Funding Circle Loan Applications API

openapi: 3.1.0
info:
  title: Funding Circle Introducer Decisions Loan Applications 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: Loan Applications
  description: Create and manage business loan applications
paths:
  /loan_application:
    post:
      operationId: createLoanApplication
      summary: Create a term loan application
      description: Submit a new Funding Circle business term loan application.
      tags:
      - Loan Applications
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/LoanApplicationRequest'
      responses:
        '201':
          description: Loan application created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoanApplicationCreated'
        '400':
          $ref: '#/components/responses/Problem'
        '401':
          $ref: '#/components/responses/Problem'
        '422':
          $ref: '#/components/responses/Problem'
  /flexipay/loan_application:
    post:
      operationId: createFlexipayLoanApplication
      summary: Create a FlexiPay loan application
      description: Submit a new FlexiPay line-of-credit application.
      tags:
      - Loan Applications
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/FlexipayLoanApplicationRequest'
      responses:
        '201':
          description: FlexiPay application created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoanApplicationCreated'
        '400':
          $ref: '#/components/responses/Problem'
        '401':
          $ref: '#/components/responses/Problem'
        '422':
          $ref: '#/components/responses/Problem'
  /loan_application_status/{loan_application_uuid}:
    get:
      operationId: getLoanApplicationStatus
      summary: Check application processing status
      description: Poll whether processing is ongoing (HTTP 202) or complete (HTTP 303).
      tags:
      - Loan Applications
      parameters:
      - $ref: '#/components/parameters/LoanApplicationUuid'
      responses:
        '202':
          description: Processing ongoing
        '303':
          description: Processing complete
        '401':
          $ref: '#/components/responses/Problem'
        '404':
          $ref: '#/components/responses/Problem'
  /loan_application/{loan_application_uuid}:
    get:
      operationId: getLoanApplication
      summary: Retrieve a loan application
      description: Retrieve the application. The `status` field is one of `in_progress`, `action_required`, or `decision_made`.
      tags:
      - Loan Applications
      parameters:
      - $ref: '#/components/parameters/LoanApplicationUuid'
      responses:
        '200':
          description: Loan application
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoanApplication'
        '401':
          $ref: '#/components/responses/Problem'
        '404':
          $ref: '#/components/responses/Problem'
        '410':
          $ref: '#/components/responses/Problem'
components:
  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
  schemas:
    LoanApplication:
      type: object
      properties:
        loan_application_uuid:
          type: string
          format: uuid
        status:
          type: string
          enum:
          - in_progress
          - action_required
          - decision_made
    FlexipayLoanApplicationRequest:
      type: object
      description: Like LoanApplicationRequest but without loan_info, loan_purpose, client_consent and broker_commission.
      required:
      - business_reference
      - ebo_list
      - customer_info
      - business_info
      properties:
        business_reference:
          type: object
        ebo_list:
          type: array
          items:
            type: object
        customer_info:
          type: object
        business_info:
          type: object
        broker_email:
          type: string
        callback_url:
          type: string
          format: uri
        partner_reference:
          type: string
    LoanApplicationRequest:
      type: object
      description: Documented top-level fields. Not exhaustive — nested field schemas are not published by Funding Circle.
      required:
      - business_reference
      - ebo_list
      - customer_info
      - business_info
      - loan_info
      - loan_purpose
      properties:
        business_reference:
          type: object
          description: Companies House reference for the business.
        ebo_list:
          type: array
          description: Executive Business Owners.
          items:
            type: object
        customer_info:
          type: object
          description: Applicant director information.
        business_info:
          type: object
          description: Company details.
        loan_info:
          type: object
          description: Requested amount and term.
        loan_purpose:
          type: string
          description: Purpose classification.
        client_consent:
          type: object
          description: Application and privacy consent (broker submissions).
        broker_commission:
          type: number
          description: 0-6% in 0.5% increments, tier-dependent (broker submissions).
        broker_email:
          type: string
          description: Broker identifier (broker submissions).
        callback_url:
          type: string
          format: uri
          description: Webhook URL notified when action is required or a decision is made.
        partner_reference:
          type: string
          description: Partner-internal identifier.
    LoanApplicationCreated:
      type: object
      properties:
        loan_application_uuid:
          type: string
          format: uuid
    Problem:
      type: object
      description: RFC 7807 Problem Details.
      properties:
        type:
          type: string
        title:
          type: string
        status:
          type: integer
        detail:
          type: string
        instance:
          type: string
  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: {}