> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.credit.aarthiklabs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.credit.aarthiklabs.com/_mcp/server.

# Start Eligibility

POST https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/{borrowerProviderID}/journey/eligibility
Content-Type: application/json

Get an early view of the borrower's eligibility before exploring credit offers. Share the financial information you have—Bureau, Banking, GST, or a combination—and Aarthik Labs begins an assessment with participating lending partners.

Each category's `data` object is flexible, so you can share information in your existing JSON structure. The examples illustrate possible contents rather than a fixed set of financial fields.

Eligibility is optional and can be your first step or follow Dedupe. Keep the returned journey ID and use **Fetch Eligibility Results** to view the assessment and any indicative credit terms.

Reference: https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/evaluate-hybrid-business-loan-eligibility

## Authentication

- `Authorization` header (bearer token, required) — Send `Authorization: Bearer <PLATFORM_API_KEY>` from a trusted back-end.

## Servers

- `https://credit.aarthiklabs.com` (Production, default)
- `https://preprod.credit.aarthiklabs.com` (PreProduction)

## Request

### Path parameters

- `borrowerProviderID` (string, required) — Stable borrower identity from the partner system. Keep a 1:1 mapping between the borrower and `borrowerProviderID` across sessions and application attempts to preserve resume, history, and post-disbursal continuity.

### Query parameters

- `journeyID` (string, optional) — Omit to create a journey. Supply the journeyID returned by Dedupe or Eligibility to continue the same borrower journey. Keep borrowerProviderID unchanged. An invalid, expired, unknown or unauthorized ID must not create a replacement journey.

### Headers

- `x-correlation-id` (string, optional) — Optional caller-supplied trace identifier. When omitted, the API generates one and mirrors it as `correlation_id`.

### Body (application/json)

This endpoint expects a HybridBusinessEligibilityRequest.

- `bureau` (HybridBusinessEligibilityBureau, optional) — Borrower-authorized bureau information. Retain the consent reference for the supplied report.
- `banking` (list of HybridBusinessEligibilityBanking, optional)
- `gst` (list of HybridBusinessEligibilityGST, optional)

## Response

### 202

Eligibility operation accepted. Store data.journeyID, then call Fetch Eligibility Results. Polling guidance is returned by the Fetch Results API, not this response.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (HybridBusinessEligibilityStartData, required)
- `error` (any, required)

## Errors

### 400 Bad Request Error

Request body or path validation failed.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 401 Unauthorized Error

Missing or invalid platform API key.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 403 Forbidden Error

Business Loan Eligibility is disabled or not entitled for the authenticated buyer application.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 404 Not Found Error

Borrower, journey, route, or offer was not found for the authenticated application scope.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 409 Conflict Error

The current journey or offer state does not allow the requested transition.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 413 Content Too Large Error

The request or financial data exceeds the supported size.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 422 Unprocessable Entity Error

Request body or path validation failed.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 424 Failed Dependency Error

Business Loan Eligibility could not complete because a required bureau, BRE, persistence, or orchestration dependency was unavailable.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 429 Too Many Requests Error

Too many requests. For offer polling, retry at the returned `polling.nextPoll` timestamp.

- `EvaluateHybridBusinessLoanEligibilityRequestTooManyRequestsError`
  - HybridErrorResponse: HybridErrorResponse
  - HybridOfferPollingRateLimitedResponse: HybridOfferPollingRateLimitedResponse

### 500 Internal Server Error

Temporary upstream or platform failure.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### 503 Service Unavailable Error

Temporary upstream or platform failure.

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

## Types

### HybridBusinessEligibilityBureau

Borrower-authorized bureau information. Retain the consent reference for the supplied report.

- `type` (enum, required) — Credit bureau represented by `data`.
  - Allowed values: `EXPERIAN`, `CIBIL`, `CRIF`, `EQUIFAX`
- `data` (map from string to any, required) — This is a free-form key-value pair. Please send any shape/structure. Use a JSON object; nested objects and arrays are allowed. The sample keys are illustrative, not required.
- `consentReference` (string, required) — Buyer-app reference for the borrower consent record authorizing use of the supplied bureau evidence.

### HybridBusinessEligibilityBanking

- `period` (FinancialReportingPeriod, required) — Reporting period, inclusive. Use ISO 8601 timestamps with timezone; from must not be later than to.
- `type` (enum, required)
  - Allowed values: `CURRENT`, `SAVINGS`, `CC`
- `data` (map from string to any, required) — This is a free-form key-value pair. Please send any shape/structure. Use a JSON object; nested objects and arrays are allowed. The sample keys are illustrative, not required.

### HybridBusinessEligibilityGST

- `period` (FinancialReportingPeriod, required) — Reporting period, inclusive. Use ISO 8601 timestamps with timezone; from must not be later than to.
- `type` (enum, required)
  - Allowed values: `GSTR-1`, `GSTR-2A_GSTR-2B`, `GSTR-3B`
- `data` (map from string to any, required) — This is a free-form key-value pair. Please send any shape/structure. Use a JSON object; nested objects and arrays are allowed. The sample keys are illustrative, not required.

### HybridBusinessEligibilityStartData

- `journeyID` (string, required) — Public borrower journey ID. Reuse this value for Create A Journey, offer polling and handoff.
- `stage` (enum, required)
  - Allowed values: `ELIGIBILITY`
- `attemptID` (string, required) — Opaque Eligibility attempt identifier for support and replay correlation.
- `status` (enum, required) — Overall result for this journey, computed from all lender decisions.
  - Allowed values: `ELIGIBLE`, `NOT_ELIGIBLE`, `PENDING`
- `expiresAt` (datetime, required)
- `lenders` (list of HybridBusinessEligibilityLenderResult, required)
- `summary` (HybridBusinessEligibilitySummary, required)
- `replayed` (boolean, required) — True when this response was served from an existing attempt for the same current input.

### HybridError

- `code` (enum, required)
  - Allowed values: `VALIDATION_FAILED`, `AUTH_INVALID_API_KEY`, `AUTH_INVALID_SESSION`, `ACCESS_SCOPE_MISMATCH`, `RESOURCE_NOT_FOUND`, `OFFER_LOCK_CONFLICT`, `STATE_PRECONDITION_FAILED`, `OFFER_POLL_RATE_LIMITED`, `HYBRID_JOURNEY_NOT_READY`, `RATE_LIMITED`, `UPSTREAM_TEMPORARY_FAILURE`
- `message` (string, required)
- `retryable` (boolean, required) — Whether retrying the same operation can make progress. A persisted final primary-form failure is not retryable, including HTTP 500; reconcile the accepted operation before any resubmission. Correct invalid input before retrying validation failures.
- `details` (map from string to any, required, nullable)

### HybridErrorResponse

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (any, required)
- `error` (HybridError, required)

### HybridOfferPollingRateLimitedResponse

- `request_id` (string, required)
- `correlation_id` (string, required)
- `timestamp` (datetime, required)
- `data` (HybridOfferPollingRateLimitedResponseData, required)
- `error` (HybridError, required)

### FinancialReportingPeriod

Reporting period, inclusive. Use ISO 8601 timestamps with timezone; from must not be later than to.

- `from` (datetime, required)
- `to` (datetime, required)

### HybridBusinessEligibilityLenderResult

Lender-specific preliminary assessment with indicative terms when available. These terms are provisional, not a sanctioned loan or an actionable final offer. Continue through Create A Journey and offer selection before requesting a Hosted handoff.

- `lenderID` (string, required) — Stable public lender identifier configured for this buyer application.
- `lenderName` (string, required) — Display name for the enabled lender.
- `decision` (enum, required) — Lender-level eligibility: ELIGIBLE, NOT_ELIGIBLE, SKIPPED, ERROR or PENDING.
  - Allowed values: `ELIGIBLE`, `NOT_ELIGIBLE`, `SKIPPED`, `ERROR`, `PENDING`
- `reasonCode` (string, required, nullable) — Stable non-sensitive reason code. No BRE trace or bureau facts are returned.
- `retryable` (boolean, required)
- `evaluatedAt` (datetime, required, nullable)
- `expiresAt` (datetime, required, nullable)
- `annualPercentageRate` (string, required, nullable) — Indicative annual percentage rate, expressed as a percentage string, not a fraction. Null when no indicative terms are available.
- `interestRate` (string, required, nullable) — Indicative annual interest rate, expressed as a percentage string. This is distinct from APR. Null when unavailable.
- `amountPrincipal` (string, required, nullable) — Indicative principal amount in INR, as a decimal string. Null when unavailable; null does not mean zero.
- `offerTerm` (string, required, nullable) — Indicative repayment term, including the unit, consistent with offer responses. Null when unavailable.

### HybridBusinessEligibilitySummary

- `total` (integer, required)
- `eligible` (integer, required)
- `ineligible` (integer, required)
- `reviewRequired` (integer, required)
- `error` (integer, required)
- `skipped` (integer, required)
- `pending` (integer, required)

### HybridOfferPollingRateLimitedResponseData

- `polling` (HybridPolling, required)

### HybridPolling

- `shouldPoll` (boolean, required)
- `lastPoll` (datetime, required)
- `nextPoll` (datetime, required)

## Examples

### Bureau only

**Request**

```json
{
  "bureau": {
    "type": "EXPERIAN",
    "data": {},
    "consentReference": "CONSENT-001"
  }
}
```

**Response**

```json
{
  "request_id": "30000000-0000-4000-8000-000000000001",
  "correlation_id": "40000000-0000-4000-8000-000000000001",
  "timestamp": "2026-10-28T09:00:00Z",
  "data": {
    "journeyID": "10000000-0000-4000-8000-000000000001",
    "stage": "ELIGIBILITY",
    "attemptID": "20000000-0000-4000-8000-000000000001",
    "status": "PENDING",
    "expiresAt": "2026-10-29T09:00:00Z",
    "lenders": [
      {
        "lenderID": "business_bank",
        "lenderName": "Business Bank",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      },
      {
        "lenderID": "growth_finance",
        "lenderName": "Growth Finance",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      }
    ],
    "summary": {
      "total": 2,
      "eligible": 0,
      "ineligible": 0,
      "reviewRequired": 0,
      "error": 0,
      "skipped": 0,
      "pending": 2
    },
    "replayed": false
  },
  "error": null
}
```

**SDK Code**

```javascript Bureau only
// Server-side example. Keep your API key on your backend.
const body = {
  "bureau": {
    "type": "EXPERIAN",
    "consentReference": "CONSENT-001",
    "data": {} // This is a free-form key-value pair. Please send any shape/structure.
  }
};

const response = await fetch(
  "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility",
  {
    method: "POST",
    headers: {
      "Authorization": "Bearer <PLATFORM_API_KEY>",
      "Content-Type": "application/json"
    },
    body: JSON.stringify(body)
  }
);
const result = await response.json();
```

```python Bureau only
import requests

url = "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility"

payload = { "bureau": {
        "type": "EXPERIAN",
        "data": {},
        "consentReference": "CONSENT-001"
    } }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```go Bureau only
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility"

	payload := strings.NewReader("{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Bureau only
require 'uri'
require 'net/http'

url = URI("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  }\n}"

response = http.request(request)
puts response.read_body
```

```java Bureau only
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  }\n}")
  .asString();
```

```php Bureau only
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility', [
  'body' => '{
  "bureau": {
    "type": "EXPERIAN",
    "data": {},
    "consentReference": "CONSENT-001"
  }
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Bureau only
using RestSharp;

var client = new RestClient("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  }\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Bureau only
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = ["bureau": [
    "type": "EXPERIAN",
    "data": [],
    "consentReference": "CONSENT-001"
  ]] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Banking only

**Request**

```json
{
  "banking": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "CURRENT",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "SAVINGS",
      "data": {}
    }
  ]
}
```

**Response**

```json
{
  "request_id": "30000000-0000-4000-8000-000000000001",
  "correlation_id": "40000000-0000-4000-8000-000000000001",
  "timestamp": "2026-10-28T09:00:00Z",
  "data": {
    "journeyID": "10000000-0000-4000-8000-000000000001",
    "stage": "ELIGIBILITY",
    "attemptID": "20000000-0000-4000-8000-000000000001",
    "status": "PENDING",
    "expiresAt": "2026-10-29T09:00:00Z",
    "lenders": [
      {
        "lenderID": "business_bank",
        "lenderName": "Business Bank",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      },
      {
        "lenderID": "growth_finance",
        "lenderName": "Growth Finance",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      }
    ],
    "summary": {
      "total": 2,
      "eligible": 0,
      "ineligible": 0,
      "reviewRequired": 0,
      "error": 0,
      "skipped": 0,
      "pending": 2
    },
    "replayed": false
  },
  "error": null
}
```

**SDK Code**

```javascript Banking only
// Server-side example. Keep your API key on your backend.
const body = {
  "banking": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "CURRENT",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "SAVINGS",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    }
  ]
};

const response = await fetch(
  "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility",
  {
    method: "POST",
    headers: {
      "Authorization": "Bearer <PLATFORM_API_KEY>",
      "Content-Type": "application/json"
    },
    body: JSON.stringify(body)
  }
);
const result = await response.json();
```

```python Banking only
import requests

url = "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility"

payload = { "banking": [
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-09-30T23:59:59Z"
            },
            "type": "CURRENT",
            "data": {}
        },
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-09-30T23:59:59Z"
            },
            "type": "SAVINGS",
            "data": {}
        }
    ] }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```go Banking only
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility"

	payload := strings.NewReader("{\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Banking only
require 'uri'
require 'net/http'

url = URI("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body
```

```java Banking only
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ]\n}")
  .asString();
```

```php Banking only
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility', [
  'body' => '{
  "banking": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "CURRENT",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "SAVINGS",
      "data": {}
    }
  ]
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Banking only
using RestSharp;

var client = new RestClient("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ]\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Banking only
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = ["banking": [
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      ],
      "type": "CURRENT",
      "data": []
    ],
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      ],
      "type": "SAVINGS",
      "data": []
    ]
  ]] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### GST only

**Request**

```json
{
  "gst": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-1",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-3B",
      "data": {}
    }
  ]
}
```

**Response**

```json
{
  "request_id": "30000000-0000-4000-8000-000000000001",
  "correlation_id": "40000000-0000-4000-8000-000000000001",
  "timestamp": "2026-10-28T09:00:00Z",
  "data": {
    "journeyID": "10000000-0000-4000-8000-000000000001",
    "stage": "ELIGIBILITY",
    "attemptID": "20000000-0000-4000-8000-000000000001",
    "status": "PENDING",
    "expiresAt": "2026-10-29T09:00:00Z",
    "lenders": [
      {
        "lenderID": "business_bank",
        "lenderName": "Business Bank",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      },
      {
        "lenderID": "growth_finance",
        "lenderName": "Growth Finance",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      }
    ],
    "summary": {
      "total": 2,
      "eligible": 0,
      "ineligible": 0,
      "reviewRequired": 0,
      "error": 0,
      "skipped": 0,
      "pending": 2
    },
    "replayed": false
  },
  "error": null
}
```

**SDK Code**

```javascript GST only
// Server-side example. Keep your API key on your backend.
const body = {
  "gst": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-1",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-3B",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    }
  ]
};

const response = await fetch(
  "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility",
  {
    method: "POST",
    headers: {
      "Authorization": "Bearer <PLATFORM_API_KEY>",
      "Content-Type": "application/json"
    },
    body: JSON.stringify(body)
  }
);
const result = await response.json();
```

```python GST only
import requests

url = "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility"

payload = { "gst": [
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-06-30T23:59:59Z"
            },
            "type": "GSTR-1",
            "data": {}
        },
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-06-30T23:59:59Z"
            },
            "type": "GSTR-3B",
            "data": {}
        }
    ] }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```go GST only
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility"

	payload := strings.NewReader("{\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby GST only
require 'uri'
require 'net/http'

url = URI("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body
```

```java GST only
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}")
  .asString();
```

```php GST only
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility', [
  'body' => '{
  "gst": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-1",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-3B",
      "data": {}
    }
  ]
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp GST only
using RestSharp;

var client = new RestClient("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift GST only
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = ["gst": [
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      ],
      "type": "GSTR-1",
      "data": []
    ],
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      ],
      "type": "GSTR-3B",
      "data": []
    ]
  ]] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Combined Bureau + Banking + GST

**Request**

```json
{
  "bureau": {
    "type": "EXPERIAN",
    "data": {},
    "consentReference": "CONSENT-001"
  },
  "banking": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "CURRENT",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "SAVINGS",
      "data": {}
    }
  ],
  "gst": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-1",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-3B",
      "data": {}
    }
  ]
}
```

**Response**

```json
{
  "request_id": "30000000-0000-4000-8000-000000000001",
  "correlation_id": "40000000-0000-4000-8000-000000000001",
  "timestamp": "2026-10-28T09:00:00Z",
  "data": {
    "journeyID": "10000000-0000-4000-8000-000000000001",
    "stage": "ELIGIBILITY",
    "attemptID": "20000000-0000-4000-8000-000000000001",
    "status": "PENDING",
    "expiresAt": "2026-10-29T09:00:00Z",
    "lenders": [
      {
        "lenderID": "business_bank",
        "lenderName": "Business Bank",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      },
      {
        "lenderID": "growth_finance",
        "lenderName": "Growth Finance",
        "decision": "PENDING",
        "reasonCode": null,
        "retryable": false,
        "evaluatedAt": null,
        "expiresAt": null,
        "annualPercentageRate": null,
        "interestRate": null,
        "amountPrincipal": null,
        "offerTerm": null
      }
    ],
    "summary": {
      "total": 2,
      "eligible": 0,
      "ineligible": 0,
      "reviewRequired": 0,
      "error": 0,
      "skipped": 0,
      "pending": 2
    },
    "replayed": false
  },
  "error": null
}
```

**SDK Code**

```javascript Combined Bureau + Banking + GST
// Server-side example. Keep your API key on your backend.
const body = {
  "bureau": {
    "type": "EXPERIAN",
    "consentReference": "CONSENT-001",
    "data": {} // This is a free-form key-value pair. Please send any shape/structure.
  },
  "banking": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "CURRENT",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "SAVINGS",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    }
  ],
  "gst": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-1",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-3B",
      "data": {} // This is a free-form key-value pair. Please send any shape/structure.
    }
  ]
};

const response = await fetch(
  "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility?journeyID=10000000-0000-4000-8000-000000000001",
  {
    method: "POST",
    headers: {
      "Authorization": "Bearer <PLATFORM_API_KEY>",
      "Content-Type": "application/json"
    },
    body: JSON.stringify(body)
  }
);
const result = await response.json();
```

```python Combined Bureau + Banking + GST
import requests

url = "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility"

querystring = {"journeyID":"10000000-0000-4000-8000-000000000001"}

payload = {
    "bureau": {
        "type": "EXPERIAN",
        "data": {},
        "consentReference": "CONSENT-001"
    },
    "banking": [
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-09-30T23:59:59Z"
            },
            "type": "CURRENT",
            "data": {}
        },
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-09-30T23:59:59Z"
            },
            "type": "SAVINGS",
            "data": {}
        }
    ],
    "gst": [
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-06-30T23:59:59Z"
            },
            "type": "GSTR-1",
            "data": {}
        },
        {
            "period": {
                "from": "2026-04-01T00:00:00Z",
                "to": "2026-06-30T23:59:59Z"
            },
            "type": "GSTR-3B",
            "data": {}
        }
    ]
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers, params=querystring)

print(response.json())
```

```go Combined Bureau + Banking + GST
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility?journeyID=10000000-0000-4000-8000-000000000001"

	payload := strings.NewReader("{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  },\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ],\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Combined Bureau + Banking + GST
require 'uri'
require 'net/http'

url = URI("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility?journeyID=10000000-0000-4000-8000-000000000001")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  },\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ],\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body
```

```java Combined Bureau + Banking + GST
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility?journeyID=10000000-0000-4000-8000-000000000001")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  },\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ],\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}")
  .asString();
```

```php Combined Bureau + Banking + GST
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility?journeyID=10000000-0000-4000-8000-000000000001', [
  'body' => '{
  "bureau": {
    "type": "EXPERIAN",
    "data": {},
    "consentReference": "CONSENT-001"
  },
  "banking": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "CURRENT",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      },
      "type": "SAVINGS",
      "data": {}
    }
  ],
  "gst": [
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-1",
      "data": {}
    },
    {
      "period": {
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      },
      "type": "GSTR-3B",
      "data": {}
    }
  ]
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Combined Bureau + Banking + GST
using RestSharp;

var client = new RestClient("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility?journeyID=10000000-0000-4000-8000-000000000001");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"bureau\": {\n    \"type\": \"EXPERIAN\",\n    \"data\": {},\n    \"consentReference\": \"CONSENT-001\"\n  },\n  \"banking\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"CURRENT\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-09-30T23:59:59Z\"\n      },\n      \"type\": \"SAVINGS\",\n      \"data\": {}\n    }\n  ],\n  \"gst\": [\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-1\",\n      \"data\": {}\n    },\n    {\n      \"period\": {\n        \"from\": \"2026-04-01T00:00:00Z\",\n        \"to\": \"2026-06-30T23:59:59Z\"\n      },\n      \"type\": \"GSTR-3B\",\n      \"data\": {}\n    }\n  ]\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Combined Bureau + Banking + GST
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "bureau": [
    "type": "EXPERIAN",
    "data": [],
    "consentReference": "CONSENT-001"
  ],
  "banking": [
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      ],
      "type": "CURRENT",
      "data": []
    ],
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-09-30T23:59:59Z"
      ],
      "type": "SAVINGS",
      "data": []
    ]
  ],
  "gst": [
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      ],
      "type": "GSTR-1",
      "data": []
    ],
    [
      "period": [
        "from": "2026-04-01T00:00:00Z",
        "to": "2026-06-30T23:59:59Z"
      ],
      "type": "GSTR-3B",
      "data": []
    ]
  ]
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility?journeyID=10000000-0000-4000-8000-000000000001")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```