Finmid Funding API
The Funding API from Finmid — 2 operation(s) for funding.
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OpenAPI Specification
openapi: 3.2.0
info:
title: CAPITAL Funding API
version: v1.0
servers:
- url: https://sandbox.finmid.com
description: Sandbox
- url: https://api.finmid.com
description: Live
security:
- apiKeyScheme: []
tags:
- name: Funding
paths:
/api/v1/capital/businesses/{business_id}/credits:
get:
tags:
- Funding
operationId: get-fundings-for-business
summary: Get Fundings
description: 'The endpoint provides information about the Funding of the Business.
Depending on the presence and status of the current Funding, Platforms can communicate different details to the Business in their UI.
> 📘
>
> finmid API supports `capital_funding.created` webhook to communicate when an Offer was accepted by a business and a Funding was created.'
parameters:
- $ref: '#/paths/~1api~1v1~1capital~1businesses~1{business_id}/get/parameters/0'
- name: statuses
in: query
description: Filter for status of the Funding.
required: false
schema:
type: array
items:
description: Status of the Funding.
type: string
enum:
- PENDING
- PAID
- REFINANCED
- REJECTED
- CANCELLED
- DEFAULTED
example:
- PENDING
- PAID
responses:
'200':
description: List of Fundings ordered by `accepted_at` in descending order.
content:
application/json:
schema:
type: object
required:
- data
properties:
data:
description: List of Fundings.
type: array
items:
type: object
required:
- id
- business_id
- limit
- fee
- payment_type
- repaid_amount
- total_amount_paid
- total_amount_reconciled
- currency
- country
- accepted_at
- due_at
- paid_at
- estimated_payoff_months
- status
- payout_amount
properties:
id:
description: Unique identifier of the Funding.
type: string
format: uuid
example: 20e9a201-9b22-4768-887b-1b7559b699c6
business_id:
description: Identifier of the Business to which this Funding belongs.
example: business-id
$ref: '#/paths/~1api~1v1~1capital~1payment-batches~1{batch_id}/get/parameters/0/schema'
limit:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: Funding limit.
example: 1000
fee:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: The total cost of the funding for the business.
example: 100
repayment_percent:
deprecated: true
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: Payment percentage. Deprecated, use `payment_percentage` instead.
example: 15
payment_percentage:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: 'Payment percentage. Percentage of the sales amount that will be deducted from the business''s sales.
Only applicable to `FLEXIBLE` `payment_type`.
'
example: 15
payment_amount:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: 'Payment amount. Amount which business keeps paying for their funding on `payment_frequency` basis.
Only applicable to `FIXED` `payment_type`.
'
example: 200
payment_frequency:
description: 'Frequency in which business keeps paying a fixed amount (`payment_amount`) for their funding.
For instance, 200 EUR / week.
Only applicable to `FIXED` `payment_type`.
'
type: string
enum:
- WEEKLY
- MONTHLY
example: WEEKLY
payment_type:
description: 'Payment type is defining the way business pays for their funding.
- `FLEXIBLE` means a percentage (`payment_percentage`) of their sales.
- `FIXED` means a fixed amount (`payment_amount`) at a certain frequency (`payment_frequency`).
'
type: string
enum:
- FIXED
- FLEXIBLE
example: FLEXIBLE
repaid_amount:
deprecated: true
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: Paid amount. Deprecated, use `total_amount_paid` instead.
example: 123.45
total_amount_paid:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: The amount, that has already been deducted from business for this funding. Can be higher than `total_amount_reconciled`.
example: 123.45
total_amount_reconciled:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: The amount, that has already been deducted from the business and reconciled by Finmid.
example: 110.5
currency:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1payment-batches~1{batch_id}~1incoming-funds/post/requestBody/content/application~1json/schema/properties/currency/allOf/0'
- description: Three-letter currency code (ISO 4217).
country:
allOf:
- description: Country code (ISO 3166-1 alpha-3, e.g. `DEU`, `USA`).
type: string
example: DEU
enum:
- ABW
- AFG
- AGO
- AIA
- ALA
- ALB
- AND
- ARE
- ARG
- ARM
- ASM
- ATA
- ATF
- ATG
- AUS
- AUT
- AZE
- BDI
- BEL
- BEN
- BES
- BFA
- BGD
- BGR
- BHR
- BHS
- BIH
- BLM
- BLR
- BLZ
- BMU
- BOL
- BRA
- BRB
- BRN
- BTN
- BVT
- BWA
- CAF
- CAN
- CCK
- CHE
- CHL
- CHN
- CIV
- CMR
- COD
- COG
- COK
- COL
- COM
- CPV
- CRI
- CUB
- CUW
- CXR
- CYM
- CYP
- CZE
- DEU
- DJI
- DMA
- DNK
- DOM
- DZA
- ECU
- EGY
- ERI
- ESH
- ESP
- EST
- ETH
- FIN
- FJI
- FLK
- FRA
- FRO
- FSM
- GAB
- GBR
- GEO
- GGY
- GHA
- GIB
- GIN
- GLP
- GMB
- GNB
- GNQ
- GRC
- GRD
- GRL
- GTM
- GUF
- GUM
- GUY
- HKG
- HMD
- HND
- HRV
- HTI
- HUN
- IDN
- IMN
- IND
- IOT
- IRL
- IRN
- IRQ
- ISL
- ISR
- ITA
- JAM
- JEY
- JOR
- JPN
- KAZ
- KEN
- KGZ
- KHM
- KIR
- KNA
- KOR
- KWT
- LAO
- LBN
- LBR
- LBY
- LCA
- LIE
- LKA
- LSO
- LTU
- LUX
- LVA
- MAC
- MAF
- MAR
- MCO
- MDA
- MDG
- MDV
- MEX
- MHL
- MKD
- MLI
- MLT
- MMR
- MNE
- MNG
- MNP
- MOZ
- MRT
- MSR
- MTQ
- MUS
- MWI
- MYS
- MYT
- NAM
- NCL
- NER
- NFK
- NGA
- NIC
- NIU
- NLD
- NOR
- NPL
- NRU
- NZL
- OMN
- PAK
- PAN
- PCN
- PER
- PHL
- PLW
- PNG
- POL
- PRI
- PRK
- PRT
- PRY
- PSE
- PYF
- QAT
- REU
- ROU
- RUS
- RWA
- SAU
- SDN
- SEN
- SGP
- SGS
- SHN
- SJM
- SLB
- SLE
- SLV
- SMR
- SOM
- SPM
- SRB
- SSD
- STP
- SUR
- SVK
- SVN
- SWE
- SWZ
- SXM
- SYC
- SYR
- TCA
- TCD
- TGO
- THA
- TJK
- TKL
- TKM
- TLS
- TON
- TTO
- TUN
- TUR
- TUV
- TWN
- TZA
- UGA
- UKR
- UMI
- URY
- USA
- UZB
- VAT
- VCT
- VEN
- VGB
- VIR
- VNM
- VUT
- WLF
- WSM
- YEM
- ZAF
- ZMB
- ZWE
- XKX
- description: Country in which the Business operates (ISO 3166-1 alpha-3, e.g. DEU).
estimated_payoff_months:
description: Estimated months until the Funding is fully paid.
example: 6
type: integer
format: int32
accepted_at:
description: Timestamp in UTC when the Funding offer was accepted (ISO 8601 datetime).
type: string
format: date-time
example: '2024-01-01T00:00:00.000Z'
due_at:
description: Timestamp in UTC when the Funding is expected to be paid (ISO 8601 datetime).
type: string
format: date-time
example: '2025-01-01T00:00:00.000Z'
paid_at:
description: Timestamp in UTC when the Funding was completely paid by business (ISO 8601 datetime).
type:
- string
- 'null'
format: date-time
example: '2025-11-01T00:00:00.000Z'
paid_out_at:
description: Timestamp in UTC when the Funding was paid out to the merchant (ISO 8601 datetime).
type:
- string
- 'null'
format: date-time
example: '2024-01-02T00:00:00.000Z'
status:
description: 'Status of the Funding.
- `PENDING`: funding has been accepted and is being repaid.
- `PAID`: funding has already been repaid.
- `REFINANCED` : funding has been refinanced. This means the new funding with higher limit has been accepted and this funding has been closed.
- `REJECTED` : funding payout has been rejected due to failed KYB check.
- `CANCELLED`: funding has been cancelled before being paid out.
- `DEFAULTED`: funding has been terminated before full repayment due to insolvency.
'
type: string
enum:
- PENDING
- PAID
- REFINANCED
- REJECTED
- CANCELLED
- DEFAULTED
example: PENDING
payout_amount:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: The amount of money that business will receive on its bank account as payout for this funding.
example: 1000
examples:
fundings_list:
value:
data:
- id: 00000000-0000-0000-0000-000000000002
business_id: business-id
limit: 2000
fee: 200
repayment_percent: 15
payment_percentage: 15
repaid_amount: 2200
total_amount_paid: 2200
total_amount_reconciled: 2000
currency: EUR
country: DEU
accepted_at: '2024-01-01T00:00:00.000Z'
due_at: '2025-01-01T00:00:00.000Z'
paid_at: '2024-08-15T00:00:00.000Z'
estimated_payoff_months: 7
status: PAID
- id: 00000000-0000-0000-0000-000000000001
business_id: business-id
limit: 1000
fee: 100
repayment_percent: 15
payment_percentage: 15
repaid_amount: 0
total_amount_paid: 0
total_amount_reconciled: 0
currency: EUR
country: DEU
accepted_at: '2024-09-01T00:00:00.000Z'
due_at: '2025-09-01T00:00:00.000Z'
paid_at: null
estimated_payoff_months: 3
status: PENDING
'401':
$ref: '#/paths/~1api~1v1~1capital~1businesses/post/responses/401'
'404':
$ref: '#/paths/~1api~1v1~1capital~1businesses~1{business_id}/get/responses/404'
'500':
$ref: '#/paths/~1api~1v1~1capital~1businesses/post/responses/500'
/api/v1/capital/credits/{credit_id}/payments:
get:
tags:
- Funding
operationId: get-payments-for-credit
summary: Get Funding payments
description: 'Retrieve all payments for a specific Funding.
See also:
- `payment.scheduled` webhook
- `payment.completed` webhook
- `payment.failed` webhook
- `payment.cancelled` webhook'
parameters:
- name: credit_id
in: path
description: Identifier of the Funding.
required: true
schema:
type: string
format: uuid
example: 20e9a201-9b22-4768-887b-1b7559b699c6
responses:
'200':
description: List of Funding payments ordered by `scheduled_at`.
content:
application/json:
schema:
type: object
required:
- data
properties:
data:
description: List of Funding payments.
type: array
items:
type: object
required:
- id
- status
- repayment_amount
- scheduled_at
- expected_at
- completed_at
- sales_amount
properties:
id:
description: Unique identifier of the payment.
type: string
example: 25-08-abcde
status:
description: 'Status of the Funding payment.
- `PENDING`: Payment is not yet processed (it may have left the Business’s bank account but has not been confirmed as received by our system).
- `COMPLETED`: Payment has been successfully received and processed.
- `FAILED` : Payment either failed or was revoked by the Business.
'
type: string
enum:
- PENDING
- COMPLETED
- FAILED
- CANCELLED
example: PENDING
repayment_amount:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: The amount that is going to be debited from the Business bank account.
example: 150
scheduled_at:
description: Date when Payment is planned to be debited from the Business bank account.
type: string
format: date
example: '2025-08-15'
cancelled_at:
description: Date when Payment was cancelled.
type:
- string
- 'null'
format: date
example: '2025-08-15'
expected_at:
description: Date when Payment is expected to be received, processed and reflected on the Funding outstanding amount. Not null value means that Payment collection has already been scheduled with the bank.
type:
- string
- 'null'
format: date
example: '2025-08-17'
completed_at:
description: Date when Payment was processed and reflected on the Funding outstanding amount.
type:
- string
- 'null'
format: date
example: '2025-08-17'
sales_amount:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: Sales used to calculate the repayment amount. Not null only for Fundings with FLEXIBLE repayment type.
example: 1000
partial_payments:
description: A single payment may be received partly in multiple portions. This field represents all portions that were paid for a specific payment. I.e. payment amount is 1000 and we received only 200 and 700 so far. This field can be null if the payment was received in full as single transaction or if no payment has been received yet.
type:
- array
- 'null'
items:
type: object
required:
- amount
- reconciled_at
properties:
amount:
allOf:
- $ref: '#/paths/~1api~1v1~1capital~1simulation~1credits/post/responses/200/content/application~1json/schema/allOf/0/properties/fee/allOf/1'
- description: The partial payment amount.
example: 75
reconciled_at:
description: Timestamp when the partial payment was reconciled (ISO 8601 datetime).
type: string
format: date-time
example: '2025-08-16T14:30:00Z'
examples:
funding_payments:
value:
data:
- id: 25-08-abcde
status: COMPLETED
repayment_amount: 200
scheduled_at: '2025-08-15'
expected_at: '2025-08-18'
completed_at: '2025-08-18'
sales_amount: null
partial_payments:
- amount: 75
reconciled_at: '2025-08-16T14:30:00Z'
- amount: 125
reconciled_at: '2025-08-17T09:15:00Z'
- id: 25-09-abcde
status: FAILED
repayment_amount: 200
scheduled_at: '2025-09-15'
expected_at: '2025-09-17'
completed_at: null
sales_amount: null
partial_payments: null
- id: 25-10-abcde
status: PENDING
repayment_amount: 200
scheduled_at: '2025-10-15'
expected_at: '2025-10-17'
completed_at: null
sales_amount: null
partial_payments: null
- id: 25-11-abcde
status: PENDING
repayment_amount: 200
scheduled_at: '2025-11-15'
expected_at: null
completed_at: null
sales_amount: null
partial_payments: null
- id: 25-12-abcde
status: PENDING
repayment_amount: 200
scheduled_at: '2025-12-15'
expected_at: null
completed_at: null
cancelled_at: '2025-12-15'
sales_amount: null
partial_payments: null
'401':
$ref: '#/paths/~1api~1v1~1capital~1businesses/post/responses/401'
'404':
description: Funding not found
content:
application/json:
schema:
allOf:
- $ref: '#/paths/~1api~1v1~1transaction/post/responses/400/content/application~1json/schema/allOf/0'
- type: object
properties:
code:
type: string
enum:
- credit_not_found
description:
example: Credit with id '20e9a201-9b22-4768-887b-1b7559b699c6' not found
examples:
funding_not_found:
value:
code: credit_not_found
description: Credit with id '20e9a201-9b22-4768-887b-1b7559b699c6' not found
'500':
$ref: '#/paths/~1api~1v1~1capital~1businesses/post/responses/500'
components:
securitySchemes:
apiKeyScheme:
type: apiKey
in: header
name: X-API-KEY
x-provenance:
method: searched
source: https://docs.finmid.com/reference
harvested: '2026-10-14'
tool: harvest-readme-openapi.py
note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored.
assembled_from:
- https://docs.finmid.com/reference/accept-funding-application.md
- https://docs.finmid.com/reference/add-business-kyb-data.md
- https://docs.finmid.com/reference/add-sales-statements.md
- https://docs.finmid.com/reference/cancel-funding-application.md
- https://docs.finmid.com/reference/complete-payment.md
- https://docs.finmid.com/reference/create-business.md
- https://docs.finmid.com/reference/create-csp-document-upload.md
- https://docs.finmid.com/reference/create-kyb-business-document-upload.md
- https://docs.finmid.com/reference/create-signature-link.md
- https://docs.finmid.com/reference/delete-csp-document.md
- https://docs.finmid.com/reference/execute-payment-transaction.md
- https://docs.finmid.com/reference/fail-payment.md
- https://docs.finmid.com/reference/finalize-csp-document-submission.md
- https://docs.finmid.com/reference/get-active-offer-group.md
- https://docs.finmid.com/reference/get-business.md
- https://docs.finmid.com/reference/get-capital-max.md
- https://docs.finmid.com/reference/get-current-offer-state.md
- https://docs.finmid.com/reference/get-document-url.md
- https://docs.finmid.com/reference/get-funding-applications.md
- https://docs.finmid.com/reference/get-fundings-for-business.md
- https://docs.finmid.com/reference/get-latest-onboarding.md
- https://docs.finmid.com/reference/get-payment-batch.md
- https://docs.finmid.com/reference/get-payments-for-credit.md
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# Full source: https://raw.githubusercontent.com/api-evangelist/finmid/refs/heads/main/openapi/finmid-funding-api-openapi.yml