
},
"bankruptcyDetail": [],
"bankruptcySummary": {
"bankruptcyCount": 0,
"bankruptcyIndicator": false
},
"bankruptcyIndicator": false
},
"judgments": {
"businessHeader": {
"bin": "462010985",
"phone": "+16312765399",
"taxId": null,
"address": {
"zip": "11735",
"city": "FARMINGDALE",
"state": "NY",
"street": "119 MICHEL AVE",
"zipExtension": "4534"
},
"dbaNames": null,
"websiteUrl": null,
"businessName": "BIGS RIG & AUTO",
"legalBusinessName": null,
"customerDisputeIndicator": false
},
"judgmentDetail": [],
"judgmentSummary": {
"judgmentCount": 0,
"judgmentBalance": 0
},
"judgmentIndicator": false
},
"liens": {
"lienDetail": [],
"lienSummary": {
"lienCount": 0,
"lienBalance": 0
},
"lienIndicator": false,
"businessHeader": {
"bin": "462010985",
"phone": "+16312765399",
"taxId": null,
"address": {
"zip": "11735",
"city": "FARMINGDALE",
"state": "NY",
"street": "119 MICHEL AVE",
"zipExtension": "4534"
},
"dbaNames": null,
"websiteUrl": null,
"businessName": "BIGS RIG & AUTO",
"legalBusinessName": null,
"customerDisputeIndicator": false
}
},
"fsr": null,
"commercial_collections": null,
"credit_statuses": null,
"legal_collections": null,
"trades": null,
"corporate_registrations": null,
"contacts": null,
"facts": null,
"fraud_shields": null
},
"dnb": {
"assessment": null,
"duns": null,
"primary_name": null,
"number_of_employees": null,
"business_trading": null,
"cer_l1": null,
"fi_l2": null,
"fi_l3": null,
"dti_l1": null
},
"scorely": null,
"ekata": null,
"heron": {
"pnl": null,
"pnl_transactions": null
},
"clear": null
}
}
}
Received response:
Request failed with error:
6. Advanced Integrations
Generate Plaid and Docusign links
Requires Authentication
This endpoint generates the Docusign link and the Plaid link_code.
GET
api/v2/applications/{application}/links
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/links" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": {
"plaid_link_token": "link-sandbox-cf19d9f3-20af-4fd8-bc52-0fff9214bfa2",
"docusign_link": "https://demo.docusign.net/Signing/MTRedeem/v1/a9e40afa-808c-483f-9ad8-a74a80bbe303?slt=eyJ0eXAiOiJNVCIsImFsZyI6IlJTMjU2Iiwia2lkIjoiNjgxODVmZjEtNGU1MS00Y2U5LWFmMWMtNjg5ODEyMjAzMzE3In0.AQUAAAABAAMABwAAfKOT_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.TOiEEZjMJ9mDVCVaGDcTdGb979uXosaZ5X2O3D2e6W2EuEzOH29m55m-3T2dhquGzNAZAELShnQ8ynAsn7B4Xl8hv-0UpbQwLNTrEvgCcQVXc6WrtBDU1N6yXoX0Yf1nKbszgGCVbAhbagQ337zp95PXevFoF4Qn9_4z2w-VneBhgHwQ6N7XgGWEZNKLW3-4IR6dyhodOUTdKThIlcqUSpmaTS6Vco7yYfQidWgcCkjdYjfsxRS_r0O4Kv709ptpEPO_uCoDNaoyBNqqOLMMR00ZBo2lXLzv08d6ySY79O-NJOy0t8S_MN7Bf24ZRy1ueLNEwaMlYeo22vF7u5K4uw"
}
}
Received response:
Request failed with error:
Update Lendflow Plaid records
Requires Authentication
This endpoint informs Lendflow that the Plaid information has been linked and is ready to process.
POST
api/v2/applications/{application}/plaid
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/plaid" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"plaid_token\": \"access-sandbox-de3ce8ef-33f8-452c-a685-8671031fc0f6\"
}"
The above command returns JSON structured like this:
{
"data": {
"success": true
}
}
Received response:
Request failed with error:
Finish application processing
Requires Authentication
This endpoint informs Lendflow that the documents are signed and Plaid is connected. This will finalize the application process.
POST
api/v2/applications/{application}/finish
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/finish" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"type\": \"6\",
\"requested_products\": [
\"dnb_fi_l3\",
\"experian_fsr\"
],
\"notify\": 17
}"
The above command returns JSON structured like this:
{
"data": {
"success": true
}
}
The above command returns JSON structured like this:
{
"message": "Document is not signed",
"errors": {
"application": [
"Document is not signed"
]
}
}
Received response:
Request failed with error:
7. NextGen
NextGen API endpoints
Save prequalification record
Requires Authentication
POST
api/v2/prequalification
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/prequalification" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"time_in_business\": \"time_in_business_1\",
\"monthly_avg_revenue\": \"monthly_avg_revenue_1\",
\"credit_score\": \"credit_score_1\",
\"requested_amount\": 11613.31890586
}"
The above command returns JSON structured like this:
{
"data": {
"prequalification_amount_min": 60000,
"prequalification_amount_max": 140000,
"prequalification_id": "0000af4e-1150-4097-97ec-1329d78177ff",
"time_in_business": "time_in_business_1",
"monthly_avg_revenue": "monthly_avg_revenue_8",
"credit_score": "credit_score_4",
"requested_amount": 150000,
"currency": "USD"
}
}
Received response:
Request failed with error:
Create Application From Pre-Qualification
Requires Authentication
POST
api/v2/application
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/application" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"first_name\": \"John\",
\"last_name\": \"Doe\",
\"email_address\": \"qkunze@example.com\",
\"telephone\": \"212555555\",
\"business_legal_name\": \"Example inc.\",
\"prequalification_id\": \"66529e01-d113-3473-8d6f-9e11e09332ea\",
\"client_tracking_token\": \"vmqeopfuudtdsufvyvddqamniihfqcoynlazghdtq\",
\"tracking_tokens\": [
null
]
}"
The above command returns JSON structured like this:
{
"data": {
"id": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"client_tracking_token": null,
"status": 1,
"sub_status": null,
"closing_status_id": null,
"progress": 85,
"declined_reason": null,
"declined_prev_status": null,
"declined_sub_reason": null,
"declined_at": null,
"use_of_fund_id": null,
"is_business_credit": true,
"is_equipment_rental": false,
"is_data_capture": false,
"finished_type": 6,
"finished_at": "2021-12-20T21:19:00.000000Z",
"amount_needed": null,
"referrer_url": null,
"source": 1,
"underwriter_review_needed": false,
"naics_code": null,
"industry": null,
"created_at": "2021-12-20T21:19:00.000000Z",
"offers_declined_feedback": null,
"offers_declined_at": null,
"offer_count": 0,
"stage": null,
"is_client_funded": false,
"has_insurance": null,
"deal_mode": 1,
"workflow": 2,
"tracking_tokens": []
}
}
Received response:
Request failed with error:
Create Application With Plaid
Requires Authentication
POST
api/v2/application/plaid
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/application/plaid" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"first_name\": \"John\",
\"last_name\": \"Doe\",
\"email_address\": \"qkunze@example.com\",
\"telephone\": \"212555555\",
\"business_legal_name\": \"Example inc.\",
\"client_tracking_token\": \"vmqeopfuudtdsufvyvddqamniihfqcoynlazghdtq\",
\"tracking_tokens\": [
null
],
\"plaid_data\": [
\"consequatur\"
]
}"
The above command returns JSON structured like this:
{
"data": {
"id": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"client_tracking_token": null,
"status": 1,
"sub_status": null,
"closing_status_id": null,
"progress": 85,
"declined_reason": null,
"declined_prev_status": null,
"declined_sub_reason": null,
"declined_at": null,
"use_of_fund_id": null,
"is_business_credit": true,
"is_equipment_rental": false,
"is_data_capture": false,
"finished_type": 6,
"finished_at": "2021-12-20T21:19:00.000000Z",
"amount_needed": null,
"referrer_url": null,
"source": 1,
"underwriter_review_needed": false,
"naics_code": null,
"industry": null,
"created_at": "2021-12-20T21:19:00.000000Z",
"offers_declined_feedback": null,
"offers_declined_at": null,
"offer_count": 0,
"stage": null,
"is_client_funded": false,
"has_insurance": null,
"deal_mode": 1,
"workflow": 2,
"tracking_tokens": []
}
}
Received response:
Request failed with error:
Retrieve single Application details
Requires Authentication
This endpoint will return an application's details, matching by Lendflow's internal application UUID or the first application matching a client's tracking token.
GET
api/v2/applications/{id}
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": {
"id": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"client_tracking_token": null,
"status": 1,
"sub_status": null,
"closing_status_id": null,
"progress": 85,
"declined_reason": null,
"declined_prev_status": null,
"declined_sub_reason": null,
"declined_at": null,
"use_of_fund_id": null,
"is_business_credit": true,
"is_equipment_rental": false,
"is_data_capture": false,
"finished_type": 6,
"finished_at": "2021-12-20T21:19:00.000000Z",
"amount_needed": null,
"referrer_url": null,
"source": 1,
"underwriter_review_needed": false,
"naics_code": null,
"industry": null,
"created_at": "2021-12-20T21:19:00.000000Z",
"offers_declined_feedback": null,
"offers_declined_at": null,
"offer_count": 0,
"stage": null,
"is_client_funded": false,
"has_insurance": null,
"deal_mode": 1,
"workflow": 2,
"tracking_tokens": []
}
}
Received response:
Request failed with error:
Retrieve Applications
Requires Authentication
This endpoint, allows registered users, to retrieve all applications that have been submitted through the integration widget and/or api.
GET
api/v2/applications
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v2/applications" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": [
{
"id": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"client_tracking_token": null,
"status": 1,
"sub_status": null,
"closing_status_id": null,
"progress": 85,
"declined_reason": null,
"declined_prev_status": null,
"declined_sub_reason": null,
"declined_at": null,
"use_of_fund_id": null,
"is_business_credit": true,
"is_equipment_rental": false,
"is_data_capture": false,
"finished_type": 6,
"finished_at": "2021-12-20T21:19:00.000000Z",
"amount_needed": null,
"referrer_url": null,
"source": 1,
"underwriter_review_needed": false,
"naics_code": null,
"industry": null,
"created_at": "2021-12-20T21:19:00.000000Z",
"offers_declined_feedback": null,
"offers_declined_at": null,
"offer_count": 0,
"stage": null,
"is_client_funded": false,
"has_insurance": null,
"deal_mode": 1,
"workflow": 2,
"tracking_tokens": []
},
{
"id": "0001d277-e83a-4a6a-8cf3-c4ff0a05e25b",
"client_tracking_token": null,
"status": 1,
"sub_status": null,
"closing_status_id": null,
"progress": 85,
"declined_reason": null,
"declined_prev_status": null,
"declined_sub_reason": null,
"declined_at": null,
"use_of_fund_id": null,
"is_business_credit": true,
"is_equipment_rental": false,
"is_data_capture": false,
"finished_type": 6,
"finished_at": "2021-12-20T21:19:00.000000Z",
"amount_needed": null,
"referrer_url": null,
"source": 1,
"underwriter_review_needed": false,
"naics_code": null,
"industry": null,
"created_at": "2021-12-20T21:19:00.000000Z",
"offers_declined_feedback": null,
"offers_declined_at": null,
"offer_count": 0,
"stage": null,
"is_client_funded": false,
"has_insurance": null,
"deal_mode": 1,
"workflow": 2,
"tracking_tokens": []
}
],
"links": {
"first": "/?page=1",
"last": "/?page=1",
"prev": null,
"next": null
},
"meta": {
"current_page": 1,
"from": 1,
"last_page": 1,
"links": [
{
"url": null,
"label": "« Previous",
"active": false
},
{
"url": "/?page=1",
"label": "1",
"active": true
},
{
"url": null,
"label": "Next »",
"active": false
}
],
"path": "/",
"per_page": "15",
"to": 2,
"total": 2
}
}
Received response:
Request failed with error:
Add Application Metadata
Requires Authentication
Further enrich an application by passing valid JSON to be stored as metadata.
Multiple requests can be made to this endpoint to attach multiple pieces of metadata to the same application.
POST
api/v2/applications/{application}/metadata
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/metadata" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"metadata\": {
\"key\": \"value\"
},
\"description\": \"Example text\"
}"
The above command returns JSON structured like this:
{
"data": {
"id": 33,
"description": "A small metadata sample",
"metadata": {
"sample": "value"
},
"created_at": "2021-07-08T16:28:07.000000Z",
"updated_at": "2021-07-08T16:28:07.000000Z"
}
}
The above command returns JSON structured like this:
{
"data": {
"id": 2,
"description": "w9",
"metadata": null,
"created_at": "2021-04-29T14:07:30.000000Z",
"updated_at": "2021-04-29T14:07:30.000000Z"
}
}
Received response:
Request failed with error:
Save Personal Address
Requires Authentication
PUT
api/v2/applications/{application}/personal_address
Use the following command
curl --request PUT \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/personal_address" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"is_home_business\": false,
\"is_sole_owner\": false,
\"job_title\": \"CEO\",
\"owner_percentage\": 81,
\"business_start_date\": \"2022-01-27\",
\"personal_address\": \"24th Street\",
\"personal_address_2\": \"123\",
\"personal_city\": \"New York\",
\"personal_state\": \"NY\",
\"personal_country\": \"US\",
\"personal_postal_code\": \"10001\",
\"citizenship\": 4
}"
The above command returns JSON structured like this:
{
"data": {
"id": "317fdf56-cc6d-4856-bde5-0bcb2e79b41e",
"business": {
"business_legal_name": "Example Company",
"doing_business_as": "Sample",
"has_website": null,
"website_address": null,
"is_ecommerce": null,
"tax_exempt": null,
"preferred_contact_method": null,
"actual_monthly_revenue": null,
"estimated_annual_revenue": null,
"finished_type": null,
"business_start_date": "2020-02-01",
"sole_owner": true,
"ownership_percentage": null,
"industry_type_id": null,
"number_of_employees_id": null,
"business_entity_type_id": 1,
"actual_credit_score": null,
"credit_limit": null,
"credit_utilization": null,
"inquiries": null
},
"personal_information": {
"id": 23,
"first_name": "Test",
"last_name": "Application",
"telephone": "2035258209",
"citizenship": null,
"email_address": "example@email.com",
"date_of_birth": "1958-03-03",
"job_title": null,
"signature_status": null,
"ownership_percentage": "100.00"
},
"naics_code": null,
"industry": null,
"business_notes": null,
"status": "Started"
}
}
Received response:
Request failed with error:
Application Offers
Requires Authentication
A paginated list of offers for a single application. The example responses detail the set of attributes available for offers tied to each supported product type. The actual response can contain offers tied to a mix of product types (See 'Full example').
GET
api/v2/applications/{application}/offers
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/offers" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": [
{
"id": "3ef9a4fe-283e-4b1e-901c-6f19d0c95bb6",
"application_id": "3d0170c6-9ce3-46b0-8ece-06f00c7a56d1",
"offer_amount": 50000,
"payback_amount": 65000,
"payment_amount": 1400,
"number_of_payments": 24,
"max_sell_interest_rate": 1.1,
"min_buy_interest_rate": 1.5,
"payment_frequency": 14,
"term_length": 48,
"product": "Term loan",
"start_date": "2021-06-04",
"end_date": "2021-06-11"
}
]
}
The above command returns JSON structured like this:
{
"data": [
{
"id": "5e1afe6e-1480-41dc-a51d-1bb145654f1d",
"application_id": "e8c214b1-c1cf-49bc-90a0-9f38be2084bc",
"max_facility_amount": 100000,
"advance_rate": 75,
"30_day_discount_rate": 0.25,
"10_day_discount_rate_after_initial_30_days": 0.28,
"expense_deposit": 2500,
"origination_fee": 1500,
"renewal": 425,
"term": 48,
"product": "ARLOC",
"start_date": "2021-06-04",
"end_date": "2021-06-11"
}
]
}
The above command returns JSON structured like this:
{
"data": [
{
"id": "9a8587c8-5e0d-4218-95ec-86b35aa44079",
"application_id": "1095003b-837a-491e-a8ce-dababc799154",
"offer_amount": 50000,
"payback_amount": 65000,
"payment_amount": 1400,
"number_of_payments": 24,
"max_sell_factor_rate": 1.1,
"min_buy_factor_rate": 1.5,
"payment_frequency": 14,
"term_length": 48,
"product": "Receivables Purchase",
"start_date": "2021-06-04",
"end_date": "2021-06-11"
}
]
}
The above command returns JSON structured like this:
{
"data": [
{
"id": "58776328-5d25-43e0-b4e7-91da4c05d1cd",
"application_id": "5cdbd684-627e-43b2-a12e-a37840e59ca5",
"max_line_of_credit": 250000,
"max_term": 48,
"payment_frequency": 14,
"monthly_interest": 2.8,
"first_draw_commission": 1.2,
"subsequent_draw_commission": 1.1,
"product": "Line of credit",
"start_date": "2021-06-04",
"end_date": "2021-06-11"
}
]
}
The above command returns JSON structured like this:
{
"data": [
{
"id": "65d79d9b-c614-46fd-884d-be9128d7c4d5",
"application_id": "d9effe44-1bc0-4b97-9234-9d8a506e71a2",
"max_facility_amount": 100000,
"advance_rate": 75,
"30_day_discount_rate": 0.25,
"10_day_discount_rate_after_initial_30_days": 0.28,
"expense_deposit": 2500,
"origination_fee": 1500,
"renewal": 425,
"term": 48,
"product": "ARLOC",
"start_date": "2021-06-04",
"end_date": "2021-06-11"
},
{
"id": "9a8587c8-5e0d-4218-95ec-86b35aa44079",
"application_id": "1095003b-837a-491e-a8ce-dababc799154",
"offer_amount": 50000,
"payback_amount": 65000,
"payment_amount": 1400,
"number_of_payments": 24,
"max_sell_factor_rate": 1.1,
"min_buy_factor_rate": 1.5,
"payment_frequency": 14,
"term_length": 48,
"product": "Receivables Purchase",
"start_date": "2021-06-04",
"end_date": "2021-06-11"
},
{
"id": "58776328-5d25-43e0-b4e7-91da4c05d1cd",
"application_id": "5cdbd684-627e-43b2-a12e-a37840e59ca5",
"max_line_of_credit": 250000,
"max_term": 48,
"payment_frequency": 14,
"monthly_interest": 2.8,
"first_draw_commission": 1.2,
"subsequent_draw_commission": 1.1,
"product": "Line of credit",
"start_date": "2021-06-04",
"end_date": "2021-06-11"
}
]
}
Received response:
Request failed with error:
Upload Application Files
Requires Authentication
POST
api/v2/applications/{application}/files
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/files" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: multipart/form-data" \
--header "Accept: application/json" \
--form "file_type=signed_application_doc" \
--form "offer_stip_id=17" \
--form "application_stip_id=17" \
--form "owner_id=17" \
--form "product_id=4" \
--form "file=@/tmp/phpRpti6t" The above command returns JSON structured like this:
{
"data": {
"id": 2,
"mime_type": "application/pdf",
"original_name": "form_w9.pdf",
"file_url": "",
"file_type": "w9",
"file_size": 529590,
"created_at": "2021-04-29T14:07:30.000000Z",
"updated_at": "2021-04-29T14:07:30.000000Z",
"product_id": null
}
}
Received response:
Request failed with error:
Decline Current Offers
Requires Authentication
An applicant can decline all current offers for the application. This will send an email including the provided feedback to the application's funding advisor and underwriter so applicant can get help finding the right lending solution.
POST
api/v2/applications/{application}/decline-offers
Use the following command
curl --request POST \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/decline-offers" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"feedback\": \"Here is some example feedback.\"
}"
The above command returns JSON structured like this:
[Empty response]
The above command returns JSON structured like this:
{
"message": "The application has no offers"
}
Received response:
Request failed with error:
Save Business Address
Requires Authentication
PUT
api/v2/applications/{application}/business_address
Use the following command
curl --request PUT \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/business_address" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"business_address\": \"24th Street\",
\"business_address_2\": \"123\",
\"business_city\": \"vmqeopfuudtdsufvyvddqamniihfqcoynlazghdtq\",
\"business_state\": \"NY\",
\"business_country\": \"US\",
\"business_postal_code\": \"10001\",
\"business_entity\": \"business_entity_type_1\"
}"
The above command returns JSON structured like this:
{
"data": {
"id": "317fdf56-cc6d-4856-bde5-0bcb2e79b41e",
"business": {
"business_legal_name": "Example Company",
"doing_business_as": "Sample",
"has_website": null,
"website_address": null,
"is_ecommerce": null,
"tax_exempt": null,
"preferred_contact_method": null,
"actual_monthly_revenue": null,
"estimated_annual_revenue": null,
"finished_type": null,
"business_start_date": "2020-02-01",
"sole_owner": true,
"ownership_percentage": null,
"industry_type_id": null,
"number_of_employees_id": null,
"business_entity_type_id": 1,
"actual_credit_score": null,
"credit_limit": null,
"credit_utilization": null,
"inquiries": null
},
"personal_information": {
"id": 23,
"first_name": "Test",
"last_name": "Application",
"telephone": "2035258209",
"citizenship": null,
"email_address": "example@email.com",
"date_of_birth": "1958-03-03",
"job_title": null,
"signature_status": null,
"ownership_percentage": "100.00"
},
"naics_code": null,
"industry": null,
"business_notes": null,
"status": "Started"
}
}
Received response:
Request failed with error:
Save PIIs
Requires Authentication
PUT
api/v2/applications/{application}/piis
Use the following command
curl --request PUT \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/piis" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"date_of_birth\": \"2022-1-27\",
\"tax_exempt\": false
}"
The above command returns JSON structured like this:
{
"data": {
"id": "317fdf56-cc6d-4856-bde5-0bcb2e79b41e",
"business": {
"business_legal_name": "Example Company",
"doing_business_as": "Sample",
"has_website": null,
"website_address": null,
"is_ecommerce": null,
"tax_exempt": null,
"preferred_contact_method": null,
"actual_monthly_revenue": null,
"estimated_annual_revenue": null,
"finished_type": null,
"business_start_date": "2020-02-01",
"sole_owner": true,
"ownership_percentage": null,
"industry_type_id": null,
"number_of_employees_id": null,
"business_entity_type_id": 1,
"actual_credit_score": null,
"credit_limit": null,
"credit_utilization": null,
"inquiries": null
},
"personal_information": {
"id": 23,
"first_name": "Test",
"last_name": "Application",
"telephone": "2035258209",
"citizenship": null,
"email_address": "example@email.com",
"date_of_birth": "1958-03-03",
"job_title": null,
"signature_status": null,
"ownership_percentage": "100.00"
},
"naics_code": null,
"industry": null,
"business_notes": null,
"status": "Started"
}
}
Received response:
Request failed with error:
Save Application Funds
Requires Authentication
PUT
api/v2/applications/{application}/fund
Use the following command
curl --request PUT \
"https://api.lendflow.com/api/v2/applications/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/fund" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json" \
--data "{
\"use_of_fund\": \"use_of_funds_1\",
\"funds_needed_time\": \"funds_needed_time_1\"
}"
The above command returns JSON structured like this:
{
"docusign_link": "http://example/link",
"plaid_link_token": "token"
}
Received response:
Request failed with error:
Get required stips for single offer
Requires Authentication
GET
api/v2/offers/{offer}/required-stips
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v2/offers/317fdf56-cc6d-4856-bde5-0bcb2e79b41e/required-stips" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": [
{
"id": 1,
"stip_id": 1,
"name": "UCCS docs",
"description": "",
"files": [],
"is_finished": false
},
{
"id": 1,
"stip_id": 1,
"name": "UCCS docs",
"description": "",
"files": [],
"is_finished": false
}
]
}
Received response:
Request failed with error:
Get all Offers
Requires Authentication
GET
api/v2/offers
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v2/offers?complete=" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": [
{
"id": "0022fa53-8e32-4b60-80e5-c4e3d905c22a",
"application_id": "77912305-8318-4bcb-a103-810826bbea1a",
"start_date": null,
"end_date": null,
"product": "Term loan",
"offer_amount": 3500,
"payback_amount": 5215,
"payment_amount": 51,
"number_of_payments": 103,
"max_sell_interest_rate": 1.49,
"min_buy_interest_rate": 1.39,
"payment_frequency": 1,
"term_length": 4.95,
"offer_generated_date": "2021-12-06T15:00:00.000000Z",
"offer_expiration_date": "2021-12-06T00:00:00.000000Z",
"max_commission_rate": 10
},
{
"id": "0022fa53-8e32-4b60-80e5-c4e3d905c22a",
"application_id": "77912305-8318-4bcb-a103-810826bbea1a",
"start_date": null,
"end_date": null,
"product": "Term loan",
"offer_amount": 3500,
"payback_amount": 5215,
"payment_amount": 51,
"number_of_payments": 103,
"max_sell_interest_rate": 1.49,
"min_buy_interest_rate": 1.39,
"payment_frequency": 1,
"term_length": 4.95,
"offer_generated_date": "2021-12-06T15:00:00.000000Z",
"offer_expiration_date": "2021-12-06T00:00:00.000000Z",
"max_commission_rate": 10
}
]
}
Received response:
Request failed with error:
Monthly Revenues
Requires Authentication
This endpoint, shows the users all the available monthly revenue options/category from Lendflow system
GET
api/v2/monthly_revenues
Use the following command
curl --request GET \
--get "https://api.lendflow.com/api/v2/monthly_revenues" \
--header "Authorization: Bearer {YOUR_AUTH_KEY}" \
--header "Content-Type: application/json" \
--header "Accept: application/json"The above command returns JSON structured like this:
{
"data": [
{
"key": "monthly_avg_revenue_1",
"range": "0 - 4000"
},
{
"key": "monthly_avg_revenue_1",
"range": "0 - 4000"
}
]
}
Received response:
Request failed with error: