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OpenAPI Specification

openapi: 3.2.0
info:
  title: Funding Circle Introducer 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.
  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:
  schemas:
    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
    LoanApplicationCreated:
      type: object
      properties:
        loan_application_uuid:
          type: string
          format: uuid
    LoanApplication:
      type: object
      properties:
        loan_application_uuid:
          type: string
          format: uuid
        status:
          type: string
          enum:
          - in_progress
          - action_required
          - decision_made
    Problem:
      type: object
      description: RFC 7807 Problem Details.
      properties:
        type:
          type: string
        title:
          type: string
        status:
          type: integer
        detail:
          type: string
        instance:
          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.
  responses:
    Problem:
      description: RFC 7807 problem details
      content:
        application/problem+json:
          schema:
            $ref: '#/components/schemas/Problem'
  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
  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: {}