Funding Circle Decisions API

openapi: 3.1.0
info:
  title: Funding Circle Introducer Decisions API
  version: '1.0'
  description: The Funding Circle Introducer API lets partners and brokers submit and manage UK small-business loan applications programmatically. It covers term business loans and FlexiPay applications, application status polling, credit decisions, and document upload. Faithfully transcribed by the API Evangelist enrichment pipeline from the published HTML developer reference; Funding Circle does not publish a machine-readable OpenAPI, so request/response schemas capture only the fields named in the documentation and are not exhaustive.
  contact:
    name: Funding Circle Developer
    url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  x-apievangelist-generated: '2026-07-19'
  x-apievangelist-method: generated
  x-apievangelist-source: https://www.fundingcircle.com/uk/partners/developer/api-doc/
servers:
- url: https://api.fundingcircle.co.uk/v1
  description: Live
- url: https://sandbox.api.fundingcircle.co.uk/v1
  description: Sandbox
security:
- oauth2: []
tags:
- name: Decisions
  description: Retrieve credit decisions
paths:
  /loan_application/{loan_application_uuid}/decision:
    get:
      operationId: getLoanApplicationDecision
      summary: Retrieve the credit decision
      description: Retrieve the decision. `status` is one of `provisional_offer`, `offered`, `rejected`, or `action_required`.
      tags:
      - Decisions
      parameters:
      - $ref: '#/components/parameters/LoanApplicationUuid'
      responses:
        '200':
          description: Credit decision
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Decision'
        '401':
          $ref: '#/components/responses/Problem'
        '404':
          $ref: '#/components/responses/Problem'
components:
  schemas:
    Decision:
      type: object
      properties:
        status:
          type: string
          enum:
          - provisional_offer
          - offered
          - rejected
          - action_required
    Problem:
      type: object
      description: RFC 7807 Problem Details.
      properties:
        type:
          type: string
        title:
          type: string
        status:
          type: integer
        detail:
          type: string
        instance:
          type: string
  parameters:
    LoanApplicationUuid:
      name: loan_application_uuid
      in: path
      required: true
      description: The UUID returned when the loan application was created.
      schema:
        type: string
        format: uuid
  responses:
    Problem:
      description: RFC 7807 problem details
      content:
        application/problem+json:
          schema:
            $ref: '#/components/schemas/Problem'
  securitySchemes:
    oauth2:
      type: oauth2
      description: OAuth 2.0 Client Credentials grant (RFC 6749 §4.4). POST a base64 `client_id:client_secret` to the token endpoint to obtain a 24-hour bearer access token.
      flows:
        clientCredentials:
          tokenUrl: https://auth.sandbox.api.fundingcircle.co.uk/oauth2/token
          scopes: {}