openapi: 3.2.0 info: title: CAPITAL Funding Application API version: v1.0 description: Endpoints for managing Funding Applications. servers: - url: https://sandbox.finmid.com description: Sandbox - url: https://api.finmid.com description: Live security: - apiKeyScheme: [] tags: - name: Funding Application description: Endpoints for managing Funding Applications. paths: /api/v1/capital/businesses/{business_id}/fundings/applications: get: tags: - Funding Application operationId: get-funding-applications summary: Get Funding Applications description: 'This endpoint returns the Funding Applications for a Business, newest first (sorted by `submitted_at`). A Funding Application represents the intermediate step in the financing lifecycle: **Offer → Funding Application → Funding**. It is created when a Business accepts an Offer and captures the review process that determines whether a Funding will be issued. The lifecycle of a Funding Application is as follows: - `IN_REVIEW`: the business screening has begun and the funding application is under review - `APPROVED`: the review has passed and a Funding has been created. The `credit_id` field is populated once the Funding is paid out. - `REJECTED`: the review has not passed and no Funding will be created for this application. - `CANCELLED`: the application was cancelled on business request while still in review; no Funding will be created. At any given time, there can be only one Funding Application that is not in a final state (APPROVED, REJECTED, or CANCELLED). ### Required Actions While a Funding Application is in `IN_REVIEW` status, the review process may require the business to take specific actions — for example, uploading documents. These are surfaced in the `required_actions` array. Each entry describes the type of action needed, the reason (which provides contextual information) and when it was requested. When required actions are present, the business automatically receives an email notification. The array is empty when no action is pending. The optional `status` query parameter allows filtering applications by their current status.' parameters: - $ref: '#/paths/~1api~1v1~1capital~1businesses~1{business_id}/get/parameters/0' - name: status in: query description: Filter for status of the Funding Application. required: false schema: description: 'Status of the Funding Application. - `IN_REVIEW`: the business screening has begun and the application is under review. - `APPROVED`: the application has been approved and a Funding has been created. - `REJECTED`: the application has been rejected. No Funding will be created. - `CANCELLED`: the application was cancelled on business request while still in review; no Funding will be created. ' type: string enum: - IN_REVIEW - APPROVED - REJECTED - CANCELLED example: IN_REVIEW responses: '200': description: List of Funding Applications for this Business. content: application/json: schema: type: object required: - data properties: data: description: List of Funding Applications. type: array items: type: object required: - id - offer_id - status - required_actions - reviews - rejection_reasons - submitted_at - resolved_at - credit_id properties: id: description: 'Unique identifier of the Funding Application. Webhooks carry this value as `funding_application_id` in the `capital_funding_application.*` events, and as `funding_id` in [`capital_funding.created`](./capital-webhooks#capital_fundingcreated) and in the deprecated [`capital_funding.rejected`](./capital-webhooks#capital_fundingrejected). ' type: string format: uuid example: 20e9a201-9b22-4768-887b-1b7559b699c6 offer_id: description: Unique identifier of the Offer associated with this Funding Application. type: string format: uuid example: 550e8400-e29b-41d4-a716-446655440001 status: $ref: '#/paths/~1api~1v1~1capital~1businesses~1{business_id}~1fundings~1applications/get/parameters/1/schema' required_actions: description: 'Actions the business must complete to progress the Funding Application. Only populated when the application is actively waiting on the business (i.e. documents have been requested during the review process). Empty when no action is needed from the business. ' type: array items: type: object required: - type - reason - requested_at properties: type: description: 'Type of action the business must complete to progress the Funding Application. - `DOCUMENT_UPLOAD`: the business needs to upload one or more documents requested during the review process. - `E_SIGNATURE`: the business needs to electronically sign a document. ' type: string enum: - DOCUMENT_UPLOAD - E_SIGNATURE example: DOCUMENT_UPLOAD reason: description: 'Reason why the action is required, providing contextual information about what the business needs to address. - `DOCUMENT_REQUEST`: generic document request (legacy). - `UNRESOLVED_BUSINESS_IDENTITY`: the business could not be found in public records and needs to provide additional identity documentation. - `REGULATORY_SIGNING_REQUIRED`: a regulatory requirement requires the business to sign documentation. ' type: string enum: - DOCUMENT_REQUEST - UNRESOLVED_BUSINESS_IDENTITY - REGULATORY_SIGNING_REQUIRED example: UNRESOLVED_BUSINESS_IDENTITY requested_at: description: Timestamp in UTC when the action was requested (ISO 8601 datetime). type: string format: date-time example: '2025-04-01T12:00:00.000Z' reviews: description: 'List of reviews raised during the Funding Application''s screening. Each entry carries the review code, the timestamp it was raised, and (when resolved) the resolution timestamp. Entries remain after they are resolved — the list represents the full review history, not the current open set. Empty until the screening starts, and temporarily empty when the review data cannot be retrieved. ' type: array items: description: 'A single review event raised during the Funding Application''s screening. ' type: object required: - code - raised_at - resolved_at properties: code: description: 'Reason the review was raised. - `COMPANY_IDENTIFICATION_PENDING`: business registration could not be verified automatically; a registration document has been requested from the merchant. - `COMPLIANCE_REVIEW_IN_PROGRESS`: a compliance review is in progress; no action is required from the merchant. - `SANCTIONS_REVIEW_IN_PROGRESS`: a sanctions review is in progress; the merchant may receive an email to verify details. - `RISK_REVIEW_IN_PROGRESS`: a risk review is in progress; no action is required from the merchant. - `BANK_ACCOUNT_DATA_MISSING`: bank account details are incomplete (IBAN or account holder name missing); the merchant must provide them. - `BANK_ACCOUNT_IBAN_NOT_FOUND`: the bank account IBAN could not be verified; the merchant must confirm or correct it. - `LEGAL_REPRESENTATIVE_MISMATCH`: legal representative verification is required. - `LEGAL_REPRESENTATIVE_DATA_MISSING`: legal representative information is incomplete; the merchant must provide it. - `SIGNED_DOCUMENTS_UPLOAD_PENDING`: signed documents are awaited from the merchant. ' type: string enum: - COMPANY_IDENTIFICATION_PENDING - COMPLIANCE_REVIEW_IN_PROGRESS - SANCTIONS_REVIEW_IN_PROGRESS - RISK_REVIEW_IN_PROGRESS - BANK_ACCOUNT_DATA_MISSING - BANK_ACCOUNT_IBAN_NOT_FOUND - LEGAL_REPRESENTATIVE_MISMATCH - LEGAL_REPRESENTATIVE_DATA_MISSING - SIGNED_DOCUMENTS_UPLOAD_PENDING example: COMPLIANCE_REVIEW_IN_PROGRESS raised_at: description: Timestamp in UTC when the review was raised. type: string format: date-time example: '2025-04-02T12:00:00.000Z' resolved_at: description: Timestamp in UTC when the review was resolved. type: - string - 'null' format: date-time example: '2025-04-03T09:00:00.000Z' rejection_reasons: description: 'Reasons why the Funding Application was rejected. Only populated when `status` is `REJECTED`; empty otherwise. May contain multiple values when several rejection reasons apply. Temporarily empty when the review data cannot be retrieved. ' type: array items: $ref: '#/paths/~1api~1v1~1capital~1simulation~1fundings~1applications~1{application_id}~1reject/post/requestBody/content/application~1json/schema/properties/rejection_reasons/items' submitted_at: description: Timestamp in UTC when the application was submitted (ISO 8601 datetime). type: string format: date-time example: '2025-03-15T10:30:00.000Z' resolved_at: description: Timestamp in UTC when the application reached a final state — approved, rejected, or cancelled (ISO 8601 datetime). `null` if the application has not been resolved yet. type: - string - 'null' format: date-time example: '2025-03-16T14:00:00.000Z' credit_id: description: Unique identifier of the Funding created from this application. Populated once the Funding is paid out; `null` before then. type: - string - 'null' format: uuid example: 20e9a201-9b22-4768-887b-1b7559b699c6 examples: applications_list: summary: Applications listed newest first value: data: - id: b3e8d4c2-7a19-4f5e-8c61-0e2f9a7d3b52 offer_id: 550e8400-e29b-41d4-a716-446655440002 status: IN_REVIEW required_actions: [] reviews: [] rejection_reasons: [] submitted_at: '2025-04-01T09:00:00.000Z' resolved_at: null credit_id: null - id: 20e9a201-9b22-4768-887b-1b7559b699c6 offer_id: 550e8400-e29b-41d4-a716-446655440001 status: APPROVED required_actions: [] reviews: - code: COMPLIANCE_REVIEW_IN_PROGRESS raised_at: '2025-03-15T11:00:00.000Z' resolved_at: '2025-03-16T13:00:00.000Z' rejection_reasons: [] submitted_at: '2025-03-15T10:30:00.000Z' resolved_at: '2025-03-16T14:00:00.000Z' credit_id: 20e9a201-9b22-4768-887b-1b7559b699c6 with_required_actions: summary: Application with pending document upload value: data: - id: d91a5f3c-2e84-4b07-a6d9-5c3e1f8b7a24 offer_id: 550e8400-e29b-41d4-a716-446655440002 status: IN_REVIEW required_actions: - type: DOCUMENT_UPLOAD reason: UNRESOLVED_BUSINESS_IDENTITY requested_at: '2025-04-02T12:00:00.000Z' reviews: - code: COMPANY_IDENTIFICATION_PENDING raised_at: '2025-04-02T12:00:00.000Z' resolved_at: null rejection_reasons: [] submitted_at: '2025-04-01T09:00:00.000Z' resolved_at: null credit_id: null in_review_internal: summary: Application under internal review with no merchant action required, mixed open and resolved reviews value: data: - id: 4c7e2b91-8d3f-4a6c-b215-9f0e6d4a1c83 offer_id: 550e8400-e29b-41d4-a716-446655440002 status: IN_REVIEW required_actions: [] reviews: - code: COMPLIANCE_REVIEW_IN_PROGRESS raised_at: '2025-04-01T10:00:00.000Z' resolved_at: '2025-04-02T11:00:00.000Z' - code: RISK_REVIEW_IN_PROGRESS raised_at: '2025-04-02T11:00:00.000Z' resolved_at: null rejection_reasons: [] submitted_at: '2025-04-01T09:00:00.000Z' resolved_at: null credit_id: null rejected_with_reasons: summary: Rejected application with rejection reasons and historical review list value: data: - id: a2f6c8e4-5b1d-4e93-9c7a-3d8b0f2e6a17 offer_id: 550e8400-e29b-41d4-a716-446655440003 status: REJECTED required_actions: [] reviews: - code: RISK_REVIEW_IN_PROGRESS raised_at: '2025-03-10T09:00:00.000Z' resolved_at: '2025-03-11T16:30:00.000Z' rejection_reasons: - RISK_REQUIREMENTS_NOT_MET submitted_at: '2025-03-10T08:00:00.000Z' resolved_at: '2025-03-11T16:30:00.000Z' credit_id: null filtered_by_status: summary: Filtered by IN_REVIEW status value: data: - id: e5b9d3a1-6c2f-4d8e-a417-8b3c5e9f0d66 offer_id: 550e8400-e29b-41d4-a716-446655440002 status: IN_REVIEW required_actions: [] reviews: - code: COMPLIANCE_REVIEW_IN_PROGRESS raised_at: '2025-04-01T10:00:00.000Z' resolved_at: null rejection_reasons: [] submitted_at: '2025-04-01T09:00:00.000Z' resolved_at: null credit_id: null empty_list: summary: No applications found value: data: [] '400': description: The `status` query parameter is not one of the Funding Application statuses. content: application/json: schema: allOf: - $ref: '#/paths/~1api~1v1~1transaction/post/responses/400/content/application~1json/schema/allOf/0' - type: object properties: code: type: string enum: - validation_error description: example: Type mismatch. examples: unknown_status: summary: The status filter is not a Funding Application status value: code: validation_error description: Type mismatch. '401': $ref: '#/paths/~1api~1v1~1capital~1businesses/post/responses/401' '404': $ref: '#/paths/~1api~1v1~1capital~1businesses~1{business_id}/get/responses/404' '500': $ref: '#/paths/~1api~1v1~1capital~1businesses/post/responses/500' components: securitySchemes: apiKeyScheme: type: apiKey in: header name: X-API-KEY x-provenance: method: searched source: https://docs.finmid.com/reference harvested: '2026-10-14' tool: harvest-readme-openapi.py note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored. assembled_from: - https://docs.finmid.com/reference/accept-funding-application.md - https://docs.finmid.com/reference/add-business-kyb-data.md - https://docs.finmid.com/reference/add-sales-statements.md - https://docs.finmid.com/reference/cancel-funding-application.md - https://docs.finmid.com/reference/complete-payment.md - https://docs.finmid.com/reference/create-business.md - https://docs.finmid.com/reference/create-csp-document-upload.md - https://docs.finmid.com/reference/create-kyb-business-document-upload.md - https://docs.finmid.com/reference/create-signature-link.md - https://docs.finmid.com/reference/delete-csp-document.md - https://docs.finmid.com/reference/execute-payment-transaction.md - https://docs.finmid.com/reference/fail-payment.md - https://docs.finmid.com/reference/finalize-csp-document-submission.md - https://docs.finmid.com/reference/get-active-offer-group.md - https://docs.finmid.com/reference/get-business.md - https://docs.finmid.com/reference/get-capital-max.md - https://docs.finmid.com/reference/get-current-offer-state.md - https://docs.finmid.com/reference/get-document-url.md - https://docs.finmid.com/reference/get-funding-applications.md - https://docs.finmid.com/reference/get-fundings-for-business.md - https://docs.finmid.com/reference/get-latest-onboarding.md - https://docs.finmid.com/reference/get-payment-batch.md - https://docs.finmid.com/reference/get-payments-for-credit.md - https://docs.finmid.com/reference/get-sales-statements.md - https://docs.finmid.com/reference/list-csp-documents.md - https://docs.finmid.com/reference/list-funding-documents.md - https://docs.finmid.com/reference/payout-credit.md - https://docs.finmid.com/reference/receive-incoming-webhook.md - https://docs.finmid.com/reference/receive-payout-outcome.md - https://docs.finmid.com/reference/reject-credit.md - https://docs.finmid.com/reference/reject-funding-application.md - https://docs.finmid.com/reference/report-funds-collection.md - https://docs.finmid.com/reference/report-payment.md - https://docs.finmid.com/reference/report-platform-check.md - https://docs.finmid.com/reference/schedule-payment.md - https://docs.finmid.com/reference/simulate-accept-offers.md - https://docs.finmid.com/reference/simulate-batch-payment.md - https://docs.finmid.com/reference/simulate-capital-max-review.md - https://docs.finmid.com/reference/simulate-create-funding.md - https://docs.finmid.com/reference/simulate-create-offers.md - https://docs.finmid.com/reference/simulate-expire-offers.md - https://docs.finmid.com/reference/submit-business-performance-data.md - https://docs.finmid.com/reference/update-business-non-pi.md merge: pages: 43 deduped: 199 conflicts_kept_first: 0