Facility
A credit facility: a revolving line (a credit card line, a HELOC, an overdraft line, a borrowing-base revolver), a construction loan that converts to its permanent mortgage, a standby letter of credit, factoring, a floor plan, a warehouse line or a merchant cash advance. Underwritten, activated, drawn, billed and paid, and swept for delinquency, nonaccrual and charge-off like a loan; the undrawn commitment is off balance sheet (Schedule RC-L).
OBJECTThe Facility objectA credit facility: a revolving line (a credit card line, a HELOC, an overdraft line, a borrowing-base revolver), a construction loan that converts to its permanent mortgage, a standby letter of credit, factoring, a floor plan, a warehouse line or a merchant cash advance. Underwritten, activated, drawn, billed and paid, and swept for delinquency, nonaccrual and charge-off like a loan; the undrawn commitment is off balance sheet (Schedule RC-L).POSTCreate a facility
/facilities · Apply for a credit facility (revolving line, construction, letter of credit, factoring, floor plan, warehouse, merchant cash advance)GETList all facilities/facilities · A customer's facilitiesGETFacilities by product: committed, drawn and unused/facilities/portfolioPOSTSweep expired facility reservations: record and publish every reservation whose time ran out/facilities/reservation-expiriesPOSTBill every open facility for a period: interest, fees, the minimum due and its due date/facilities/statementsGETGet a facility by ID/facilities/{id} · Read a facility with today's availabilityGETPage protected consumer-card billing-error work and deadlines/facilities/billing-errors/workGETReview captured unfinished facility payments and cancellation state/facilities/payment-commands/workPOSTOpen an approved facility (issue a letter of credit, fund a merchant cash advance)/facilities/{id}/activationsGETRead exact facility terms for affiliate credit review/facilities/{id}/affiliate-credit · Verified staff/service lending:read authority requiredGETRead source ledger identity before affiliate facility use/facilities/{id}/affiliate-funding-source · Verified lending:read staff/service authority requiredPOSTRecord actual statement cycle and transmission evidence/facilities/{id}/billing-cyclesPOSTCapture a written Reg Z billing-error notice and protect disputed amounts/facilities/{id}/billing-errorsGETRead facility billing-error cases/facilities/{id}/billing-errorsPOSTFile a borrowing base certificate/facilities/{id}/borrowing-basePOSTApply a merchant's card refund to a card facility/facilities/{id}/card-refundsPOSTCapture immutable closing terms and requirements/facilities/{id}/closingsPOSTConvert a construction facility into its permanent loan/facilities/{id}/conversionsPOSTDecide a facility in review: an independent credit officer approves or declines it/facilities/{id}/decisions · Decide a facility in review: an independent credit officer approves or declines itPOSTAsk for the authority to make one advance: dual control over advances at or above the bank's figure/facilities/{id}/draw-authorizationsGETA facility's draw authorisations, their decisions and the advances they funded/facilities/{id}/draw-authorizationsPOSTDraw on a facility: an advance, a presentation under a letter of credit, or an item financed/facilities/{id}/draws · Draw on a facility: an advance, a presentation under a letter of credit, or an item financedGETA facility's draws and financed items/facilities/{id}/drawsPOSTIndependently cancel an unposted payment or recover its committed journal/facilities/{id}/payment-cancellationsPOSTPay a facility from its settlement account/facilities/{id}/paymentsPOSTPropose immutable signed-note variable-rate terms/facilities/{id}/rate-contractGETRead the signed variable-rate contract/facilities/{id}/rate-contractPOSTCalculate and capture the next contractual rate reset and notice/facilities/{id}/rate-resetsGETRead immutable rate-reset history/facilities/{id}/rate-resetsPOSTApply a merchant's card-receipt holdback to a merchant cash advance/facilities/{id}/remittancesPOSTHold room on a facility for money promised elsewhere (a card authorisation in flight) until the draw carrying the same reference lands, it is released, or it expires/facilities/{id}/reservationsGETThe reservations still holding room on a facility/facilities/{id}/reservationsPOSTSettle a financed item: an invoice collected, a vehicle sold, a note taken out/facilities/{id}/settlementsGETA facility's billing cycles/facilities/{id}/statementsGETRead billing-error state and captured deadlines/facilities/{id}/billing-errors/{case}GETRead closing evidence and funding state/facilities/{id}/closings/{case}PATCHRaise a live reservation to a new, larger total (a card authorisation incremented); the Idempotency-Key replays the raise/facilities/{id}/reservations/{reservation}DELETERelease a reservation: the room is free again/facilities/{id}/reservations/{reservation}POSTConsume actual closing-day facility billing evidence/facilities/closing/sources/{id}/statements · Verified lending staff/service authority; fresh staff step-up for writesGETRead immutable billing-error evidence and decisions/facilities/{id}/billing-errors/{case}/eventsPOSTAdd authenticated investigation evidence/facilities/{id}/billing-errors/{case}/evidencePOSTPropose exact reviewed interest-source waiver and payment refund allocation/facilities/{id}/billing-errors/{case}/interest-reconciliationsGETRead original overlapping interest sources and balance reconciliation/facilities/{id}/billing-errors/{case}/interest-sourcesPOSTRecord actual acknowledgment or result notice transmission/facilities/{id}/billing-errors/{case}/noticesPOSTRelease protection after actual result notice and full grace period/facilities/{id}/billing-errors/{case}/releasePOSTPropose an evidence-backed financial correction or no-error determination/facilities/{id}/billing-errors/{case}/resolutionsPOSTCancel and fence an unposted closing/facilities/{id}/closings/{case}/cancellationPOSTRecord the signed contractual obligation after disclosure checks/facilities/{id}/closings/{case}/consummationPOSTArchive closing evidence for independent review/facilities/{id}/closings/{case}/documentsPOSTRelease closing after conditions and rescission clearance/facilities/{id}/closings/{case}/releasePOSTRecord written rescission and fence unposted funding/facilities/{id}/closings/{case}/rescissionPOSTDecide a draw authorisation: a second officer approves or rejects it, the officer who asked withdraws it/facilities/{id}/draw-authorizations/{authorization_id}/decisionsPOSTPropose cancellation of an unapplied reset for independent review/facilities/{id}/rate-resets/{reset}/cancellationsPOSTRecord verified notice delivery evidence/facilities/{id}/rate-resets/{reset}/deliveryPOSTRender and archive an approved rate notice/facilities/{id}/rate-resets/{reset}/noticeGETDownload the archived rate notice/facilities/{id}/rate-resets/{reset}/notice.pdfGETRead captured interest reconciliation and accounting outcome/facilities/{id}/billing-errors/{case}/interest-reconciliations/{reconciliation}POSTIndependently decide closing terms or document evidence/facilities/{id}/closings/{case}/reviews/{subject}POSTIndependently decide and execute a captured interest reconciliation/facilities/{id}/billing-errors/{case}/interest-reconciliations/{reconciliation}/decisionPOSTRecover exact interest correction and original-deposit refunds/facilities/{id}/billing-errors/{case}/interest-reconciliations/{reconciliation}/executePOSTIndependently decide and recover a captured correction/facilities/{id}/billing-errors/{case}/resolutions/{resolution}/decisionPOSTRecover an approved correction from committed ledger evidence/facilities/{id}/billing-errors/{case}/resolutions/{resolution}/executeGETDownload immutable closing evidence/facilities/{id}/closings/{case}/documents/{document}/pdf