Credgenics Lending API

openapi: 3.1.0
info:
  title: Credgenics Recovery Authentication Lending API
  version: v1
  description: REST API for the Credgenics debt collection and loan recovery platform. Lenders integrate loan, customer, payment and transaction data, and receive collections outcomes back. Authentication is a client-credentials exchange that returns a short-lived API token supplied in the `authenticationtoken` header; every resource request carries the tenant's `company_id` as a query parameter. This specification was generated faithfully from the public developer documentation at https://docs.credgenics.com/ — it captures the documented endpoints, headers and parameters only; request/response bodies are documented narratively and are represented here as open objects.
  contact:
    name: Credgenics Support
    email: support@credgenics.com
    url: https://docs.credgenics.com/
  x-provenance:
    generated: '2026-07-18'
    method: generated
    source: https://docs.credgenics.com/#getting-started
servers:
- url: https://apiprod.credgenics.com
  description: Production
security:
- authenticationToken: []
tags:
- name: Lending
  description: Loan and payment ingestion and retrieval.
paths:
  /recovery/v1/loans/{loan_id}:
    get:
      operationId: getLoan
      tags:
      - Lending
      summary: Get loan details
      description: Retrieve a loan by id, including applicant details, loan variables, allocation variables (outstanding, DPD, penalties), module-wise statuses, payments and tags.
      parameters:
      - $ref: '#/components/parameters/LoanId'
      - $ref: '#/components/parameters/CompanyId'
      - $ref: '#/components/parameters/AttributeLevels'
      - $ref: '#/components/parameters/DataTypeConversion'
      - $ref: '#/components/parameters/AuditInfo'
      - $ref: '#/components/parameters/IdInfo'
      responses:
        '200':
          description: Loan details.
          content:
            application/json:
              schema:
                type: object
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /recovery/v1/loan/{loan_id}:
    post:
      operationId: uploadLoan
      tags:
      - Lending
      summary: Upload a loan
      description: Upload new loan / EMI data for a loan id.
      parameters:
      - $ref: '#/components/parameters/LoanId'
      - $ref: '#/components/parameters/CompanyId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
      responses:
        '201':
          description: Loan created.
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
    patch:
      operationId: updateLoan
      tags:
      - Lending
      summary: Update a loan
      description: Update loan details for a loan id.
      parameters:
      - $ref: '#/components/parameters/LoanId'
      - $ref: '#/components/parameters/CompanyId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
      responses:
        '200':
          description: Loan updated.
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /recovery/payments/{loan_id}:
    patch:
      operationId: updatePayment
      tags:
      - Lending
      summary: Update payment information
      description: Record a payment against a loan. Supports recovery-amount bifurcation across EMI, late fees and penalties via prefixed keys such as `recovered_expected_emi`, `recovered_late_fee` and `recovered_penalty`.
      parameters:
      - $ref: '#/components/parameters/LoanId'
      - $ref: '#/components/parameters/CompanyId'
      - name: allocation_month
        in: query
        required: false
        description: Allocation month in "YYYY-M-01" format (e.g. "2025-11-01").
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
      responses:
        '200':
          description: Payment updated.
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  parameters:
    AuditInfo:
      name: audit_info
      in: query
      required: false
      description: Include created/updated metadata.
      schema:
        type: boolean
    LoanId:
      name: loan_id
      in: path
      required: true
      schema:
        type: string
    AttributeLevels:
      name: attribute_levels
      in: query
      required: true
      description: Controls which data sections are returned.
      schema:
        type: string
    CompanyId:
      name: company_id
      in: query
      required: true
      description: Tenant company identifier, required on every resource request.
      schema:
        type: string
    IdInfo:
      name: id_info
      in: query
      required: false
      description: Include internal system identifiers.
      schema:
        type: boolean
    DataTypeConversion:
      name: data_type_conversion
      in: query
      required: false
      description: Convert values to proper types (boolean/int/float).
      schema:
        type: boolean
  schemas:
    Error:
      type: object
      description: Credgenics error envelope. Validation errors carry field-level messages under output.errors.
      properties:
        message:
          type: string
        success:
          type: boolean
        output:
          type: object
          properties:
            errors:
              type: object
              additionalProperties:
                type: string
  responses:
    Unauthorized:
      description: Authentication failure (session expired or invalid credentials).
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Validation error.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Route or resource not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    authenticationToken:
      type: apiKey
      in: header
      name: authenticationtoken
      description: Short-lived API token obtained from POST /user/public/access-token. Supplied on every resource request.