---
title: "Create a receivable"
method: POST
path: "/creditors/{creditor_id}/receivables"
tags: ["Receivables"]
---

# Create a receivable

`POST /creditors/{creditor_id}/receivables`

## Path parameters

- `creditor_id` string, required — An object id with prefix

## Headers

- `IdempotencyKey` string — A unique key per operation, could be V4 UUID or other high‑entropy random string. Keys can be up to 255 characters. See [Idempotent Requests](/docs/idempotent-requests).

## Request body

- object
  - `debtor_id` string, required — The debtor (account) associated with this receivable
  - `program_id` string, required — The program this receivable is associated with
  - `origination_date` string, date, required — The date on which this receivable was originated
  - `currency` string, required — ISO 4217 currency code for all monetary amounts on this receivable
  - `credit_type` 'term_loan' | 'line_of_credit' | 'buy_now_pay_later' | 'credit_card' | 'invoice_factoring' | 'revenue_based_financing' | 'earned_wage_access' | 'leasing', required — The type of credit extended to the debtor
  - `funded_by` 'sivo' | 'balance_sheet' | 'other', required — Indicates whether this receivable is funded by sivo, your own balance sheet, or a third party capital source
  - `delinquent_days` integer, required — Number of days that have passed since the due date for overdue payments. Set to zero if not overdue.
  - `delinquent_amount` integer, required — Total amount that is currently overdue. Set to zero if not overdue.
  - `delinquent_times` integer, required — Number of times this receivable has had overdue payments. Set to zero if it never has.
  - `origination_fee` integer — The origination fee that was charged to the debtor
  - `periodic_fee` object — Periodic fees paid by the debtor
    - `cycle_type` string, required — How often the debtor pays this fee, e.g. "1 month" or "2 weeks"
    - `amount` integer, required — Fee amount that is paid by the debtor on each period
  - `collateral` 'cash' | 'vehicle' | 'equipment' | 'all_business_assets' | 'receivables' | 'residential_property' | 'commercial_property' | 'other' — The type of collateral used to secure this receivable. Leave empty if unsecured.
  - `term` string — The term for this receivable, e.g. "12 months". Leave empty for revolving credit.
  - `interest_rate` number — The annual interest rate charged on outstanding principal
  - `credit_limit` integer — For receivables allowing multiple draws (e.g. credit cards, lines of credit), the credit limit
  - `payment_frequency` string — How often payments are expected from the debtor, e.g. "1 month"
  - `metadata` object — Additional custom data associated with this receivable
  - `fund_name` string — The name of the third party capital source. Should only be set when `funded_by` is `other`.

## Response `200`

Successful operation

- object
  - `debtor_id` string, required — The debtor (account) associated with this receivable
  - `program_id` string, required — The program this receivable is associated with
  - `origination_date` string, date, required — The date on which this receivable was originated
  - `currency` string, required — ISO 4217 currency code for all monetary amounts on this receivable
  - `credit_type` 'term_loan' | 'line_of_credit' | 'buy_now_pay_later' | 'credit_card' | 'invoice_factoring' | 'revenue_based_financing' | 'earned_wage_access' | 'leasing', required — The type of credit extended to the debtor
  - `funded_by` 'sivo' | 'balance_sheet' | 'other', required — Indicates whether this receivable is funded by sivo, your own balance sheet, or a third party capital source
  - `delinquent_days` integer, required — Number of days that have passed since the due date for overdue payments. Set to zero if not overdue.
  - `delinquent_amount` integer, required — Total amount that is currently overdue. Set to zero if not overdue.
  - `delinquent_times` integer, required — Number of times this receivable has had overdue payments. Set to zero if it never has.
  - `origination_fee` integer — The origination fee that was charged to the debtor
  - `periodic_fee` object — Periodic fees paid by the debtor
    - `cycle_type` string, required — How often the debtor pays this fee, e.g. "1 month" or "2 weeks"
    - `amount` integer, required — Fee amount that is paid by the debtor on each period
  - `collateral` 'cash' | 'vehicle' | 'equipment' | 'all_business_assets' | 'receivables' | 'residential_property' | 'commercial_property' | 'other' — The type of collateral used to secure this receivable. Leave empty if unsecured.
  - `term` string — The term for this receivable, e.g. "12 months". Leave empty for revolving credit.
  - `interest_rate` number — The annual interest rate charged on outstanding principal
  - `credit_limit` integer — For receivables allowing multiple draws (e.g. credit cards, lines of credit), the credit limit
  - `payment_frequency` string — How often payments are expected from the debtor, e.g. "1 month"
  - `metadata` object — Additional custom data associated with this receivable
  - `fund_name` string — The name of the third party capital source. Should only be set when `funded_by` is `other`.
  - `id` string, required — An object id with prefix
  - `created_at` string, date-time, required — Creation date and time
  - `created_by` string, required — ID of the user that created this object
  - `updated_at` string, date-time, required — Last update date and time
  - `updated_by` string, required — ID of the user that last updated this object

---

[API](https://skmtc.net/sivo/apis/sivo-advance-api.md) · [All operations](https://skmtc.net/sivo/apis/sivo-advance-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/sivo/sivo-advance-api/versions/bfbcd2bfed61/schema)