The ID of the business applying for a fronting loan or fronting factoring.
- Retrieve business fronting loan or fronting factoring application
Fronting (1.0)
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/
Request
Creates a fronting loan or fronting factoring application and assigns it to the business with the business_id
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.
The application attributes
The requested loan amount.
The business's probability of default as scored by any credit risk service provider, e.g., Creditreform.
The business's credit score as scored by any credit risk service provider, e.g., Creditreform.
The effective annual interest rate applied to the loan.
Factoring fee
Your internal contact name for the business.
Your internal contact number for the business.
our internal reference number for the business. Acts as an idempotency key.
The score assigned to the business by your internal scoring flow.
The purpose of the loan.
The IBAN of the loan's recipient, to which the loan will be paid out.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loan_applications
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "agio": 0, "creditreform_pd": "0.10", "creditreform_score": 2, "duration": 24, "effective_interest_rate": 0.309, "factoring_fee": { "currency": "EUR", "unit": "cents", "value": 1000 }, "minimum_credit_risk_criteria": {}, "nominal_interest_rate": 0.299, "partner_contact_name": "Daniel Schmidt", "partner_contact_number": "+49345195891", "partner_reference_number": "tf2df3ceac0e384352b78cb6987d1d987", "partner_score": "AA", "purpose": "Buying office equipment, factoring of receivables, etc.", "purpose_description": "string", "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "requested_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "transaction_description": "Example transaction.", "transaction_end_to_end_id": "DDHHDHG333243" }
Application
The unique ID of the business fronting loan application.
The status of the business fronting loan application.
The business's probability of default as scored by any credit risk service provider, e.g., Creditreform.
The business's credit score as scored by any credit risk service provider, e.g., Creditreform.
Your internal reference number for the business. Acts as an idempotency key.
The score assigned to the business by your internal scoring flow.
The purpose of the loan.
The IBAN of the loan's recipient, to which the loan will be paid out.
The requested loan amount.
The effective annual interest rate applied to the loan.
The unique ID of the identification resource created for the business.
The nominal interest rate applied to the loan.
Your internal contact name for the business.
Your internal contact number for the business.
Additional information about the purpose of the loan. In case of factoring, include the invoice number and reference in this field.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
{ "agio": 0, "creditreform_pd": "0.10", "creditreform_score": 2, "duration": 24, "effective_interest_rate": 0.309, "id": "89d4eaaa73ec4a73a0b9d40fb5d9da9cbfla", "identification_id": "1063504cf74919f60ae4c806bdc9ce75bid", "minimum_credit_risk_criteria": {}, "nominal_interest_rate": 0.299, "partner_contact_name": "Daniel Schmidt", "partner_contact_number": "+49345195891", "partner_reference_number": "tf2df3ceac0e384352b78cb6987d1d987", "partner_score": "AA", "purpose": "Buying office equipment, factoring of receivables, etc.", "purpose_description": "Buying office equipment for new headquarters.", "recipient_iban": "DE92370601930002130041", "recipient_name": "Daniel Schmidt", "requested_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "status": "approved", "transaction_description": "Example transaction", "transaction_end_to_end_id": "DDHHDHG333243" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loan_applications/{application_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Application
The unique ID of the business fronting loan application.
The status of the business fronting loan application.
The business's probability of default as scored by any credit risk service provider, e.g., Creditreform.
The business's credit score as scored by any credit risk service provider, e.g., Creditreform.
Your internal reference number for the business. Acts as an idempotency key.
The score assigned to the business by your internal scoring flow.
The purpose of the loan.
The IBAN of the loan's recipient, to which the loan will be paid out.
The requested loan amount.
The effective annual interest rate applied to the loan.
The unique ID of the identification resource created for the business.
The nominal interest rate applied to the loan.
Your internal contact name for the business.
Your internal contact number for the business.
Additional information about the purpose of the loan. In case of factoring, include the invoice number and reference in this field.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
{ "agio": 0, "creditreform_pd": "0.10", "creditreform_score": 2, "duration": 24, "effective_interest_rate": 0.309, "id": "89d4eaaa73ec4a73a0b9d40fb5d9da9cbfla", "identification_id": "1063504cf74919f60ae4c806bdc9ce75bid", "minimum_credit_risk_criteria": {}, "nominal_interest_rate": 0.299, "partner_contact_name": "Daniel Schmidt", "partner_contact_number": "+49345195891", "partner_reference_number": "tf2df3ceac0e384352b78cb6987d1d987", "partner_score": "AA", "purpose": "Buying office equipment, factoring of receivables, etc.", "purpose_description": "Buying office equipment for new headquarters.", "recipient_iban": "DE92370601930002130041", "recipient_name": "Daniel Schmidt", "requested_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "status": "approved", "transaction_description": "Example transaction", "transaction_end_to_end_id": "DDHHDHG333243" }
Request
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 document_id
and document_type
in the request body. Note that you must make a separate API call for each document.
The application attributes
The unique ID of the document resource.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loan_applications/{application_id}/documents
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "document_id": "69ec2a9d8dbaf5ea1b13124098a34ea3cdoc", "document_type": "SIGNED_CONTRACT" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loan_applications/{application_id}/identification
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "identification_id": "1063504cf74919f60ae4c806bdc9ce75bid" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loan_applications/{application_id}/loan
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "settlement_account_iban": "DE07110101014503906016" }
Loan
The unique ID of a business fronting loan.
The unique ID of the business fronting loan application.
The IBAN of the loan's recipient, to which the loan will be paid out.
The effective annual interest rate applied to the loan.
The nominal interest rate applied to the loan.
The loan amount.
Your Solaris prefund account from which the full loan amount (agio + net loan amount) must be transferred to Solaris' settlement account.
Your account to which the agio is transferred.
The Solaris settlement account from which the loan amount is transferred to the business's account.
The status of the business fronting loan.
{ "agio": 0, "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "application_id": "89d4eaaa73ec4a73a0b9d40fb5d9da9cbfla", "collateral_account_iban": "DE85110101014480677574", "collection_account_iban": "DE87110101001000057123", "duration": 24, "effective_interest_rate": 0.309, "id": "13651d2f3a274e768ec6d45b036e0f14bflo", "nominal_interest_rate": 0.299, "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "settlement_account_iban": "DE07110101014503906016", "status": "payout_issued", "status_reason": "closed" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loan_applications/{application_id}/payout
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "settlement_account_iban": "DE07110101014503906016" }
Loan
The unique ID of a business fronting loan.
The unique ID of the business fronting loan application.
The IBAN of the loan's recipient, to which the loan will be paid out.
The effective annual interest rate applied to the loan.
The nominal interest rate applied to the loan.
The loan amount.
Your Solaris prefund account from which the full loan amount (agio + net loan amount) must be transferred to Solaris' settlement account.
Your account to which the agio is transferred.
The Solaris settlement account from which the loan amount is transferred to the business's account.
The status of the business fronting loan.
{ "agio": 0, "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "application_id": "89d4eaaa73ec4a73a0b9d40fb5d9da9cbfla", "collateral_account_iban": "DE85110101014480677574", "collection_account_iban": "DE87110101001000057123", "duration": 24, "effective_interest_rate": 0.309, "id": "13651d2f3a274e768ec6d45b036e0f14bflo", "nominal_interest_rate": 0.299, "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "settlement_account_iban": "DE07110101014503906016", "status": "payout_issued", "status_reason": "closed" }
Attributes required for a payout
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
SEPA identifier (provided by the end customer who initiated the SEPA transaction), routed through the whole payment process. (Max 35 characters without whitespace).
The IBAN of the recipient of the loan payout.
The amount of the partial loan payout.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loans/{loan_id}/payouts
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "recipient_iban": "DE15100100100003404109", "recipient_name": "Daniel Schmidt", "tag": "INITIAL_PAYOUT", "transaction_description": "Example transaction.", "transaction_end_to_end_id": "DDHHDHG333243" }
Payout
The unique ID of a business fronting loan's payout.
The unique ID of the business fronting loan.
The IBAN of the loan payout's recipient.
The tag of the business fronting loan's payout.
The status of the business fronting loan's payout.
The amount of the loan payout.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
{ "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "id": "963347398e47416c9df216a63ef035c2bflp", "loan_id": "29e1a05906954ce082ec779d81de8c1ebflo", "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "status": "transfers_pending", "tag": "INITIAL_PAYOUT", "transaction_description": "Example transaction.", "transaction_end_to_end_id": "DDHHDHG333243" }
Request
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.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loans/{loan_id}/payouts/{payout_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Payout
The unique ID of a business fronting loan's payout.
The unique ID of the business fronting loan.
The IBAN of the loan payout's recipient.
The tag of the business fronting loan's payout.
The status of the business fronting loan's payout.
The amount of the loan payout.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
{ "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "id": "963347398e47416c9df216a63ef035c2bflp", "loan_id": "29e1a05906954ce082ec779d81de8c1ebflo", "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "status": "transfers_pending", "tag": "INITIAL_PAYOUT", "transaction_description": "Example transaction.", "transaction_end_to_end_id": "DDHHDHG333243" }
Request
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.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loans/{loan_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Loan
The unique ID of a business fronting loan.
The unique ID of the business fronting loan application.
The IBAN of the loan's recipient, to which the loan will be paid out.
The effective annual interest rate applied to the loan.
The nominal interest rate applied to the loan.
The loan amount.
Your Solaris prefund account from which the full loan amount (agio + net loan amount) must be transferred to Solaris' settlement account.
Your account to which the agio is transferred.
The Solaris settlement account from which the loan amount is transferred to the business's account.
The status of the business fronting loan.
{ "agio": 0, "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "application_id": "89d4eaaa73ec4a73a0b9d40fb5d9da9cbfla", "collateral_account_iban": "DE85110101014480677574", "collection_account_iban": "DE87110101001000057123", "duration": 24, "effective_interest_rate": 0.309, "id": "13651d2f3a274e768ec6d45b036e0f14bflo", "nominal_interest_rate": 0.299, "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "settlement_account_iban": "DE07110101014503906016", "status": "payout_issued", "status_reason": "closed" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loans/{loan_id}/terminate
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loans_business_relationship
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Business relationship
The status of the business relationship.
The date when the business relationship was created.
The date when the business relationship was last updated.
The date when the business was off-boarded.
{ "business_id": "880bbac68a34add190786b9c74f4c82fcbiz", "created_at": "2020-20-03T18:01:48.000Z", "offboarded_at": "2022-20-03T18:01:48.000Z", "status": "closed", "status_reason": "offboarded_by_partner", "updated_at": "2021-20-03T18:01:48.000Z" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/businesses/{business_id}/fronting_loans_business_relationship/close
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload