Monite Financing API

openapi: 3.2.0
info:
  title: Monite Financing API
  contact:
    name: Monite team
    url: https://monite.com/about/
    email: developers@monite.com
  termsOfService: https://monite.com/terms
  version: '1.0'
  description: 'Operations tagged Financing across 3 of this provider''s published API definitions: monite-openapi-2023-09-01.json, monite-openapi-2024-05-25.json, monite-openapi.yml. Each path carries the servers of the definition it was published in.'
servers:
- url: https://api.dev.monite.com/v1
  description: Development environment
- url: https://api.sandbox.monite.com/v1
  description: Sandbox environment
- url: https://api.monite.com/v1
  description: Production environment (Europe)
- url: https://us.api.monite.com/v1
  description: Production environment (North America)
- url: https://api.monite.oaknorth.co.uk/v1
  description: Oak POC environment
tags:
- name: Financing
paths:
  /financing_invoices:
    get:
      tags:
      - Financing
      summary: Get invoices
      description: Returns a list of invoices requested for financing
      operationId: get_financing_invoices
      parameters:
      - required: true
        schema:
          type: string
          format: date
        example: '2023-09-01'
        name: x-monite-version
        in: header
      - description: Sort order (ascending by default). Typically used together with the `sort` parameter.
        required: false
        schema:
          allOf:
          - $ref: '#/components/schemas/OrderEnum'
          default: asc
        name: order
        in: query
      - description: The number of items (0 .. 100) to return in a single page of the response. The response may contain fewer items if it is the last or only page.
        required: false
        schema:
          type: integer
          maximum: 100.0
          minimum: 1.0
          default: 100
        name: limit
        in: query
      - description: 'A pagination token obtained from a previous call to this endpoint. Use it to get the next or previous page of results for your initial query. If `pagination_token` is specified, all other query parameters are ignored and inferred from the initial query.


          If not specified, the first page of results will be returned.'
        required: false
        schema:
          type: string
        name: pagination_token
        in: query
      - description: The field to sort the results by. Typically used together with the `order` parameter.
        required: false
        schema:
          allOf:
          - $ref: '#/components/schemas/FinancingInvoiceCursorFields'
        name: sort
        in: query
      - description: 'ID of a payable or receivable invoice. '
        required: false
        schema:
          type: string
          format: uuid
        name: invoice_id
        in: query
      - description: 'List of invoice IDs. '
        required: false
        schema:
          items:
            type: string
            format: uuid
          type: array
        name: invoice_id__in
        in: query
      - description: 'Status of the invoice. '
        required: false
        schema:
          allOf:
          - $ref: '#/components/schemas/WCInvoiceStatus'
        name: status
        in: query
      - description: 'List of invoice statuses. '
        required: false
        schema:
          items:
            $ref: '#/components/schemas/WCInvoiceStatus'
          type: array
        name: status__in
        in: query
      - description: 'Type of the invoice. payable or receivable. '
        required: false
        schema:
          allOf:
          - $ref: '#/components/schemas/FinancingInvoiceType'
        name: type
        in: query
      - description: 'List of invoice types. '
        required: false
        schema:
          items:
            $ref: '#/components/schemas/FinancingInvoiceType'
          type: array
        name: type__in
        in: query
      - description: 'Document ID of the invoice. '
        required: false
        schema:
          type: string
        name: document_id
        in: query
      - description: 'List of document IDs. '
        required: false
        schema:
          items:
            type: string
          type: array
        name: document_id__in
        in: query
      - description: 'Issue date greater than. '
        required: false
        schema:
          type: string
          format: date-time
        name: issue_date__gt
        in: query
      - description: 'Issue date less than. '
        required: false
        schema:
          type: string
          format: date-time
        name: issue_date__lt
        in: query
      - description: 'Issue date greater than or equal. '
        required: false
        schema:
          type: string
          format: date-time
        name: issue_date__gte
        in: query
      - description: 'Issue date less than or equal. '
        required: false
        schema:
          type: string
          format: date-time
        name: issue_date__lte
        in: query
      - description: 'Due date greater than. '
        required: false
        schema:
          type: string
          format: date-time
        name: due_date__gt
        in: query
      - description: 'Due date less than. '
        required: false
        schema:
          type: string
          format: date-time
        name: due_date__lt
        in: query
      - description: 'Due date greater than or equal. '
        required: false
        schema:
          type: string
          format: date-time
        name: due_date__gte
        in: query
      - description: 'Due date less than or equal. '
        required: false
        schema:
          type: string
          format: date-time
        name: due_date__lte
        in: query
      - description: 'Created date greater than. '
        required: false
        schema:
          type: string
          format: date-time
        name: created_at__gt
        in: query
      - description: 'Created date less than. '
        required: false
        schema:
          type: string
          format: date-time
        name: created_at__lt
        in: query
      - description: 'Created date greater than or equal. '
        required: false
        schema:
          type: string
          format: date-time
        name: created_at__gte
        in: query
      - description: 'Created date less than or equal. '
        required: false
        schema:
          type: string
          format: date-time
        name: created_at__lte
        in: query
      - description: 'Total amount of the invoice in minor units. '
        required: false
        schema:
          type: integer
        name: total_amount
        in: query
      - description: 'Total amount greater than. '
        required: false
        schema:
          type: integer
        name: total_amount__gt
        in: query
      - description: 'Total amount less than. '
        required: false
        schema:
          type: integer
        name: total_amount__lt
        in: query
      - description: 'Total amount greater than or equal. '
        required: false
        schema:
          type: integer
        name: total_amount__gte
        in: query
      - description: 'Total amount less than or equal. '
        required: false
        schema:
          type: integer
        name: total_amount__lte
        in: query
      - description: The ID of the entity that owns the requested resource.
        required: true
        schema:
          type: string
          format: uuid
          examples:
          - 9d2b4c8f-2087-4738-ba91-7359683c49a4
        name: x-monite-entity-id
        in: header
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/FinancingInvoiceListResponse'
        '405':
          description: Method Not Allowed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
      security:
      - HTTPBearer: []
    post:
      tags:
      - Financing
      summary: Request financing for invoices
      description: Returns a session token and a connect token to open Kanmon SDK for confirming invoice details.
      operationId: post_financing_invoices
      parameters:
      - required: true
        schema:
          type: string
          format: date
        example: '2023-09-01'
        name: x-monite-version
        in: header
      - description: The ID of the entity that owns the requested resource.
        required: true
        schema:
          type: string
          format: uuid
          examples:
          - 9d2b4c8f-2087-4738-ba91-7359683c49a4
        name: x-monite-entity-id
        in: header
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/FinancingPushInvoicesRequest'
        required: true
      responses:
        '201':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/FinancingPushInvoicesResponse'
        '405':
          description: Method Not Allowed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
      security:
      - HTTPBearer: []
    servers:
    - url: https://api.dev.monite.com/v1
      description: Development environment
    - url: https://api.sandbox.monite.com/v1
      description: Sandbox environment
    - url: https://api.monite.com/v1
      description: Production environment (Europe)
    - url: https://us.api.monite.com/v1
      description: Production environment (North America)
    - url: https://api.monite.oaknorth.co.uk/v1
      description: Oak POC environment
  /financing_offers:
    get:
      tags:
      - Financing
      summary: Get financing offers and the business status
      description: Returns a list of financing offers and the business's onboarding status
      operationId: get_financing_offers
      parameters:
      - required: true
        schema:
          type: string
          format: date
        example: '2023-09-01'
        name: x-monite-version
        in: header
      - description: The ID of the entity that owns the requested resource.
        required: true
        schema:
          type: string
          format: uuid
          examples:
          - 9d2b4c8f-2087-4738-ba91-7359683c49a4
        name: x-monite-entity-id
        in: header
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/FinancingOffersResponse'
        '405':
          description: Method Not Allowed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
      security:
      - HTTPBearer: []
    servers:
    - url: https://api.dev.monite.com/v1
      description: Development environment
    - url: https://api.sandbox.monite.com/v1
      description: Sandbox environment
    - url: https://api.monite.com/v1
      description: Production environment (Europe)
    - url: https://us.api.monite.com/v1
      description: Production environment (North America)
    - url: https://api.monite.oaknorth.co.uk/v1
      description: Oak POC environment
  /financing_tokens:
    post:
      tags:
      - Financing
      summary: Create a token for Kanmon SDK
      description: Returns a token for Kanmon SDK. Creates a business and user on Kanmon if not already exist.
      operationId: post_financing_tokens
      parameters:
      - required: true
        schema:
          type: string
          format: date
        example: '2023-09-01'
        name: x-monite-version
        in: header
      - description: The ID of the entity that owns the requested resource.
        required: true
        schema:
          type: string
          format: uuid
          examples:
          - 9d2b4c8f-2087-4738-ba91-7359683c49a4
        name: x-monite-entity-id
        in: header
      responses:
        '201':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/FinancingTokenResponse'
        '405':
          description: Method Not Allowed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSchemaResponse'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
      security:
      - HTTPBearer: []
    servers:
    - url: https://api.dev.monite.com/v1
      description: Development environment
    - url: https://api.sandbox.monite.com/v1
      description: Sandbox environment
    - url: https://api.monite.com/v1
      description: Production environment (Europe)
    - url: https://us.api.monite.com/v1
      description: Production environment (North America)
    - url: https://api.monite.oaknorth.co.uk/v1
      description: Oak POC environment
components:
  schemas:
    FinancingInvoiceType:
      type: string
      enum:
      - payable
      - receivable
    FinancingPushInvoicesResponse:
      properties:
        connect_token:
          type: string
          description: A connect token for Kanmon SDK.
        session_token:
          type: string
          description: An embedded session token for Kanmon SDK.
      type: object
      required:
      - connect_token
      - session_token
    FinancingInvoice:
      properties:
        advance_amount:
          type: integer
          minimum: 0.0
          description: Amount after fees the business will receive in minor units.
        advance_rate_percentage:
          type: integer
          minimum: 0.0
          description: Advance rate percentage. 10000 means 100%
        currency:
          allOf:
          - $ref: '#/components/schemas/CurrencyEnum'
          description: Currency code.
        description:
          type: string
          description: Description of the invoice.
        document_id:
          type: string
          description: Monite document ID.
        due_date:
          type: string
          format: date
          description: Monite invoice due date.
        fee_amount:
          type: integer
          minimum: 0.0
          description: Fee amount in minor units.
        fee_percentage:
          type: integer
          minimum: 0.0
          description: Fee percentage. 300 means 3%
        invoice_id:
          type: string
          format: uuid
          description: Monite invoice ID.
        issue_date:
          type: string
          format: date
          description: Monite invoice issue date.
        payer_business_name:
          type: string
          description: Payer business name. Only applicable for BUSINESS payer type.
        payer_first_name:
          type: string
          description: Payer first name. Only applicable for INDIVIDUAL payer type.
        payer_last_name:
          type: string
          description: Payer last name. Only applicable for INDIVIDUAL payer type.
        payer_type:
          type: string
          description: Payer type. BUSINESS or INDIVIDUAL
        principal_amount:
          type: integer
          minimum: 0.0
          description: Principal amount of the loan in minor units.
        repayment_amount:
          type: integer
          minimum: 0.0
          description: Amount the business will repay in minor units.
        repayment_schedule:
          allOf:
          - $ref: '#/components/schemas/RepaymentSchedule'
          description: Repayment schedule of the invoice.
          example:
            repayment_date: '2025-03-01'
            repayment_amount: 100000
            repayment_fee_amount: 3000
            repayment_principal_amount: 97000
        requested_amount:
          type: integer
          minimum: 0.0
          description: Amount the business requests to be financed in minor units.
        status:
          allOf:
          - $ref: '#/components/schemas/WCInvoiceStatus'
          description: Status of the invoice.
        total_amount:
          type: integer
          minimum: 0.0
          description: Total amount of the invoice in minor units.
        type:
          allOf:
          - $ref: '#/components/schemas/FinancingInvoiceType'
          description: The type of the invoice i.e. receivable or payable.
      type: object
      required:
      - type
      - status
      - invoice_id
      - document_id
      - due_date
      - issue_date
      - total_amount
      - currency
      - payer_type
    FinancingPushInvoicesRequest:
      properties:
        invoices:
          items:
            $ref: '#/components/schemas/FinancingPushInvoicesRequestInvoice'
          type: array
          maxItems: 10
          minItems: 1
          description: A list of invoices to request financing for.
      type: object
      required:
      - invoices
    FinancingInvoiceListResponse:
      properties:
        data:
          items:
            $ref: '#/components/schemas/FinancingInvoice'
          type: array
          description: A list of invoices requested for financing.
        next_pagination_token:
          type: string
          description: A token that can be sent in the `pagination_token` query parameter to get the next page of results, or `null` if there is no next page (i.e. you've reached the last page).
        prev_pagination_token:
          type: string
          description: A token that can be sent in the `pagination_token` query parameter to get the previous page of results, or `null` if there is no previous page (i.e. you've reached the first page).
      type: object
      required:
      - data
    PricingPlan:
      properties:
        advance_rate_percentage:
          type: integer
          description: Advance rate percentage. 10000 means 100%
        fee_percentage:
          type: integer
          description: Transaction fee percentage. 300 means 3.00%
        repayment_duration_days:
          type: integer
          description: This amount of days after which the repayment duration is due. This is only applicable for FIXED_DURATION repayment type
        repayment_type:
          allOf:
          - $ref: '#/components/schemas/WCRepaymentType'
          description: Repayment type of the loan.
      type: object
      required:
      - advance_rate_percentage
      - fee_percentage
      - repayment_type
      description: A pricing plan of a financing offer
    FinancingOffer:
      properties:
        available_amount:
          type: integer
          description: The available credit limit in minor units.
          example: 500000
        currency:
          allOf:
          - $ref: '#/components/schemas/CurrencyEnum'
          description: The currency code.
          example: USD
        pricing_plans:
          items:
            $ref: '#/components/schemas/PricingPlan'
          type: array
          minItems: 1
          description: A list of pricing plans for the offer.
        status:
          allOf:
          - $ref: '#/components/schemas/WCOfferStatus'
          description: The status of the financing offer.
          example: CURRENT
        total_amount:
          type: integer
          description: The total credit limit in minor units.
          example: 1000000
      type: object
      required:
      - status
      - total_amount
      - currency
      - pricing_plans
    WCBusinessStatus:
      type: string
      enum:
      - NEW
      - INPUT_REQUIRED
      - ONBOARDED
      description: '- NEW: A business has been created within Kanmon

        - ONBOARDED: A business has completed all of the onboarding steps within Kanmon and is now awaiting underwriting.

        - INPUT_REQUIRED: A business will be asked to provide required data'
    FinancingTokenResponse:
      properties:
        connect_token:
          type: string
          description: A connect token for Kanmon SDK.
      type: object
      required:
      - connect_token
    OrderEnum:
      type: string
      enum:
      - asc
      - desc
    WCInvoiceStatus:
      type: string
      enum:
      - DRAFT
      - NEW
      - FUNDED
      - PAID
      - LATE
      - REJECTED
      - DEFAULTED
      description: '- DRAFT: The invoice is in draft state. The business has not submitted the invoice for funding.

        - NEW: The business has submitted an invoice and it is under review.

        - FUNDED: The funds for the invoice have been disbursed. The business is now expected to pay back the funds.

        - PAID: A payment was made that fully paid off an outstanding invoice.

        - LATE: A payment was not made towards an outstanding invoice.

        - REJECTED: An invoice was rejected during the funding step.

        - DEFAULTED: A payment was not made towards an outstanding invoice.'
    ErrorSchema:
      properties:
        message:
          type: string
      type: object
      required:
      - message
    WCOfferStatus:
      type: string
      enum:
      - NEW
      - ACCEPTED
      - EXPIRED
      - CURRENT
      - LATE
      - CLOSED
      - DEFAULTED
      description: '- NEW: A new offer has been extended to the business.

        - ACCEPTED: Business has accepted an offer and is waiting on the closing process.

        - EXPIRED: Business has not accepted the offer, and the offer has expired.

        - CURRENT: A loan has been originated and does not currently have any outstanding delayed payments.

        - LATE: One or more repayments on the issued product have failed.

        - CLOSED: The issued product is no longer available to the business.

        - DEFAULTED: The business has failed to meet agreed-upon terms of the loan agreement.'
    FinancingPushInvoicesRequestInvoice:
      properties:
        id:
          type: string
          format: uuid
          description: The invoice ID.
        type:
          allOf:
          - $ref: '#/components/schemas/FinancingInvoiceType'
          description: The invoice type.
      type: object
      required:
      - id
      - type
    WCRepaymentType:
      type: string
      enum:
      - MULTIPLE_DURATION
      - FIXED_DURATION
      - FIXED_DATE
      description: '- MULTIPLE_DURATION: The business can repay the loan over multiple durations.

        - FIXED_DURATION: The business must repay the loan over a fixed duration.

        - FIXED_DATE: The business must repay the loan on a fixed date.'
    HTTPValidationError:
      properties:
        detail:
          items:
            $ref: '#/components/schemas/ValidationError'
          type: array
      type: object
    RepaymentSchedule:
      properties:
        repayment_amount:
          type: integer
          description: Repayment amount in minor units
        repayment_date:
          type: string
          description: Repayment date in ISO 8601 format
        repayment_fee_amount:
          type: integer
          description: Repayment fee amount in minor units
        repayment_principal_amount:
          type: integer
          description: Repayment principal amount in minor units
      type: object
      required:
      - repayment_date
      - repayment_amount
      - repayment_fee_amount
      - repayment_principal_amount
      description: Repayment schedule model
    ValidationError:
      properties:
        loc:
          items:
            anyOf:
            - type: string
            - type: integer
          type: array
        msg:
          type: string
        type:
          type: string
      type: object
      required:
      - loc
      - msg
      - type
    ErrorSchemaResponse:
      properties:
        error:
          $ref: '#/components/schemas/ErrorSchema'
      type: object
      required:
      - error
    FinancingInvoiceCursorFields:
      type: string
      enum:
      - id
      - created_at
    FinancingOffersResponse:
      properties:
        business_status:
          allOf:
          - $ref: '#/components/schemas/WCBusinessStatus'
          description: The business's onboarding status.
          example: ONBOARDED
        offers:
          items:
            $ref: '#/components/schemas/FinancingOffer'
          type: array
          description: A list of financing offers extended to the business.
      type: object
      required:
      - offers
      - business_status
    CurrencyEnum:
      type: string
      enum:
      - AED
      - AFN
      - ALL
      - AMD
      - ANG
      - AOA
      - ARS
      - AUD
      - AWG
      - AZN
      - BAM
      - BBD
      - BDT
      - BGN
      - BHD
      - BIF
      - BMD
      - BND
      - BOB
      - BRL
      - BSD
      - BTN
      - BWP
      - BYN
      - BZD
      - CAD
      - CDF
      - CHF
      - CLP
      - CNY
      - COP
      - CRC
      - CVE
      - CZK
      - DJF
      - DKK
      - DOP
      - DZD
      - EGP
      - ETB
      - EUR
      - FJD
      - FKP
      - GBP
      - GEL
      - GHS
      - GIP
      - GMD
      - GNF
      - GTQ
      - GYD
      - HKD
      - HNL
      - HTG
      - HUF
      - IDR
      - ILS
      - INR
      - IQD
      - ISK
      - JMD
      - JOD
      - JPY
      - KES
      - KGS
      - KHR
      - KMF
      - KRW
      - KWD
      - KYD
      - KZT
      - LAK
      - LBP
      - LKR
      - LRD
      - LSL
      - LYD
      - MAD
      - MDL
      - MGA
      - MKD
      - MMK
      - MNT
      - MOP
      - MUR
      - MVR
      - MWK
      - MXN
      - MYR
      - MZN
      - NAD
      - NGN
      - NIO
      - NOK
      - NPR
      - NZD
      - OMR
      - PAB
      - PEN
      - PGK
      - PHP
      - PKR
      - PLN
      - PYG
      - QAR
      - RON
      - RSD
      - RUB
      - RWF
      - SAR
      - SBD
      - SCR
      - SEK
      - SGD
      - SHP
      - SLE
      - SOS
      - SRD
      - SSP
      - SVC
      - SZL
      - THB
      - TJS
      - TMT
      - TND
      - TOP
      - TRY
      - TTD
      - TWD
      - TZS
      - UAH
      - UGX
      - USD
      - UYU
      - UZS
      - VND
      - VUV
      - WST
      - XAF
      - XCD
      - XOF
      - XPF
      - YER
      - ZAR
      - ZMW
  securitySchemes:
    HTTPBearer:
      type: http
      scheme: bearer
x-refined-from:
- monite-openapi-2023-09-01.json
- monite-openapi-2024-05-25.json
- monite-openapi.yml