generated: '2026-07-18'
method: derived
source: openapi/defacto-openapi-original.json
docs: https://developers.getdefacto.com/reference/financial-products
summary: Core entity-relationship graph for the Defacto financing API, derived from the OpenAPI schemas and the documented resource relationships.
entities:
- name: Borrower
  description: A company enrolled on Defacto that can request loans; created via POST /borrowers, which also opens a credit line.
  key_operations: [post_borrowers, get_borrowers, get_borrower-borrower-id]
- name: CreditLine
  description: The credit facility opened for a borrower; being superseded by FinancialProduct.
  key_operations: [get_credit-lines]
  deprecated_operations: [get_credit-line, get_credit-line-credit-line-id]
- name: FinancialProduct
  description: The product a borrower can submit loan requests against, each with its own rules and balances.
  key_operations: [get_borrower-borrower-id-financial-products]
- name: Loan
  description: A financing request against a borrower/invoice with a full repayment schedule and status machine.
  key_operations: [post_loans, get_loans, get_loan-loan-id, post_loan-loan-id-validate, post_loan-loan-id-cancel]
- name: Invoice
  description: A payable/receivable document; can be financed by a loan.
  key_operations: [post_invoices, post_invoices-upload, get_invoices, get_invoice-invoice-id, post_invoice-invoice-id-submit]
- name: Counterparty
  description: Any commercial relation (buyer/seller) of a borrower; auto-created from invoices.
  key_operations: [post_counterparties, get_counterparties, get_counterparty-counterparty-id]
- name: Card
  description: A credit card issued to a borrower.
  key_operations: [get_cards, get_cards-card-id, patch_cards-card-id-status, post_cards-card-id-ephemeral-key]
- name: Payment
  description: A payment tied to a loan repayment.
  key_operations: [get_payments, get_installments]
- name: InstallmentPlan
  description: A multi-installment repayment schedule replacing scheduled payments, used in recollection.
  key_operations: [post_installment-plans-1, get_installment-plan-installment-plan-id]
- name: RecollectionCase
  description: A debt-recovery case opened for a late debtor, holding installment plans and follow-up tasks.
  key_operations: [post_recollection-cases, get_recollection-cases, get_recollection-case-recollection-case-id]
- name: Bill
  description: A Defacto fee invoice for the loans a partner performed.
  key_operations: [get_bills, post_bill-bill-id-sent]
- name: Onboarding
  description: The borrower onboarding flow that collects financial data to evaluate eligibility.
  key_operations: [post_onboardings, get_onboarding-onboarding-id]
- name: Webhook
  description: A subscription that POSTs event notifications to a partner URL.
  key_operations: [post_webhooks, get_webhooks, patch_webhook-webhook-id, delete_webhook-webhook-id]
relationships:
- from: Borrower
  to: CreditLine
  type: has_one
  via: borrower
- from: Borrower
  to: FinancialProduct
  type: has_many
  via: borrower_id
- from: Loan
  to: Borrower
  type: belongs_to
  via: borrower
- from: Loan
  to: Invoice
  type: has_many
  via: invoice_ids
- from: Invoice
  to: Counterparty
  type: belongs_to
  via: counterparty
- from: Card
  to: Borrower
  type: belongs_to
  via: borrower
- from: Payment
  to: Loan
  type: belongs_to
  via: loan
- from: InstallmentPlan
  to: Loan
  type: has_many
  via: loan_ids
- from: RecollectionCase
  to: InstallmentPlan
  type: has_many
  via: recollection_case_id
- from: Bill
  to: Loan
  type: has_many
  via: loans