Create A Journey | Credit Platform | Documentation

curl -X POST https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey \
     -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": {
    "pincode": "360001",
    "addressL1": "101, Sunshine Heights",
    "addressL2": "Gold Coast Road",
    "city": "Rajkot",
    "state": "Gujarat"
  },
  "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": "30000000-0000-4000-8000-000000000001",
  "correlation_id": "40000000-0000-4000-8000-000000000001",
  "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": "10000000-0000-4000-8000-000000000001",
      "end_use": "businessExpansion",
      "bureau_consent": true
    },
    "operation": {
      "type": "OFFERS_FETCH",
      "status": "ACCEPTED"
    }
  },
  "error": null
}

Bring the borrower’s credit application together and begin discovering offers from participating lending partners. Share the borrower and business details, and Aarthik Labs starts finding credit options through one journey.

You can begin here directly or continue with the journey ID returned by Dedupe or Eligibility. Business credit options may include Business Loans and Personal Loans suited to self-employed borrowers, with each offer clearly identifying its product type.

Use Fetch (Poll) Offers to see the options as they become available.

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.

Headers

Query parameters

journeyIDstringOptionalformat: "uuid"

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.

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.

Allowed values:

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

403

Forbidden Error

409

Conflict Error

424

Failed Dependency Error

429

Too Many Requests Error

500

Internal Server Error