openapi: 3.0.0
info:
  title: Defacto Accounting Eligibility and credit limit API
  version: v1.0.0
  description: Defacto provides instant, embedded financing for SMBs across Europe. This REST API lets partners onboard borrowers, test eligibility and credit limits, upload business/bank data, create invoices, request and manage loans, handle repayments and recollection, issue and manage credit cards, bill fees, and subscribe to webhooks. Reconstructed by API Evangelist from the per-operation OpenAPI fragments published on Defacto's ReadMe developer portal (developers.getdefacto.com/llms.txt). operationId values are the provider's ReadMe reference slugs; summaries are the reference page titles.
  contact:
    email: contact@getdefacto.com
    url: https://developers.getdefacto.com/
servers:
- url: https://api.getdefacto.com
  description: Production
- url: https://api-sandbox.getdefacto.com
  description: Sandbox
security:
- Bearer: []
tags:
- name: Eligibility and credit limit
paths:
  /credit_line/{credit_line_id}:
    get:
      deprecated: true
      description: '[DEPRECATED] Get credit line by id.<br/> Now use financial-product endpoint'
      parameters:
      - in: query
        name: at
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
      - in: path
        name: credit_line_id
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APICreditLine'
      security:
      - Bearer: []
      tags:
      - Eligibility and credit limit
      operationId: get_credit-line-credit-line-id
      summary: /credit_line/{credit_line_id}
  /credit_line:
    get:
      deprecated: true
      description: '[DEPRECATED] Get the credit line associated with your account.<br/>Your partner max-exposure is no longer available by API'
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APITenantCreditLine'
      security:
      - Bearer: []
      tags:
      - Eligibility and credit limit
      operationId: get_credit-line
      summary: /credit_line
  /credit_lines:
    get:
      description: List all the credit lines that have been opened for your company.<br/>By default, this includes all credit lines that have been created for borrowers you registered, as well as the credit line associated with your account.
      parameters:
      - description: Search by borrower company number (e.g. SIREN or NIF)
        in: query
        name: borrower
        required: false
        explode: true
        schema:
          type: array
          items:
            type: string
            nullable: true
      - description: Pagination cursor from the previous response's next_page field. Omit to get the first page.
        in: query
        name: cursor
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - description: UUID(s) of the credit line(s).
        in: query
        name: id
        required: false
        explode: true
        schema:
          type: array
          items:
            format: uuid
            type: string
            nullable: true
      - description: Maximum number of items to return per page.
        in: query
        name: page_size
        required: false
        schema:
          type: integer
          default: 100
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/TypedApiPage8'
      security:
      - Bearer: []
      tags:
      - Eligibility and credit limit
      operationId: get_credit-lines
      summary: /credit_lines
  /eligibility/reasons:
    get:
      description: List all the possible reasons for which a borrower would not be eligible for a loan.
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                items:
                  $ref: '#/components/schemas/ListDenialCode'
                type: array
      tags:
      - Eligibility and credit limit
      operationId: get_eligibility-reasons
      summary: /eligibility/reasons
  /eligibility/beneficiary:
    post:
      description: "\n<div>\n<h3>Ask if the business can receive the money originated from a loan on one of its bank accounts.</h3>\n\n<p>It should be interpreted the following way:</p>\n<ul>\n<li>when <code>is_eligible</code> is <code>true</code>,\n  it means the business can receive the money originated from a loan on one of its bank accounts.\n</li>\n<li>when <code>is_eligible</code> is <code>false</code>,\n  it means the business can't receive the money originated from a loan.\n  If the business is the borrower's supplier, it does not prevent the borrower from requesting a loan.\n  However, the money has to arrive in a bank account owned by the borrower, not by the supplier.\n</li>\n</ul>\n</div>\n"
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BusinessIdentifierRequired'
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/SimpleEligibilityResponse'
      security:
      - Bearer: []
      tags:
      - Eligibility and credit limit
      operationId: post_eligibility-beneficiary
      summary: /eligibility/beneficiary
  /eligibility/borrower:
    post:
      description: "\n<div>\n<h3>Ask for the pre-eligibility of a borrower.</h3>\n\n<p>It should be interpreted the following way:</p>\n<ul>\n<li>when <code>is_eligible</code> is <code>false</code>\n  and <code>reasons</code> is <code>null</code> or <code>[]</code>\n  it means the borrower **might** be eligible.\n  This will depend on his financials and will be evaluated after\n  you share data with the <code>/business/data/XXX</code> endpoints.\n</li>\n<li>when <code>is_eligible</code> is <code>true</code>, the borrower is eligible. However, we recommend\n  you to share the data you have with the <code>/business/data/XXX</code> endpoints in order to have a more\n  accurate (likely higher) eligible amount.\n</li>\n<li>when <code>is_eligible</code> is <code>false</code> and all items of <code>reasons</code> are in:\n  [OUTDATED_DATA, KYB_STATUS] this means the borrower might be eligible depending on his financing,\n  and we are expecting him to perform a few actions prior to requesting loan. Once you register the\n  borrower, this will be represented by the borrower's status.\n</li>\n</ul>\n</div>\n"
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APIBorrowerEligibility'
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/SimpleEligibilityResponse'
      security:
      - Bearer: []
      tags:
      - Eligibility and credit limit
      operationId: post_eligibility-borrower
      summary: /eligibility/borrower
components:
  schemas:
    APICreditLine:
      properties:
        balance_available:
          default: null
          description: Remaining amount that can be loaned.
          type: integer
          nullable: true
        balance_pending:
          default: 0
          description: ''
          type: integer
        balance_pending_validation:
          default: 0
          description: Amount locked because some loans are pending validation
          type: integer
        contract_number:
          default: null
          type: string
          nullable: true
        currency:
          default: EUR
          enum:
          - EUR
          - GBP
          type: string
        default_borrower:
          allOf:
          - $ref: '#/components/schemas/LightBusiness'
          default: null
          nullable: true
        default_borrower_strategy:
          default: null
          enum:
          - BUYER
          - SELLER
          - null
          type: string
          nullable: true
        default_guarantor:
          allOf:
          - $ref: '#/components/schemas/LightBusiness'
          default: null
          nullable: true
        default_loan_from:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        default_repayment_from:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        default_repayment_method:
          default: DIRECT_DEBIT
          enum:
          - DIRECT_DEBIT
          - P2P
          - SCT
          type: string
        default_repayment_to:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        distribution:
          enum:
          - DIRECT
          - PARTNER
          type: string
        end_date:
          default: null
          format: date-time
          type: string
          nullable: true
        fees_daily_rate:
          default: null
          type: number
          nullable: true
        fees_interest_daily_rate:
          type: number
        fees_operating_daily_rate:
          type: number
        fees_payer:
          allOf:
          - $ref: '#/components/schemas/LightBusiness'
          default: null
          nullable: true
        id:
          default: null
          nullable: true
        loan_contract_type:
          enum:
          - CREDIT_OPERATION
          - CREDIT_OPERATION_WITH_TRADE_RECEIVABLE_GUARANTEE
          - EQUITY_LOAN
          - TRADE_RECEIVABLE
          type: string
        pool_amount:
          default: null
          description: Maximum amount that can be loaned.
          type: integer
          nullable: true
        signed_at:
          default: null
          format: date-time
          type: string
          nullable: true
        start_date:
          format: date-time
          type: string
        vat:
          default: null
          type: number
          nullable: true
      required:
      - distribution
      - fees_interest_daily_rate
      - fees_operating_daily_rate
      - loan_contract_type
      - start_date
      type: object
    APIBorrowerEligibility:
      properties:
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          type: string
      required:
      - identifier
      - identifier_type
      type: object
    APILightAccountDetails:
      properties:
        account_number:
          description: The account identifier. Only IBANs are supported at the moment.
          type: string
        account_number_type:
          description: The type of account number (e.g. IBAN).
          enum:
          - account_number
          - iban
          - internal_id
          type: string
        bank_identifier:
          description: The identifier of the bank.
          type: string
        bank_identifier_type:
          description: The type of bank identifier (e.g. BIC).
          enum:
          - bic
          - name
          - routing_number
          - undefined
          type: string
      required:
      - account_number
      - account_number_type
      - bank_identifier
      - bank_identifier_type
      type: object
    TranslationResult:
      properties:
        de:
          type: string
        en:
          type: string
        es:
          type: string
        fr:
          type: string
      required:
      - de
      - en
      - es
      - fr
      type: object
    ListDenialCode:
      properties:
        denial_code_name:
          type: string
        translations:
          $ref: '#/components/schemas/TranslationResult'
      required:
      - denial_code_name
      - translations
      type: object
    EligibilityDenialReason:
      properties:
        code:
          description: Unique code identifying the reason of a denial. Can be used to display an error message to your users.
          enum:
          - ACTIVITY_DOCUMENTS_REQUIRED
          - ACTIVITY_NOT_ELIGIBLE_BORROWER
          - ALREADY_USING_FACTORING_OR_DAILLY
          - AMOUNT_SUPERIOR_TO_AVAILABLE_BALANCE
          - AVERAGE_INVOICE_SIZE_TOO_HIGH
          - BLACKLISTED_FACTORED_COUNTERPARTY
          - BORROWER_AND_COUNTERPARTY_HAVE_COMMON_DIRECTOR
          - BORROWER_CHURNED
          - BORROWER_DEFAULTED
          - BORROWER_STATUS
          - BORROWER_TO_SIGN
          - BUSINESS_AGE_BELOW_THRESHOLD
          - BUSINESS_AML_EXTREME_RISK
          - BUSINESS_COMPLIANCE_ISSUE_DETECTED
          - BUSINESS_HARD_COLLECTION
          - BUSINESS_HAS_NO_PROFESSIONAL_EMAIL
          - BUSINESS_INSOLVENCY_PROCEDURE_EXISTS
          - BUSINESS_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS
          - BUSINESS_LEGAL_FORM_NOT_ELIGIBLE
          - BUSINESS_MISSING_INFORMATION
          - BUSINESS_NOT_DIFFUSIBLE
          - BUSINESS_NOT_REGISTERED
          - BUSINESS_NOT_REGISTERED_TO_RCS
          - BUSINESS_NOT_REGISTERED_TO_RCS_OR_RNE
          - BUSINESS_RADIATED
          - BUSINESS_REGION_NOT_COVERED
          - BUSINESS_UNKNOWN
          - BUSINESS_UNKNOWN_BUYER
          - BUSINESS_UNKNOWN_SELLER
          - CAPPING_EXCEEDED
          - CASHED_IN_NOT_REPAID
          - CCSF_TRANSACTION_DETECTED
          - CCSF_TRANSACTION_PENDING_DATA_REQUEST
          - CCSF_TRANSACTION_WAITING_END_INSTALLMENT_PLAN
          - COUNTERPARTY_DATA_MISSING
          - COUNTERPARTY_INSOLVENCY_PROCEDURE_EXISTS
          - COUNTERPARTY_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS
          - COUNTERPARTY_KPI_MISSING
          - COUNTERPARTY_NOT_REGISTERED
          - COUNTERPARTY_NOT_SELECTED_FOR_FINANCING
          - COUNTRY_CAPPING_EXCEEDED
          - COUNTRY_NOT_ELIGIBLE_BORROWER
          - COUNTRY_NOT_ELIGIBLE_COUNTERPARTY
          - CREDIT_RISK_NOT_ELIGIBLE
          - CREDIT_RISK_NOT_ELIGIBLE_COUNTERPARTY
          - DATA_STILL_REFRESHING
          - DEBT_ARREARS_PENDING_GRACE_PERIOD
          - DEPRECATED_LATE_REPAYMENT
          - DOES_NOT_MATCH_ELIGIBILITY_CRITERIA
          - DOUBLE_MOBILIZATION
          - DPD_15_LATE_REPAYMENT_BORROWER
          - DPD_15_LATE_REPAYMENT_BUYER
          - DPD_15_LATE_REPAYMENT_SELLER
          - ELLISPHERE_RISK_INDEX
          - EXCEEDED_PARTNER_CREDIT_LINE
          - EXCESSIVE_AMOUNT_LOAN_REQUEST
          - EXCESSIVE_DURATION_LOAN_REQUEST
          - EXPOSURE_TOO_OLD
          - FILL_INVOICE_BUYER_INFORMATION
          - FILL_INVOICE_SELLER_INFORMATION
          - FINANCIAL_PRODUCT_DEACTIVATED
          - FINANCIAL_PRODUCT_NOT_IN_RELEASE
          - FINANCIAL_STATEMENT_BAD_KPI
          - FINANCIAL_STATEMENT_PARSING_ISSUE
          - HIGH_BUSINESS_RISK_INDEX
          - HIGH_LOAN_DEFAULT_INDEX
          - HIGH_LYSTA_RISK_INDEX
          - INDUSTRY_CODE_NOT_ELIGIBLE_BORROWER
          - INDUSTRY_CODE_NOT_ELIGIBLE_COUNTERPARTY
          - INSOLVENCY_EARLY_SIGNAL_DETECTED
          - INSOLVENCY_PROCEDURE_EXISTS_BORROWER
          - INSOLVENCY_PROCEDURE_EXISTS_BUYER
          - INSOLVENCY_PROCEDURE_EXISTS_SELLER
          - INSTALLMENT_PLAN_DETECTED_FOR_TAX
          - INSTALLMENT_PLAN_DETECTED_FOR_URSSAF
          - INSURANCE_QUOTE_EXPIRED
          - INVOICE_ALREADY_FINANCED
          - INVOICE_AUTO_LIQUIDATION
          - INVOICE_BLACKLIST_WORDS
          - INVOICE_COMPLIANCE_ISSUE_DETECTED
          - INVOICE_DOES_NOT_MATCH_ELIGIBILITY_CRITERIA
          - INVOICE_LME_NON_COMPLIANT
          - INVOICE_MISSING_ACCOUNT_NUMBER
          - INVOICE_MISSING_LEGAL_MENTION
          - INVOICE_MULTIPLE_STAGE
          - INVOICE_NON_ELIGIBLE_USE_CASE
          - INVOICE_NOT_ELIGIBLE_TO_CREDIT_INSURANCE
          - INVOICE_NOT_ISSUED_YET
          - INVOICE_NOT_RELATED_TO_WCR
          - INVOICE_OVERDUE
          - INVOICE_PAYABLE_BORROWER_IS_ACCOUNT_HOLDER
          - INVOICE_RECEIVABLE_ACCOUNT_MISSING_LIVE_CONNECTION
          - INVOICE_RECEIVABLE_ACCOUNT_MISSING_MANDATE
          - INVOICE_RECEIVABLE_BORROWER_IS_NOT_ACCOUNT_HOLDER
          - INVOICE_REPAYMENT_DATE_TOO_FAR_60D
          - KPI_MISSING
          - KPI_SCREENING_NOT_ELIGIBLE_BORROWER
          - KYB_PENDING
          - KYB_PENDING_USER_ACTION
          - KYC_PENDING
          - KYC_PENDING_USER_ACTION
          - LATE_REPAYMENT_BORROWER
          - LEGAL_FORM_NOT_ELIGIBLE_BORROWER
          - LEGAL_FORM_NOT_ELIGIBLE_BUYER
          - LEGAL_FORM_NOT_ELIGIBLE_COUNTERPARTY
          - LINKED_BUSINESS_IS_BLOCKED
          - LOAN_REQUEST_EXPIRED
          - LOW_CASH_BALANCE
          - LOW_FREE_CASH_FLOW
          - MAX_AMOUNT_EXCEEDED
          - MAX_AMOUNT_EXCEEDED_BORROWER
          - MAX_AMOUNT_EXCEEDED_BUYER
          - MAX_AMOUNT_EXCEEDED_SELLER
          - MISSING_COUNTERPARTY_CONTACT_INFORMATION
          - MISSING_PUBLIC_PROCUREMENT_DOCUMENT
          - NEED_BANKING_INTEGRATION
          - NOT_AN_INVOICE
          - NOT_DIFFUSIBLE_BUYER
          - NOT_DIFFUSIBLE_SELLER
          - NOT_ENOUGH_DATA
          - NOT_PRE_ELIGIBLE_SPV
          - NOT_REGISTERED_BUYER
          - NOT_REGISTERED_SELLER
          - NO_TAX_PAYMENT_FOUND
          - NO_URSSAF_PAYMENTS_FOUND
          - NO_URSSAF_PAYMENT_FOUND
          - OFFBOARDED
          - ORANGE_FLAG_TRANSACTIONS
          - OTHER_BUSINESS_FROM_DIRECTOR_HAS_INSOLVENCY_PROCEDURE
          - OUTDATED_DATA
          - OUTDATED_INVOICE
          - OUTDATED_INVOICE_2WEEKS
          - OUTDATED_INVOICE_3WEEKS
          - OVERDRAFT_REQUIRED
          - PLEASE_RECONNECT_BANK_ACCOUNTS
          - POSTAL_CODE_NOT_ELIGIBLE_BORROWER
          - POSTAL_CODE_NOT_ELIGIBLE_COUNTERPARTY
          - PROACTIVE_RECOLLECTION
          - PRUDENTIAL_EXPOSURE_EXCEEDED
          - QONTO_INTEGRATION_GERMAN_USER_DOES_NOT_HAVE_4_MONTHS_OF_HISTORY
          - QONTO_INTEGRATION_USER_DOES_NOT_HAVE_6_MONTHS_OF_HISTORY
          - QONTO_INTEGRATION_USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE
          - RECENT_DEBT_ARREARS_KO
          - RECENT_DEBT_ARREARS_PENDING_DATA_REQUEST
          - RECENT_REVENUE_DROP
          - RECENT_SEIZURE_DETECTED
          - RECENT_TAX_ARREARS_PENDING_DATA_REQUEST
          - RECENT_UNPAID_PRIVILEGED_TRANSACTIONS
          - RECENT_UNPAID_PRIVILEGED_TRANSACTIONS_PENDING_DATA_REQUEST
          - RECENT_URSSAF_ARREARS_PENDING_DATA_REQUEST
          - RED_FLAG_TRANSACTIONS
          - RELATED_COUNTERPARTY_HAS_FLAG
          - RELATED_COUNTERPARTY_IS_LATE
          - REMOVED_FROM_COMMERCIAL_REGISTER_BORROWER
          - REMOVED_FROM_COMMERCIAL_REGISTER_BUSINESS
          - REMOVED_FROM_COMMERCIAL_REGISTER_BUYER
          - REMOVED_FROM_COMMERCIAL_REGISTER_SELLER
          - REPAYMENT_CONCENTRATION_IS_TOO_HIGH
          - REQUIRED_FINANCIAL_STATEMENT
          - RISK_SCORE_DOWNGRADING
          - SMALL_RECURRING_AMOUNT_DETECTED_FOR_URSSAF
          - TOO_LONG
          - UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT
          - UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT_BANK_IDENTIFIER
          - UNAUTHORIZED_LOAN_PAYMENT_BENEFICIARY
          - URSSAF_PAYMENTS_STOPPED
          - USER_DOES_NOT_MEET_MINIMUM_MAX_AMOUNT_SIZE
          - USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE
          - WAITING_FOR_THIRD_PARTY_PROVIDER
          - WAIT_FOR_REPAYMENT
          type: string
        description:
          default: Not yet available.
          description: A human readable description of the denial reason, in english. Mainly returned for debug purpose.
          type: string
      required:
      - code
      type: object
    Address:
      properties:
        address_line_1:
          type: string
          nullable: true
        address_line_2:
          type: string
          nullable: true
        city:
          type: string
          nullable: true
        country:
          type: string
          nullable: true
        postal_code:
          type: string
          nullable: true
        state:
          type: string
          nullable: true
      type: object
    LightBusiness:
      properties:
        activity_description:
          default: null
          type: string
          nullable: true
        activity_type:
          default: null
          type: string
          nullable: true
        address:
          allOf:
          - $ref: '#/components/schemas/Address'
          default: null
          nullable: true
        capital:
          default: null
          type: integer
          nullable: true
        creation_date:
          default: null
          format: date
          type: string
          nullable: true
        has_ongoing_insolvency_procedure:
          default: null
          type: boolean
          nullable: true
        id:
          default: null
          format: uuid
          type: string
          nullable: true
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          default: null
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          - null
          type: string
          nullable: true
        is_active:
          default: null
          type: boolean
          nullable: true
        is_diffusible:
          default: null
          type: boolean
          nullable: true
        last_insolvency_procedure_closing_date:
          default: null
          format: date
          type: string
          nullable: true
        last_insolvency_procedure_open_date:
          default: null
          format: date
          type: string
          nullable: true
        last_insolvency_procedure_type:
          default: null
          type: string
          nullable: true
        legal_form:
          default: null
          description: Legal form of the business.
          type: string
          nullable: true
        nace_code:
          default: null
          type: string
          nullable: true
        name:
          default: null
          description: Legal name of the business.
          type: string
          nullable: true
        registration_body:
          default: null
          description: Name of the national organization where the business is registered. For example the RCS of Paris in France
          type: string
          nullable: true
        registration_date:
          default: null
          format: date
          type: string
          nullable: true
        registry_radiation_date:
          default: null
          format: date
          type: string
          nullable: true
        share_capital:
          default: null
          description: The part of the capital of a company that comes from the issue of shares, in cents.
          type: integer
          nullable: true
        termination_date:
          default: null
          format: date
          type: string
          nullable: true
        vat_number:
          default: null
          description: VatNumber
          type: string
          nullable: true
      required:
      - identifier
      type: object
    TypedApiPage8:
      properties:
        count:
          type: integer
        data:
          items:
            $ref: '#/components/schemas/APICreditLine'
          type: array
        next_page:
          default: null
          type: string
          nullable: true
        page_size:
          type: integer
        previous_page:
          default: null
          type: string
          nullable: true
        total:
          default: null
          type: integer
          nullable: true
      required:
      - count
      - page_size
      type: object
    APITenantCreditLine:
      properties:
        amount_to_repay:
          default: null
          type: integer
          nullable: true
        balance_available:
          default: null
          description: Remaining amount that can be loaned.
          type: integer
          nullable: true
        balance_pending:
          default: 0
          description: ''
          type: integer
        balance_pending_validation:
          default: 0
          description: Amount locked because some loans are pending validation
          type: integer
        coming_up_monthly_fees:
          default: null
          type: integer
          nullable: true
        contract_number:
          default: null
          type: string
          nullable: true
        currency:
          default: EUR
          enum:
          - EUR
          - GBP
          type: string
        default_borrower:
          allOf:
          - $ref: '#/components/schemas/LightBusiness'
          default: null
          nullable: true
        default_borrower_strategy:
          default: null
          enum:
          - BUYER
          - SELLER
          - null
          type: string
          nullable: true
        default_guarantor:
          allOf:
          - $ref: '#/components/schemas/LightBusiness'
          default: null
          nullable: true
        default_loan_from:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        default_repayment_from:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        default_repayment_method:
          default: DIRECT_DEBIT
          enum:
          - DIRECT_DEBIT
          - P2P
          - SCT
          type: string
        default_repayment_to:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        distribution:
          enum:
          - DIRECT
          - PARTNER
          type: string
        end_date:
          default: null
          format: date-time
          type: string
          nullable: true
        fees_daily_rate:
          default: null
          type: number
          nullable: true
        fees_interest_daily_rate:
          type: number
        fees_operating_daily_rate:
          type: number
        fees_payer:
          allOf:
          - $ref: '#/components/schemas/LightBusiness'
          default: null
          nullable: true
        id:
          default: null
          nullable: true
        loan_contract_type:
          enum:
          - CREDIT_OPERATION
          - CREDIT_OPERATION_WITH_TRADE_RECEIVABLE_GUARANTEE
          - EQUITY_LOAN
          - TRADE_RECEIVABLE
          type: string
        pool_amount:
          default: null
          description: Maximum amount that can be loaned.
          type: integer
          nullable: true
        signed_at:
          default: null
          format: date-time
          type: string
          nullable: true
        start_date:
          format: date-time
          type: string
        vat:
          default: null
          type: number
          nullable: true
      required:
      - distribution
      - fees_interest_daily_rate
      - fees_operating_daily_rate
      - loan_contract_type
      - start_date
      type: object
    BusinessIdentifierRequired:
      properties:
        identifier:
          type: string
        identifier_type:
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          type: string
      required:
      - identifier
      - identifier_type
      type: object
    SimpleEligibilityResponse:
      properties:
        is_eligible:
          description: Say if the eligibility check accepted the request or not.
          type: boolean
        reasons:
          default: null
          description: 'Reasons explaining why the request was rejected. If several reasons lead to a denial, the field will contain multiple objects. Empty when is_eligible: true.'
          items:
            $ref: '#/components/schemas/EligibilityDenialReason'
          type: array
          nullable: true
      required:
      - is_eligible
      type: object
  securitySchemes:
    Bearer:
      in: header
      name: Authorization
      type: apiKey