---
title: "Create Freelancer Overdraft Application"
method: POST
path: "/v1/persons/{person_id}/overdraft_applications"
tags: ["Freelancer Overdrafts"]
---

# Create Freelancer Overdraft Application

`POST /v1/persons/{person_id}/overdraft_applications`

Creates a freelancer overdraft application and assigns it to the `person` with the given `person_id` in the path parameter. Before calling this endpoint, you need to create a credit record for the customer and include it in the payload. Afterwards, Solaris' credit scoring system assesses the application to determine the person credit eligibility and either approves or rejects the application.

## Path parameters

- `person_id` string, required

## Request body

- OverdraftWebCreateApplicationRequest — Exact list of required attributes depends on product configuration
  - `partner_risk_class` string — The risk class assigned to a freelancer by the partner.
  - `partner_reference_number` string — The partner's reference number.
  - `partner_contact_number` string — The number of the partner's contact person.
  - `partner_contact_name` string — The name of the partner's contact person.
  - `credit_record_id` string — The unique ID of a credit record, generated after creating a freelancer credit record.

## Response `201`

Application

- OverdraftWebFreelancerGetOverdraftApplicationResponse
  - `status` 'initial_scoring_pending' | 'account_snapshot_pending' | 'account_snapshot_verification_pending' | 'offered' | 'rejected' | 'expired' | 'deleted' | 'overdraft_created', required — The status of a freelancer overdraft application.
  - `rejection_reasons` string[], nullable — The reason(s) for rejecting an overdraft application.
  - `person_id` string, required — The unique person ID, generated after completing the person onboarding process.
  - `partner_risk_class` string, nullable — The risk class assigned to a freelancer by the partner.
  - `partner_reference_number` string, nullable — The partner's reference number.
  - `partner_contact_number` string, nullable — The number of the partner's contact person.
  - `partner_contact_name` string, nullable — The name of the partner's contact person.
  - `overdraft_rate` number — The interest rate applicable to the overdraft.
  - `overdraft_id` string, nullable — The unique ID of a freelancer overdraft, generated after an overdraft is offered.
  - `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.
  - `interest_conditions_enabled` boolean
  - `interest_accrual_rate` number — The daily rate at which interest is accrued on the used amount of an overdraft.
  - `id` string, required — The unique ID of a freelancer overdraft application.
  - `decision` 'REJECTED' | 'OFFERED', nullable — Solaris' decision on the overdraft application.
  - `credit_record_id` string, nullable — The unique ID of a credit record, generated after creating a freelancer credit record.
  - `created_at` string, datetime, required — The date and time the freelancer overdraft application was created.
  - `account_snapshot_id` string, nullable — The unique ID of an account snapshot of a specific person account.

## Other responses

- `400` — Invalid request
- `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)