# Fronting Version: 1.0 ## Servers Sandbox ``` https://api.solaris-sandbox.de ``` Production ``` https://api.solarisbank.de ``` ## Download OpenAPI description [Fronting](https://docs.solarisgroup.com/_spec/api-reference/lending/fronting.yaml) ## Consumer fronting ### Create consumer fronting loan application - [POST /v1/consumers/persons/{person_id}/fronting_loan_applications](https://docs.solarisgroup.com/api-reference/lending/fronting/consumer-fronting/frontingloansweb.v1.consumer.application.createoperation.md): Creates a consumer fronting loan application and assigns it to the person with the person_id specified in the request URL. The payload of this endpoint includes all the required financial information and account data about the customer, which the credit scorer uses to initiate a series of credit checks to determine the customer's credit risk and eligibility. ### Retrieve consumer fronting loan application - [GET /v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}](https://docs.solarisgroup.com/api-reference/lending/fronting/consumer-fronting/frontingloansweb.v1.consumer.applications.showoperation.md): Returns the current status and details of an existing consumer fronting loan application. Alternatively, you can subscribe to the webhook event CONSUMER_FRONTING_APPLICATION to receive status updates on the application. ### Link an account snapshot to a consumer fronting loan application - [PUT /v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/account_snapshot](https://docs.solarisgroup.com/api-reference/lending/fronting/consumer-fronting/frontingloansweb.v1.consumer.applications.linkaccountsnapshotoperation.md): Links a customer's account snapshot to their fronting loan application. You must include the account_snapshot_id in the payload of this endpoint. After the account snapshot is linked to the loan application, the application status transitions to scoring_pending. ### Link a customer identification origination to a consumer fronting loan application - [PUT /v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/identification](https://docs.solarisgroup.com/api-reference/lending/fronting/consumer-fronting/frontingloansweb.v1.consumer.applications.linkidentificationoperation.md): Links the identification origination resource created for a customer to their fronting loan application. You must add the person_id and the application_id in the request URL and add the identification_origination_id in the request body. ### Trigger loan payout for a consumer fronting loan application - [POST /v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/payout](https://docs.solarisgroup.com/api-reference/lending/fronting/consumer-fronting/frontingloansweb.v1.consumer.applications.payoutoperation.md): Triggers the loan payout process to the respective customer. You must add the settlement_account_iban in the request body, which is a Solaris account, from which the loan amount is transferred to the customer's account. ### Retrieve consumer fronting loan - [GET /v1/consumers/persons/{person_id}/fronting_loans/{loan_id}](https://docs.solarisgroup.com/api-reference/lending/fronting/consumer-fronting/frontingloansweb.v1.consumer.loans.showoperation.md): Returns all the details and status of an existing consumer fronting loan assigned to the person with the given person_id in the request URL. ### Update a consumer fronting loan applications - [PATCH /v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/recipient_account](https://docs.solarisgroup.com/api-reference/lending/fronting/consumer-fronting/frontingloansweb.v1.consumer.applications.updaterecipientaccountoperation.md) ## Business fronting ### Create business fronting loan or fronting factoring application - [POST /v1/businesses/{business_id}/fronting_loan_applications](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.applications.createoperation.md): Creates a fronting loan or fronting factoring application and assigns it to the business with the specified in the request URL. The payload of this endpoint includes all the required financial information and account data about the business, which the credit scorer uses to initiate a series of credit checks to determine the business's credit risk and eligibility. ### Retrieve business fronting loan or fronting factoring application - [GET /v1/businesses/{business_id}/fronting_loan_applications/{application_id}](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.applications.showoperation.md): Returns the current status and details of an existing business fronting loan or fronting factoring application. Additionally, subscribe to the webhook event to receive status updates on the application. ### Link a document to a business fronting loan or fronting factoring application - [PUT /v1/businesses/{business_id}/fronting_loan_applications/{application_id}/documents](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.applications.linkdocumentoperation.md): Links a document resource to a business fronting loan or fronting factoring application. Use this endpoint to upload the required documents for a fronting loan or fronting factoring, such as signed contracts, credit risk reports, or invoices. You must add the and in the request body. Note that you must make a separate API call for each document. ### Link an identification resource to a business fronting loan or fronting factoring application - [PUT /v1/businesses/{business_id}/fronting_loan_applications/{application_id}/identification](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.applications.linkidentificationoperation.md): Links a business identification resource to their fronting loan or fronting factoring application. Afterward, the business must complete the BKYC process successfully to move forward with the application. You must add the in the request body. ### Triggers the creation of a loan for a business fronting loan or fronting factoring application - [PUT /v1/businesses/{business_id}/fronting_loan_applications/{application_id}/loan](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.applications.loancreateoperation.md): Triggers the loan creation process for the respective business application, without triggering the loan payout itself. You must add the in the request body, which is a Solaris account, from which the loan amount is transferred to the business's account. ### Trigger the loan payout for a business fronting loan application - [POST /v1/businesses/{business_id}/fronting_loan_applications/{application_id}/payout](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.applications.payoutoperation.md): Triggers the loan payout process to the respective business account. You must add the in the request body, which is a Solaris account, from which the loan amount is transferred to the business's account. ### (Factoring only) Trigger a partial loan payout for a business fronting factoring - [POST /v1/businesses/{business_id}/fronting_loans/{loan_id}/payouts](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.loans.payouts.createoperation.md): Triggers a partial loan payout related to a business fronting factoring application. The loan payout is used to purchase receivables in multiple partial payouts. You must add the required transaction details in the request body. ### Retrieve business fronting loan's payout - [GET /v1/businesses/{business_id}/fronting_loans/{loan_id}/payouts/{payout_id}](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.loans.payouts.showoperation.md): Returns the details of a loan's payout related to a fronting loan or fronting factoring, assigned to the business with the business_id and loan_id specified in the request URL. Additionally, subscribe to the webhook event BUSINESS_FRONTING_PAYOUT_UPDATE to receive status updates about the payout. ### Retrieve business fronting loan - [GET /v1/businesses/{business_id}/fronting_loans/{loan_id}](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.loans.showoperation.md): Returns all the details of an existing business fronting loan, assigned to the customer with the business_id specified in the request URL. Additionally, subscribe to the webhook event BUSINESS_FRONTING_LOAN_PAYOUT to receive status updates about the loan. ### Terminate a business fronting loan - [POST /v1/businesses/{business_id}/fronting_loans/{loan_id}/terminate](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.loans.terminateoperation.md): Terminates a business fronting loan. ### Retrieve the details of the business relationship with a customer - [GET /v1/businesses/{business_id}/fronting_loans_business_relationship](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.relationship.showoperation.md): Returns the details of an existing business relationship with the customer with the specified in the request URL. Additionally, subscribe to the webhook event BUSINESS_FRONTING_RELATIONSHIP_STATUS_CHANGED to receive status updates about changes to the business relationship. ### Terminate the business relationship with a customer - [POST /v1/businesses/{business_id}/fronting_loans_business_relationship/close](https://docs.solarisgroup.com/api-reference/lending/fronting/business-fronting/frontingloansweb.v1.business.relationship.closeoperation.md): Terminates the business relationship with the customer with the specified in the request URL and sets the to .