openapi: 3.2.0 info: title: Opendata SME API description: Open Data API V2.2 for Danske Bank version: 4.3.3 x-db-template-version: 1.0.0 servers: - description: prod Environment url: https://obp-data.danskebank.com/v2.2 tags: - name: SME paths: /unsecured-sme-loans: get: tags: - SME summary: Gets a list of all Unsecured SME Lending objects description: Gets a list of all Unsecured SME Lending objects parameters: - name: If-Modified-Since in: query schema: type: string - name: If-None-Match in: query schema: type: string responses: '200': description: 200 OK content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/UnsecuredSmeLoansResponse' example: meta: LastUpdated: 2025-08-11T16:00:20.201+0100 TotalResults: 1 Agreement: Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions License: https://www.openbanking.org.uk/open-licence TermsOfUse: https://www.openbanking.org.uk/terms-conditions data: - BrandName: DanskeBank SMELoan: - Name: Variable Rate Business Loan Identification: 43F Segment: - FlexibleBusinessLoan SMELoanMarketingState: - Identification: 43F MarketingState: Regular FirstMarketedDate: 01/01/1900 LastMarketedDate: 31/12/9999 LoanInterest: LoanInterestTierBandSet: - TierBandMethod: Whole Identification: 43F-25K CalculationMethod: Compound LoanInterestTierBand: - TierValueMinimum: '0' TierValueMaximum: '5000' TierValueMinTerm: 1 MinTermPeriod: Year TierValueMaxTerm: 1 MaxTermPeriod: Year FixedVariableInterestRateType: Variable RepAPR: '17.00' LoanProviderInterestRateType: BOEBaseRate LoanProviderInterestRate: '11.00' Notes: - Total Cost of Credit 5428.91 GBP Repayment: - RepaymentType: CapitalAndInterest RepaymentFrequency: Monthly AmountType: CapitalAndInterest RepaymentFeeCharges: RepaymentFeeChargeDetail: - FeeType: Arrangement FeeAmount: '125' ApplicationFrequency: OnOpening CalculationFrequency: OnOpening Eligibility: IDEligibility: Notes: - Sole traders/Partnerships - both individuals and business name are id checked CreditCheckEligibility: ScoringType: Hard Notes: - Experian Credit Check CoreProduct: ProductDescription: The Variable Rate Business Loan gives you the flexibility to choose the repayment frequency and adjust the payments to suit your cash flow.££ ProductURL: https://danskebank.co.uk/business/products-and-services/loans-and-credit/variable-rate-business-loan TcsAndCsURL: https://danskebank.co.uk/business SalesAccessChannels: - Branch - RelationshipManager ServicingAccessChannels: - Branch - CallCentre - Post EarlyPaymentFeeApplicable: false OverPaymentFeeApplicable: false LoanApplicationFeeChargeType: NoLoanApplicationFee OverpaymentAllowedIndicator: true FullEarlyRepaymentAllowedIndicator: true '400': description: Bad request content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 400 message: Bad request detail: You have sent a request which could not be understood '408': description: Client timeout content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 408 message: Client timeout detail: Your client has failed to submit a request, and a timeout has occurred '429': description: Too many requests content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 429 message: Too many requests detail: You have requested this resource too often, slow down '500': description: Internal Server Error content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 500 message: Internal Server Error detail: Failed to retrieve unsecured SME loans '503': description: Service temporarily unavailable content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 503 message: Service temporarily unavailable detail: The service is temporarily unavailable head: tags: - SME summary: Gets header information on the current set of Unsecured SME Lending data description: Gets header information on the current set of Unsecured SME Lending data parameters: - name: If-Modified-Since in: query schema: type: string - name: If-None-Match in: query schema: type: string responses: '200': description: 200 OK content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/UnsecuredSmeLoansResponse' example: meta: LastUpdated: 2025-08-11T16:00:20.201+0100 TotalResults: 1 Agreement: Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions License: https://www.openbanking.org.uk/open-licence TermsOfUse: https://www.openbanking.org.uk/terms-conditions data: - BrandName: DanskeBank SMELoan: - Name: Variable Rate Business Loan Identification: 43F Segment: - FlexibleBusinessLoan SMELoanMarketingState: - Identification: 43F MarketingState: Regular FirstMarketedDate: 01/01/1900 LastMarketedDate: 31/12/9999 LoanInterest: LoanInterestTierBandSet: - TierBandMethod: Whole Identification: 43F-25K CalculationMethod: Compound LoanInterestTierBand: - TierValueMinimum: '0' TierValueMaximum: '5000' TierValueMinTerm: 1 MinTermPeriod: Year TierValueMaxTerm: 1 MaxTermPeriod: Year FixedVariableInterestRateType: Variable RepAPR: '17.00' LoanProviderInterestRateType: BOEBaseRate LoanProviderInterestRate: '11.00' Notes: - Total Cost of Credit 5428.91 GBP Repayment: - RepaymentType: CapitalAndInterest RepaymentFrequency: Monthly AmountType: CapitalAndInterest RepaymentFeeCharges: RepaymentFeeChargeDetail: - FeeType: Arrangement FeeAmount: '125' ApplicationFrequency: OnOpening CalculationFrequency: OnOpening Eligibility: IDEligibility: Notes: - Sole traders/Partnerships - both individuals and business name are id checked CreditCheckEligibility: ScoringType: Hard Notes: - Experian Credit Check CoreProduct: ProductDescription: The Variable Rate Business Loan gives you the flexibility to choose the repayment frequency and adjust the payments to suit your cash flow.££ ProductURL: https://danskebank.co.uk/business/products-and-services/loans-and-credit/variable-rate-business-loan TcsAndCsURL: https://danskebank.co.uk/business SalesAccessChannels: - Branch - RelationshipManager ServicingAccessChannels: - Branch - CallCentre - Post EarlyPaymentFeeApplicable: false OverPaymentFeeApplicable: false LoanApplicationFeeChargeType: NoLoanApplicationFee OverpaymentAllowedIndicator: true FullEarlyRepaymentAllowedIndicator: true '400': description: Bad request content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 400 message: Bad request detail: You have sent a request which could not be understood '408': description: Client timeout content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 408 message: Client timeout detail: Your client has failed to submit a request, and a timeout has occurred '429': description: Too many requests content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 429 message: Too many requests detail: You have requested this resource too often, slow down '500': description: Internal Server Error content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 500 message: Internal Server Error detail: Failed to retrieve unsecured SME loans (HEAD) '503': description: Service temporarily unavailable content: application/prs.openbanking.opendata.v2.2+json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error code: 503 message: Service temporarily unavailable detail: The service is temporarily unavailable components: schemas: UnsecuredSmeLoansResponse: type: object properties: meta: $ref: '#/components/schemas/Meta' data: type: array items: type: object properties: BrandName: type: string SMELoan: type: array items: type: object properties: Name: type: string Identification: type: string Segment: type: array items: type: string SMELoanMarketingState: type: array items: type: object properties: Identification: type: string MarketingState: type: string FirstMarketedDate: type: string LastMarketedDate: type: string LoanInterest: type: object properties: LoanInterestTierBandSet: type: array items: type: object properties: TierBandMethod: type: string Identification: type: string CalculationMethod: type: string LoanInterestTierBand: type: array items: type: object properties: TierValueMinimum: type: string TierValueMaximum: type: string TierValueMinTerm: type: integer MinTermPeriod: type: string TierValueMaxTerm: type: integer MaxTermPeriod: type: string FixedVariableInterestRateType: type: string RepAPR: type: string LoanProviderInterestRateType: type: string LoanProviderInterestRate: type: string Notes: type: array items: type: string Repayment: type: array items: type: object properties: RepaymentType: type: string RepaymentFrequency: type: string AmountType: type: string RepaymentFeeCharges: type: object properties: RepaymentFeeChargeDetail: type: array items: type: object properties: FeeType: type: string FeeAmount: type: string ApplicationFrequency: type: string CalculationFrequency: type: string Eligibility: type: object properties: IDEligibility: type: object properties: Notes: type: array items: type: string CreditCheckEligibility: type: object properties: ScoringType: type: string Notes: type: array items: type: string CoreProduct: type: object properties: ProductDescription: type: string ProductURL: type: string format: uri TcsAndCsURL: type: string format: uri SalesAccessChannels: type: array items: type: string ServicingAccessChannels: type: array items: type: string EarlyPaymentFeeApplicable: type: boolean OverPaymentFeeApplicable: type: boolean LoanApplicationFeeChargeType: type: string OverpaymentAllowedIndicator: type: boolean FullEarlyRepaymentAllowedIndicator: type: boolean required: - meta - data ErrorResponse: type: object properties: status: type: string code: type: integer message: type: string detail: type: string required: - status - code - message - detail Meta: type: object properties: LastUpdated: type: string format: date-time TotalResults: type: integer Agreement: type: string License: type: string format: uri TermsOfUse: type: string format: uri securitySchemes: clientIdHeader: type: apiKey name: X-IBM-Client-Id in: header clientSecretHeader: type: apiKey description: BC2702Z name: X-IBM-Client-Secret in: header