Create a loan

POST/loans

Apply for a loan (underwritten at once)

Headers

Idempotency-KeystringOptional

Send on every write that creates or changes money or state; a replay with the same key returns the original result with 200.

Body parameters

credit_scoreintegerRequired

customer_idstringRequired

Example cust_2tVh8nqLxq4GbDe0K1F6S9zRcWm

disbursement_account_idstringRequired

Example acct_2tVh8nqLxq4GbDe0K1F6S9zRcWm

escrow_monthly_amountintegerOptional

guaranteeobject or nullOptional

Guarantee is a government guarantee on a loan or facility.

3 child attributes

guaranteed_bpsintegerRequired

numberstringOptional

programstringRequired

Sba_7a, sba_504, usda

monthly_debt_amountintegerRequired

monthly_income_amountintegerRequired

principal_amountintegerRequired

product_codestringRequired

purposestringOptional

syndicateobject or nullOptional

Syndicate is the bank's share of a syndicated credit.

4 child attributes

agentstringRequired

our_share_bpsintegerRequired

referencestringOptional

total_commitment_amountintegerRequired

term_monthsintegerRequired

Returns

201 Created

The Loan object.

Errors

Every error is a problem document with a stable code. See Errors.

400401403404409412413422424429500503

Request

curl -X POST 'https://api.dev.bank.corgi.com/loans' \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{
    "credit_score": 0,
    "customer_id": "cust_2tVh8nqLxq4GbDe0K1F6S9zRcWm",
    "disbursement_account_id": "acct_2tVh8nqLxq4GbDe0K1F6S9zRcWm",
    "monthly_debt_amount": 10000,
    "monthly_income_amount": 10000,
    "principal_amount": 10000,
    "product_code": "string",
    "term_months": 0
  }'

Response201

{
  "accrued_interest": "string",
  "accrued_posted_amount": 10000,
  "annual_rate_bps": 0,
  "annual_rate_nanos": 0,
  "bucket": "string",
  "charged_off_amount": 10000,
  "charged_off_at": "2026-09-17T14:30:00Z",
  "customer_id": "cust_2tVh8nqLxq4GbDe0K1F6S9zRcWm",
  "day_count": "string",
  "days_past_due": 0,
  "decision": {
    "decided_at": "2026-09-17T14:30:00Z",
    "decided_by": "string",
    "dti_bps": 0,
    "outcome": "string",
    "payment_amount": 10000,
    "rate_bps": 0,
    "reasons": [
      "string"
    ],
    "review_reasons": [
      "string"
    ]
  },
  "escrow_balance_amount": 10000,
  "escrow_monthly_amount": 10000,
  "fees_due_amount": 10000,
  "first_due": "2026-09-17",
  "guarantee": {
    "guaranteed_bps": 0,
    "number": "string",
    "program": "string"
  },
  "id": "loan_2tVh8nqLxq4GbDe0K1F6S9zRcWm",
  "lead_bank": "string",
  "ledger_account_id": "lacc_2tVh8nqLxq4GbDe0K1F6S9zRcWm",
  "nonaccrual_at": "2026-09-17T14:30:00Z",
  "outstanding_amount": 10000,
  "participations_sold_amount": 10000,
  "principal_amount": 10000,
  "product_code": "string",
  "product_version": 0,
  "recovered_amount": 10000,
  "restored_at": "2026-09-17T14:30:00Z",
  "status": "string",
  "syndicate": {
    "agent": "string",
    "our_share_bps": 0,
    "reference": "string",
    "total_commitment_amount": 10000
  },
  "term_months": 0
}