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latestOpenAPI 3.0.02026-08-102633113.7 KB

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Business Overdrafts

Create Business Overdraft Application

Creates a business overdraft application and assigns it to the business with the given business_id in the path parameter. You have to include the identification_id and the account_iban of the business in the payload. Afterwards, Solaris' credit scoring system assesses the application to determine the business credit eligibility and either approves or rejects the application.

post/v1/businesses/{business_id}/overdraft_applications

Path parameters

business_idstring required

The unique business ID, generated after completing the business onboarding process.

Request body

identification_idstring required

The unique identification ID of a business, generated after completing the business identification process.

account_ibanstring required

The IBAN of a business account.

Example request

{
  "identification_id": "1bb49f9dec3a57ae69ad3c3183316c9dcidt",
  "account_iban": "DE13110101014386274299"
}

Response

Application

status'scoring_pending' | 'offered' | 'rejected' | 'canceled' | 'confirmed' | 'limit_increase_decision_pending' | 'information_required' required

The status of a business overdraft application.

overdraft_idstring nullable

The unique ID of a business overdraft, generated after an overdraft is offered.

limit_increase_rejection_reasonstring nullable

The reason(s) for rejecting a limit increase request.

identification_idstring required

The unique identification ID of a business, generated after completing the business identification process.

idstring required

The unique ID of a business overdraft application.

created_atstring datetime required

The date and time the business overdraft application was created.

business_idstring required

The unique business ID, generated after completing the business onboarding process.

account_ibanstring required

The IBAN of a business account.

Example response

{
  "status": "scoring_pending",
  "overdraft_id": "00556cd181f2409aaa6c2a033cce3a8fbovd",
  "initial_overdraft_limit": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "identification_id": "1bb49f9dec3a57ae69ad3c3183316c9dcidt",
  "id": "fdsdefghijklmnopqrstuvwxyz012346boap",
  "final_overdraft_limit": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "created_at": "2021-08-03T18:01:48.000Z",
  "business_id": "880bbac68a34add190786b9c74f4c82fcbiz",
  "account_iban": "DE13110101014386274299"
}