Approve loan application

Transitions a pending-approval loan application to approved.

POST /api/v1/loan-applications/{id}/approve

Approve loan application

cURL

curl --request POST \
  --url https://lender.sandbox.lerian.net/api/v1/loan-applications/{id}/approve \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "approvedAmount": "48000.00",
  "decisionAt": "2026-06-14T12:00:00Z",
  "note": "<string>"
}
'

200

{
  "amortizationSystem": "price",
  "assignedOfficerId": "officer-xyz",
  "borrowerId": "550e8400-e29b-41d4-a716-446655440002",
  "expectedDisbursementDate": "2026-06-14T12:00:00Z",
  "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "loanProductVersionId": "550e8400-e29b-41d4-a716-446655440000",
  "paymentPeriodicity": "monthly",
  "previewJurisdictionCode": "BR",
  "previewProfileVersion": "1.0.0",
  "requestedInstallments": 24,
  "requestedInterestRate": "0.00000100",
  "requestedPrincipalAmount": "50000.00",
  "status": "pending_approval",
  "approvalDecision": {
    "approvedAmount": "48000.00",
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "9f1c2d3e-4b5a-6789-abcd-ef0123456789",
    "note": "<string>"
  },
  "borrowerKind": "pessoaFisica",
  "clientContractNumber": "CTR-2026-000123",
  "disbursementEvent": {
    "disbursedAt": "2026-06-14T12:00:00Z",
    "grossRequestedAmount": "50000.00",
    "id": "c3d4e5f6-a7b8-4901-acde-f01234567890",
    "loanAccountId": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "netDeliveredAmount": "49500.00",
    "originationFeeAmount": "130.00",
    "profileVersion": "1.0.0",
    "ledgerCorrelationId": "origination.disbursement:7c9e6679-7425-40de-944b-e07fc1f90ae7:disburse-2026-06-14-001"
  },
  "firstDueDate": "2026-07-14",
  "paymentRules": [
    {
      "fromInstallment": 1,
      "kind": "interestOnly",
      "toInstallment": 6,
      "amount": "30000.00"
    }
  ],
  "previewScheduleSnapshotId": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
  "rejectionDecision": {
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "b2c3d4e5-f6a7-4890-9bcd-ef0123456789",
    "reason": "<string>"
  },
  "requestedInstallmentAmount": "300.00",
  "requestedNetAmount": "10000.00",
  "taxRegime": "brazilSimplesNacional",
  "withdrawalDecision": {
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "b2c3d4e5-f6a7-4890-9bcd-ef0123456789",
    "reason": "<string>"
  }
}

Autorizaciones

Authorization · string · header · requerido

JWT bearer token issued by the identity provider.

Encabezados

X-Idempotency · string · requerido

Canonical idempotency request ID. Required: without a key a retry of this request cannot be told apart from a second instruction, and the duplicate it books is undone by hand.

Ejemplo:

"550e8400-e29b-41d4-a716-446655440003"

Parámetros de ruta

id · string<uuid> · requerido

Loan application identifier.

Ejemplo:

"3fa85f64-5717-4562-b3fc-2c963f66afa6"

Cuerpo

application/json

approvedAmount · string · requerido

Approved amount as a decimal string (e.g. "48000.00"). For a direct (lender_direct) application, bounded, inclusive, by the loan product version's principal limits when it declares them (LENDER-0250).

Ejemplo:

"48000.00"

decisionAt · string

Decision timestamp (RFC3339). Omit it and Lender stamps the tenant's business now.

Ejemplo:

"2026-06-14T12:00:00Z"

note · string

Optional approval note.

Respuesta

200

application/json

OK

amortizationSystem · enum<string> · requerido

Amortization system the contract is struck under; price when the proposal asked for none.

Opciones disponibles: price, sac, american

Ejemplo:

"price"

assignedOfficerId · string · requerido

Authenticated officer who created the application (request subject), or empty on a system-originated application, which has no human officer. Whatever the identity provider issues as the subject: not necessarily a UUID, at most 255 characters.

Ejemplo:

"officer-xyz"

borrowerId · string<uuid> · requerido

The borrower's holder id in the Midaz CRM of the product's institution (UUID).

Ejemplo:

"550e8400-e29b-41d4-a716-446655440002"

expectedDisbursementDate · string · requerido

Expected disbursement date (RFC3339, UTC).

Ejemplo:

"2026-06-14T12:00:00Z"

id · string · requerido

Loan application identifier (UUID).

Ejemplo:

"3fa85f64-5717-4562-b3fc-2c963f66afa6"

loanProductVersionId · string · requerido

Loan product version this application was created against (UUID).

Ejemplo:

"550e8400-e29b-41d4-a716-446655440000"

paymentPeriodicity · enum<string> · requerido

How often an instalment falls due; monthly when the proposal asked for none.

Opciones disponibles: monthly, fortnightly, weekly

Ejemplo:

"monthly"

previewJurisdictionCode · string · requerido

ISO-2 jurisdiction code resolved at preview time.

Ejemplo:

"BR"

previewProfileVersion · string · requerido

Jurisdiction profile version resolved at preview time.

Ejemplo:

"1.0.0"

requestedInstallments · integer<int64> · requerido

Number of installments requested, on the periodicity of the contract.

Ejemplo:

24

requestedInterestRate · string · requerido

Requested monthly interest rate as a decimal string, scale 8 (e.g. "0.00000100").

Ejemplo:

"0.00000100"

requestedPrincipalAmount · string · requerido

Requested principal amount as a decimal string, minor-unit precision scale 2 (e.g. "50000.00"). On a proposal asked by its instalment, the principal the Lender resolved for it; on one asked by its net, the gross the Lender resolved for it.

Ejemplo:

"50000.00"

status · string · requerido

Lifecycle status: one of pending_approval, approved, rejected, withdrawn, disbursed.

Ejemplo:

"pending_approval"

approvalDecision · object

Approval facts; present only when the application is approved or disbursed.

Show child attributes

borrowerKind · string

Whose credit this is: pessoaFisica for a CPF borrowerDocument, pessoaJuridica for a CNPJ. ABSENT on an application created before the declaration existed: such an application cannot be taxed or described, and the paths that need the kind refuse it with LENDER-0230 rather than assuming one.

Ejemplo:

"pessoaFisica"

clientContractNumber · string

The client's own number for this contract, exactly as recorded at creation. ABSENT when the contract has none.

Ejemplo:

"CTR-2026-000123"

disbursementEvent · object

Disbursement facts; present only when the application is disbursed.

Show child attributes

firstDueDate · string

First instalment date the application records (YYYY-MM-DD). ABSENT on an application created before the date was recorded, on a payroll-rail application and on a renegotiated contract.

Ejemplo:

"2026-07-14"

paymentRules · object[] | null

Rows the proposal pays by rule instead of the system's share, as sent. ABSENT when the ladder is the system's alone.

Show child attributes

previewScheduleSnapshotId · string

Schedule offer this application cites (UUID). ABSENT when it cites none, which is allowed: simulating first is optional.

Ejemplo:

"6ba7b810-9dad-11d1-80b4-00c04fd430c8"

rejectionDecision · object

Rejection facts; present only when the application is rejected.

Show child attributes

requestedInstallmentAmount · string

Instalment the proposal was asked by, as a decimal string, minor-unit precision scale 2. ABSENT when the proposal named another amount.

Ejemplo:

"300.00"

requestedNetAmount · string

Net the proposal was asked by, as a decimal string, minor-unit precision scale 2. ABSENT when the proposal named another amount.

Ejemplo:

"10000.00"

taxRegime · string

Tax regime the borrower declared at creation. ABSENT when none was declared, and the release uses the loan product version's regime.

Ejemplo:

"brazilSimplesNacional"

withdrawalDecision · object

Withdrawal facts; present only when the application is withdrawn.

Show child attributes