---
title: "Create Business Overdraft Application"
method: POST
path: "/v1/businesses/{business_id}/overdraft_applications"
tags: ["Business Overdrafts"]
---

# Create Business Overdraft Application

`POST /v1/businesses/{business_id}/overdraft_applications`

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.

## Path parameters

- `business_id` string, required

## Request body

- OverdraftWebBusinessCreateApplicationRequest
  - `identification_id` string, required — The unique identification ID of a business, generated after completing the business identification process.
  - `account_iban` string, required — The IBAN of a business account.

## Response `201`

Application

- OverdraftWebBusinessGetOverdraftApplicationResponse
  - `status` 'scoring_pending' | 'offered' | 'rejected' | 'canceled' | 'confirmed' | 'limit_increase_decision_pending' | 'information_required', required — The status of a business overdraft application.
  - `overdraft_id` string, nullable — The unique ID of a business overdraft, generated after an overdraft is offered.
  - `limit_increase_rejection_reason` string, nullable — The reason(s) for rejecting a limit increase request.
  - `initial_overdraft_limit` SolarisToolkitWebMoneyOptional
    - `value` integer, required — The amount value
    - `unit` 'cents', required — The unit of the given value.
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
  - `identification_id` string, required — The unique identification ID of a business, generated after completing the business identification process.
  - `id` string, required — The unique ID of a business overdraft application.
  - `final_overdraft_limit` SolarisToolkitWebMoneyOptional
    - `value` integer, required — The amount value
    - `unit` 'cents', required — The unit of the given value.
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
  - `created_at` string, datetime, required — The date and time the business overdraft application was created.
  - `business_id` string, required — The unique business ID, generated after completing the business onboarding process.
  - `account_iban` string, required — The IBAN of a business account.

## Other responses

- `400` — Invalid request
- `403` — Forbidden
- `404` — Not Found

---

[API](https://skmtc.net/solarisgroup/apis/overdrafts.md) · [All operations](https://skmtc.net/solarisgroup/apis/overdrafts/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/overdrafts/revisions/ab5ecf64ab87/schema)