Fetch Eligibility Results | Credit Platform | Documentation

curl -G https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey/eligibility \
     -H "Authorization: Bearer <token>" \
     -d journeyID=10000000-0000-4000-8000-000000000001

{
  "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
    },
    "polling": {
      "shouldPoll": true,
      "lastPoll": "2026-10-28T09:00:00Z",
      "nextPoll": "2026-10-28T09:00:10Z"
    },
    "replayed": false
  },
  "error": null
}

Bring the borrower’s eligibility assessment into view, with an overall journey result and a separate decision from each participating lender.

Where available, eligible lender results include an indicative loan amount, interest rate, annual percentage rate and repayment term. These provisional terms help the borrower understand the possibilities before exploring available offers; they are not a final loan approval.

Continue with Create A Journey using the same journey ID to discover offers for the borrower.

Authentication

AuthorizationBearer

Send Authorization: Bearer <PLATFORM_API_KEY> from a trusted back-end.

Path parameters

borrowerProviderIDstringRequired1-128 characters

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

journeyIDstringRequiredformat: "uuid"=36 characters

Business Loan journey ID. Supply this parameter exactly once on Dedupe polling or Eligibility; additional query parameters are not accepted.

Response

Current operation progress and lender results.

request_idstring

correlation_idstring

timestampdatetime

dataobject

errorany

Errors

400

Bad Request Error

401

Unauthorized Error

403

Forbidden Error

404

Not Found Error

409

Conflict Error

429

Too Many Requests Error

500

Internal Server Error

503

Service Unavailable Error

Authentication

Path parameters

Headers

Query parameters

Response

Errors