# Create freelancer credit line application

Creates a freelancer credit line application. 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.

Endpoint: POST /v1/freelancers/persons/{person_id}/credit_line_applications
Version: 1.0

## Path parameters:

  - `person_id` (string, required)
    The unique person ID, generated after completing the person onboarding process.

## Request fields (application/json):

  - `recipient_iban` (string, required)
    The IBAN of the beneficiary's account.
    Example: "DE13110101014386274299"

  - `annual_turnover` (object, required)
    The total annual income generated by the freelancer's business before deducting any expenses.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `annual_turnover.value` (integer, required)
    The amount value
    Example: 1000

  - `annual_turnover.currency` (string, required)
    The currency of the given value. Only EURO is currently supported.
    Example: "EUR"

  - `annual_turnover.unit` (string, required)
    The unit of the given value.
    Enum: "cents"

  - `monthly_net_profit` (object, required)
    The monthly net profit generated by the freelancer's business after deducting all recurring business expenses.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `monthly_private_fixed_cost` (object, required)
    The total monthly amount of private fixed costs for the freelancer. Private costs include expenses not related to the business activities, such as rent or health insurance.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `monthly_non_mortgage_credit_expense` (object, required)
    The total monthly amount of credit expenses incurred by the freelancer, excluding mortgage-related expenses.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `legal_form` (string, required)
    The legal form of the freelancer's business.
    Enum: "FREE_OCCUPATION", "COMMERCIAL_ENTERPRISE", "OTHER"

  - `foundation_date` (string, required)
    The date on which the freelancer's business was founded.
    Example: "2019-08-24"

  - `corporate_name` (string, required)
    The corporate name of the freelancer's business.

  - `tax_id` (string, required)
    The tax ID associated with the freelancer's legal entity.
    Example: "3012034567890"

  - `pre_selected_by_partner` (boolean)
    Value to be set when customer is pre selected by own risk assessment.

## Response 201 fields (application/json):

  - `id` (string, required)
    The unique ID of a freelancer credit line application.
    Example: "7d903b7483294e3b902b89097d699dbdccla"

  - `decision` (string, required)
    Solaris' decision on the credit line request.
    Enum: "OFFERED", "PENDING", "REJECTED"

  - `status` (string, required)
    The status of the credit line application.
    Enum: "credit_record_pending", "initial_scoring_pending", "account_snapshot_pending", "account_snapshot_verification_pending", "offered", "identification_creation_pending", "identification_pending", "identification_completed", "rejected", "expired", "credit_line_creation_pending", "credit_line_created"

  - `credit_line_id` (string,null)
    The unique ID of a credit line.
    Example: "c5f22b00baa845869ceb3a7d90d59bffccln"

  - `identification_id` (string,null)
    The unique identification ID of a freelancer, generated after completing the freelancer identification process.
    Example: "51462340e8653f8e2864801e8ebb4131cidt"

  - `mandate_reference_number` (string,null)
    The reference number of the mandate applicable on the credit line.
    Example: "LXD3RGLRTP6HHM"

  - `net_disposable_income` (object,null)
    The net disposable income amount available after deducting taxes and all other expenses.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `net_disposable_income.value` (integer, required)
    The amount value
    Example: 1000

  - `net_disposable_income.currency` (string, required)
    The currency of the given value. Only EURO is currently supported.
    Example: "EUR"

  - `net_disposable_income.unit` (string, required)
    The unit of the given value.
    Enum: "cents"

  - `offered_interest_rate` (number,null)
    Solaris' offered interest rate on the installment loan.
    Example: 0.11

  - `offered_limit` (object,null)
    The amount of the credit line limit offered to the freelancer.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `person_id` (string)
    The unique person ID, generated after completing the person onboarding process.
    Example: "ad8f5cefdc73035f17973fecb4fa2ebccper"

  - `reason` (string,null)
    Solaris' decision on the credit line request.

  - `recipient_iban` (string,null)
    The IBAN of the beneficiary's account.
    Example: "DE13110101014386274299"

  - `status_description` (string,null)
    The description of the credit line application's status.
    Example: "Rejected by Scorer"

## Response 400 fields (application/json):

  - `code` (string)
    Example: "build_pagination_headers_failure"

  - `detail` (string)
    Example: "Cannot connect to database."

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `status` (string)
    Example: "400"

  - `title` (string)
    Example: "Failed to build pagination headers."

## Response 403 fields (application/json):

  - `code` (string)
    Example: "unauthorized_action"

  - `detail` (string)
    Example: "Unauthorized action is not allowed."

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `status` (string)
    Example: "403"

  - `title` (string)
    Example: "Unauthorized Action"

## Response 404 fields (application/json):

  - `code` (string)
    Example: "model_not_found"

  - `detail` (string)
    Example: "Couldn't find 'Account' for id 'DE24112233445566'."

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `status` (string)
    Example: "404"

  - `title` (string)
    Example: "Model Not Found"

## Response 422 fields (application/json):

  - `errors` (array, required)

  - `errors.id` (string, required)
    A UUID, preferably the request ID

  - `errors.status` (integer, required)
    The HTTP status

  - `errors.code` (string, required)
    some_computer_friendly_string

  - `errors.title` (string, required)
    Some short human friendly string

  - `errors.detail` (string, required)
    Some human friendly-ish detail: field is required

  - `errors.backtrace` (array,null)
    Optional array of backtrace lines

  - `errors.source` (object,null)
    Optional computer-friendly error source description
    Example: {"field":"name","message":"is_required"}

  - `errors.source.field` (string, required)
    Example: "name"

  - `errors.source.message` (string, required)
    Example: "is_required"