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Freelancer Credit Line

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.

post/v1/freelancers/persons/{person_id}/credit_line_applications

Path parameters

person_idstring required

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

Request body

corporate_namestring required

The corporate name of the freelancer's business.

foundation_datestring date required

The date on which the freelancer's business was founded.

legal_form'FREE_OCCUPATION' | 'COMMERCIAL_ENTERPRISE' | 'OTHER' required

The legal form of the freelancer's business.

pre_selected_by_partnerboolean

Value to be set when customer is pre selected by own risk assessment.

recipient_ibanstring required

The IBAN of the beneficiary's account.

tax_idstring required

The tax ID associated with the freelancer's legal entity.

Example request

{
  "annual_turnover": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "foundation_date": "2019-08-24",
  "legal_form": "FREE_OCCUPATION",
  "monthly_net_profit": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "monthly_non_mortgage_credit_expense": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "monthly_private_fixed_cost": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "recipient_iban": "DE13110101014386274299",
  "tax_id": "3012034567890"
}

Response

Application

credit_line_idstring nullable

The unique ID of a credit line.

decision'OFFERED' | 'PENDING' | 'REJECTED' required

Solaris' decision on the credit line request.

idstring required

The unique ID of a freelancer credit line application.

identification_idstring nullable

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

mandate_reference_numberstring nullable

The reference number of the mandate applicable on the credit line.

offered_interest_ratenumber nullable

Solaris' offered interest rate on the installment loan.

person_idstring

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

reasonstring nullable

Solaris' decision on the credit line request.

recipient_ibanstring nullable

The IBAN of the beneficiary's account.

status'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' required

The status of the credit line application.

status_descriptionstring nullable

The description of the credit line application's status.

Example response

{
  "credit_line_id": "c5f22b00baa845869ceb3a7d90d59bffccln",
  "decision": "REJECTED",
  "id": "7d903b7483294e3b902b89097d699dbdccla",
  "identification_id": "51462340e8653f8e2864801e8ebb4131cidt",
  "mandate_reference_number": "LXD3RGLRTP6HHM",
  "net_disposable_income": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "offered_interest_rate": 0.11,
  "offered_limit": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "person_id": "ad8f5cefdc73035f17973fecb4fa2ebccper",
  "recipient_iban": "DE13110101014386274299",
  "status": "rejected",
  "status_description": "Rejected by Scorer"
}