Create A Business Loan Journey | Credit Platform | Documentation

curl -X POST https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/journey \
     -H "x-correlation-id: xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx" \
     -H "Authorization: Bearer <token>" \
     -H "Content-Type: application/json" \
     -d '{
  "personal": {
    "contactNumber": "9876543210",
    "pan": "ABCPE1234F",
    "panName": "John Doe",
    "dob": "1970-01-01",
    "gender": "male",
    "personalemail": "john_doe@foobar.com"
  },
  "work": {
    "employmentType": "selfEmployed",
    "income": 120000,
    "companyName": "Acme Engineering & Trade",
    "incomeType": "monthly",
    "udyamNumber": "Udyam-MH-12-1234567"
  },
  "address": {
    "addressL1": "101, Sunshine Heights",
    "addressL2": "Gold Coast Road",
    "city": "Rajkot",
    "state": "Gujarat",
    "pincode": "360001"
  },
  "journey": {
    "endUse": "businessExpansion",
    "bureauConsent": true
  },
  "businessLoan": {
    "constitution": "SOLE PROP FIRM",
    "businessPan": "AAPFU0939F",
    "doi": "01/04/2018",
    "natureOfBusiness": "Trading",
    "annualTurnover": "2400000",
    "businessPincode": "360001",
    "businessPanName": "Acme Engineering & Trade",
    "udyamNumber": "Udyam-MH-12-1234567",
    "gst": "27AAPFU0939F1ZV",
    "businessEmail": "accounts@acme.example",
    "businessAddressL1": "Unit 7, Industrial Estate",
    "businessAddressL2": "Ring Road",
    "businessCity": "Rajkot",
    "businessState": "Gujarat"
  },
  "journeyType": "BUSINESS_LOAN",
  "bureau": {
    "type": "EXPERIAN",
    "data": {
      "score": 742
    },
    "pulledAt": "2026-05-04T10:00:00.000Z"
  }
}'

{
  "request_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
  "correlation_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
  "timestamp": "1970-01-01T00:00:00.000Z",
  "data": {
    "profile": {
      "personal": {
        "pan": "ABCPE1234F",
        "panName": "John Doe",
        "dob": "1990-01-01",
        "gender": "male",
        "personalemail": "john_doe@foobar.com",
        "contactNumber": "+919876543210"
      },
      "workProfile": {
        "employmentType": "selfEmployed",
        "officialemail": null,
        "income": "120000",
        "income_annualized": "1440000",
        "companyName": "Acme Engineering & Trade",
        "udyamNumber": "Udyam-MH-12-1234567"
      },
      "address": {
        "addressL1": "101, Sunshine Heights",
        "addressL2": "Gold Coast Road",
        "city": "Rajkot",
        "state": "Gujarat",
        "pincode": "360001"
      },
      "bankingInformation": {
        "accHolderName": null,
        "acctype": null,
        "accNo": null,
        "ifscCode": null
      }
    },
    "journey": {
      "id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
      "end_use": "businessExpansion",
      "bureau_consent": true
    },
    "operation": {
      "type": "OFFERS_FETCH",
      "status": "SUCCESS"
    }
  },
  "error": null
}

Business Loan follows the Personal Loan-style Hybrid start payload and adds business-specific form fields in the top-level businessLoan object. These fields mirror the Business Loan Hosted Experience first-form inputs, including constitution or company type, business PAN, date of incorporation, nature of business, Udyam number, GST number, annual turnover, and business address. Optional buyer-supplied bureau data is accepted through the top-level bureau object. When bureau is provided, journey.bureauConsent must be true.

Backend-only API-key call. The platform creates or resumes a Hybrid Business Loan journey for the borrower, stores the supplied borrower and business profile prefill, and starts the offer-fetch pipeline. `borrowerProviderID` is client-scoped and must remain stable for the same mobile number across all sessions. Business Loan follows the Personal Loan-style Hybrid start payload and adds business-specific form fields in the top-level `businessLoan` object. These fields mirror the Business Loan Hosted Experience first-form inputs, including constitution or company type, business PAN, date of incorporation, nature of business, Udyam number, GST number, annual turnover, and business address. Optional buyer-supplied bureau data is accepted through the top-level `bureau` object. When `bureau` is provided, `journey.bureauConsent` must be `true`.

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.

Request

This endpoint expects an object.

personalobjectRequired

Personal Loan borrower profile fields for Hybrid journey start.

workobjectRequired

addressobjectRequired

journeyobjectRequired

businessLoanobjectRequired

Business Loan-specific first-form fields collected in addition to the common borrower, work, address, journey, and optional bureau payloads.

journeyTypeenumOptional

Optional credit product discriminator. Omit it or send BUSINESS_LOAN on the business-loan Hybrid path.

bankingInformationobjectOptional

Optional complete bank prefill. If supplied, send the full object.

banking_informationobjectOptional

Optional complete bank prefill. This snake_case shape is accepted and normalized to the platform banking model.

bureauobject or nullOptional

Optional buyer-supplied bureau data. When this object is provided, journey.bureauConsent must be true.

Response

Hybrid Business Loan journey accepted and offer fetch started or resumed.

request_idstringformat: "uuid"

correlation_idstring

timestampdatetime

dataobject

errorany

Errors

400

Bad Request Error

401

Unauthorized Error

429

Too Many Requests Error

500

Internal Server Error

Authentication

Path parameters

Headers

Request

Response

Errors