> 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. # Create A Journey POST https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/{borrowerProviderID}/journey Content-Type: application/json 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. Reference: https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/start-or-resume-hybrid-business-loan-journey ## Authentication - `Authorization` header (bearer token, required) — Send `Authorization: Bearer ` 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 - `Idempotency-Key` (string, optional) — Start-attempt retry key. Use a fresh key for each new application attempt. Reuse the same key only when retrying the same Start request after a timeout or temporary failure. If omitted, the platform creates a fresh non-idempotent attempt with a server-generated internal key for compatibility; retries without a client key can create duplicate attempts. - `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 HybridBusinessStartJourneyRequest. - `personal` (HybridPersonalLoanProfile, required) — Personal Loan borrower profile fields for Hybrid journey start. - `work` (HybridWorkProfile, required) - `address` (HybridAddress, required) - `journey` (HybridJourneyPrefill, required) - `businessLoan` (HybridBusinessLoanPrefill, required) — Business Loan-specific first-form fields collected in addition to the common borrower, work, address, journey, and optional bureau payloads. - `journeyType` (enum, optional) — Optional credit product discriminator. Omit it or send BUSINESS_LOAN on the business-loan Hybrid path. - Allowed values: `BUSINESS_LOAN` - `bankingInformation` (HybridBankingInformationCamelCase, optional) — Optional complete bank prefill. If supplied, send the full object. - `banking_information` (HybridBankingInformationSnakeCase, optional) — Optional complete bank prefill. This snake_case shape is accepted and normalized to the platform banking model. - `bureau` (BuyerSuppliedBureau, optional, nullable) — Optional buyer-supplied bureau data. When this object is provided, `journey.bureauConsent` must be `true`. ## Response ### 200 Hybrid Business Loan journey accepted and offer fetch started or resumed. - `request_id` (string, required) - `correlation_id` (string, required) - `timestamp` (datetime, required) - `data` (HybridStartJourneyData, 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 Hybrid bundle creation is disabled for the authenticated application. Exact retries of an existing bundle remain resumable. - `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) ### 424 Failed Dependency Error No compatible Business Loan discovery target is configured for the authenticated application scope. - `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. - `StartOrResumeHybridBusinessLoanJourneyRequestTooManyRequestsError` - 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) ## Types ### HybridPersonalLoanProfile Personal Loan borrower profile fields for Hybrid journey start. - `contactNumber` (string, required) — Indian mobile number. The platform normalizes valid Indian numbers for storage. - `pan` (string, optional) — Borrower PAN, normalized uppercase. - `panName` (string, optional) - `dob` (date, optional) - `gender` (enum, optional) - Allowed values: `male`, `female`, `transgender` - `personalemail` (string, optional) - `contact_number` (string, optional) — Accepted alias for `contactNumber`. ### HybridWorkProfile - `employmentType` (enum, required) - Allowed values: `salaried`, `selfEmployed` - `income` (HybridWorkProfileIncome, required) — Income value. Unit defaults to monthly when `incomeType` is omitted. - `companyName` (string, required) - `officialemail` (string, optional, nullable) - `incomeType` (enum, optional, default: monthly) - Allowed values: `monthly`, `annual` - `udyamNumber` (string, optional, nullable) — Conditionally required by Personal Loan and Business Loan Hybrid Start requests when `employmentType` is `selfEmployed`. A value supplied for `salaried` is ignored. Optional for other Hybrid products. ### HybridAddress - `pincode` (string, required) - `addressL1` (string, optional) - `addressL2` (string, optional) - `city` (string, optional) - `state` (string, optional) ### HybridJourneyPrefill - `endUse` (enum, required) - Allowed values: `consumerDurablePurchase`, `education`, `travel`, `health`, `marriage`, `familyFunctions`, `medicalTreatmentAndEmergencies`, `travelEducationExpenses`, `businessExpansion`, `agricultureAndFarmRelatedNeeds`, `purchaseOfEquipment`, `other` - `bureauConsent` (boolean, required) — Borrower bureau consent flag. This must be `true` when top-level `bureau` data is provided. - `end_use` (enum, optional) - Allowed values: `consumerDurablePurchase`, `education`, `travel`, `health`, `marriage`, `familyFunctions`, `medicalTreatmentAndEmergencies`, `travelEducationExpenses`, `businessExpansion`, `agricultureAndFarmRelatedNeeds`, `purchaseOfEquipment`, `other` - `bureau_consent` (boolean, optional) — Snake-case alias for `bureauConsent`. This must be `true` when top-level `bureau` data is provided. ### HybridBusinessLoanPrefill Business Loan-specific first-form fields collected in addition to the common borrower, work, address, journey, and optional bureau payloads. - `constitution` (string, required) — Business constitution or company type collected in the Business Loan journey, such as SOLE PROP FIRM, PARTNERSHIP FIRM, PRIVATE LIMITED, LLP, or another lender-supported value. - `businessPan` (string, required) — Business PAN. - `doi` (string, required) — Date of incorporation or business start date in DD/MM/YYYY format. - `natureOfBusiness` (enum, required) — Nature of business. - Allowed values: `Trading`, `Service` - `annualTurnover` (HybridBusinessLoanPrefillAnnualTurnover, required) — Annual turnover as a positive integer amount in INR. - `businessPincode` (string, required) — Business address PIN code. - `businessPanName` (string, optional, nullable) — Name associated with the business PAN, when available. - `udyamNumber` (string, optional, nullable) — Udyam number, when available. - `gst` (string, optional, nullable) — GSTIN, when available. - `businessEmail` (string, optional, nullable) — Business email address, when available. - `businessAddressL1` (string, optional, nullable) — Business address line 1. - `businessAddressL2` (string, optional, nullable) — Business address line 2. - `businessCity` (string, optional, nullable) — Business city. - `businessState` (string, optional, nullable) — Business state. ### HybridBankingInformationCamelCase Optional complete bank prefill. If supplied, send the full object. - `accHolderName` (string, optional) - `acctype` (enum, optional) - Allowed values: `saving`, `current` - `accNo` (string, optional) - `ifscCode` (string, optional) ### HybridBankingInformationSnakeCase Optional complete bank prefill. This snake_case shape is accepted and normalized to the platform banking model. - `bank_account_holder_name` (string, optional) - `bank_account_type` (enum, optional) - Allowed values: `saving`, `current` - `bank_account_number` (string, optional) - `bank_ifsc` (string, optional) ### BuyerSuppliedBureau Buyer-supplied bureau data collected by the buyer-app. The raw payload is stored with provenance and is not forwarded into headless profiling. - `type` (enum, required) — Credit bureau that produced the supplied report. - Allowed values: `EXPERIAN`, `CIBIL`, `CRIF`, `EQUIFAX` - `data` (map from string to any, required) — Raw bureau report payload supplied by the buyer-app. Arrays are not accepted at the top level, and the payload must be within the supported size limit. - `pulledAt` (datetime, optional) — Optional timestamp for when the buyer-app pulled or received the bureau report. - `reportReference` (string, optional) — Optional partner-side report reference for reconciliation and support. - `consentReference` (string, optional) — Optional partner-side borrower consent reference for audit and reconciliation. ### HybridStartJourneyData - `profile` (HybridNormalizedProfile, required) - `journey` (HybridNormalizedJourney, required) - `operation` (HybridOperation, required) ### 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) ### HybridWorkProfileIncome Income value. Unit defaults to monthly when `incomeType` is omitted. - double - string ### HybridBusinessLoanPrefillAnnualTurnover Annual turnover as a positive integer amount in INR. - integer - string ### HybridNormalizedProfile - `personal` (HybridPersonalProfileEcho, optional) - `workProfile` (HybridWorkProfileEcho, optional) - `address` (HybridAddressEcho, optional) - `bankingInformation` (HybridBankingInformationEcho, optional) ### HybridNormalizedJourney - `id` (string, required) — Aarthik Labs journey ID. Matches `data.journey.id` in lifecycle web-hooks for the same borrower journey. - `end_use` (enum, optional, nullable) - Allowed values: `consumerDurablePurchase`, `education`, `travel`, `health`, `marriage`, `familyFunctions`, `medicalTreatmentAndEmergencies`, `travelEducationExpenses`, `businessExpansion`, `agricultureAndFarmRelatedNeeds`, `purchaseOfEquipment`, `other` - `bureau_consent` (boolean, optional, nullable) ### HybridOperation - `type` (enum, required) - Allowed values: `OFFERS_FETCH` - `status` (enum, required) - Allowed values: `SUCCESS`, `ACCEPTED`, `FAILURE` - `polling` (HybridPolling, optional) ### HybridOfferPollingRateLimitedResponseData - `polling` (HybridPolling, required) ### HybridPersonalProfileEcho - `pan` (string, optional, nullable) - `panName` (string, optional, nullable) - `dob` (string, optional, nullable) - `gender` (enum, optional, nullable) - Allowed values: `male`, `female`, `transgender` - `personalemail` (string, optional, nullable) - `contactNumber` (string, optional, nullable) ### HybridWorkProfileEcho - `employmentType` (enum, optional, nullable) - Allowed values: `salaried`, `selfEmployed` - `officialemail` (string, optional, nullable) - `income` (string, optional, nullable) - `income_annualized` (string, optional, nullable) - `companyName` (string, optional, nullable) - `udyamNumber` (string, optional, nullable) — Returned when available for self-employed borrowers. ### HybridAddressEcho - `addressL1` (string, optional, nullable) - `addressL2` (string, optional, nullable) - `city` (string, optional, nullable) - `state` (string, optional, nullable) - `pincode` (string, optional, nullable) ### HybridBankingInformationEcho - `accHolderName` (string, optional, nullable) - `acctype` (string, optional, nullable) - `accNo` (string, optional, nullable) - `ifscCode` (string, optional, nullable) ### HybridPolling - `shouldPoll` (boolean, required) - `lastPoll` (datetime, required) - `nextPoll` (datetime, required) ## Examples ### Fresh journey **Request** ```json { "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" } } ``` **Response** ```json { "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 } ``` **SDK Code** ```python Fresh journey import requests url = "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey" payload = { "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" } } headers = { "Authorization": "Bearer ", "Content-Type": "application/json" } response = requests.post(url, json=payload, headers=headers) print(response.json()) ``` ```javascript Fresh journey const url = 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey'; const options = { method: 'POST', headers: {Authorization: 'Bearer ', 'Content-Type': 'application/json'}, body: '{"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"}}' }; try { const response = await fetch(url, options); const data = await response.json(); console.log(data); } catch (error) { console.error(error); } ``` ```go Fresh journey 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" payload := strings.NewReader("{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}") req, _ := http.NewRequest("POST", url, payload) req.Header.Add("Authorization", "Bearer ") 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 Fresh journey require 'uri' require 'net/http' url = URI("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey") http = Net::HTTP.new(url.host, url.port) http.use_ssl = true request = Net::HTTP::Post.new(url) request["Authorization"] = 'Bearer ' request["Content-Type"] = 'application/json' request.body = "{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}" response = http.request(request) puts response.read_body ``` ```java Fresh journey import com.mashape.unirest.http.HttpResponse; import com.mashape.unirest.http.Unirest; HttpResponse response = Unirest.post("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey") .header("Authorization", "Bearer ") .header("Content-Type", "application/json") .body("{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}") .asString(); ``` ```php Fresh journey request('POST', 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey', [ 'body' => '{ "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" } }', 'headers' => [ 'Authorization' => 'Bearer ', 'Content-Type' => 'application/json', ], ]); echo $response->getBody(); ``` ```csharp Fresh journey using RestSharp; var client = new RestClient("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey"); var request = new RestRequest(Method.POST); request.AddHeader("Authorization", "Bearer "); request.AddHeader("Content-Type", "application/json"); request.AddParameter("application/json", "{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}", ParameterType.RequestBody); IRestResponse response = client.Execute(request); ``` ```swift Fresh journey import Foundation let headers = [ "Authorization": "Bearer ", "Content-Type": "application/json" ] let parameters = [ "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" ] ] 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")! 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() ``` ### Continue an existing journey **Request** ```json { "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" } } ``` **Response** ```json { "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 } ``` **SDK Code** ```python Continue an existing journey import requests url = "https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey" querystring = {"journeyID":"10000000-0000-4000-8000-000000000001"} payload = { "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" } } headers = { "Authorization": "Bearer ", "Content-Type": "application/json" } response = requests.post(url, json=payload, headers=headers, params=querystring) print(response.json()) ``` ```javascript Continue an existing journey const url = 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey?journeyID=10000000-0000-4000-8000-000000000001'; const options = { method: 'POST', headers: {Authorization: 'Bearer ', 'Content-Type': 'application/json'}, body: '{"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"}}' }; try { const response = await fetch(url, options); const data = await response.json(); console.log(data); } catch (error) { console.error(error); } ``` ```go Continue an existing journey 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?journeyID=10000000-0000-4000-8000-000000000001" payload := strings.NewReader("{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}") req, _ := http.NewRequest("POST", url, payload) req.Header.Add("Authorization", "Bearer ") 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 Continue an existing journey require 'uri' require 'net/http' url = URI("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey?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 ' request["Content-Type"] = 'application/json' request.body = "{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}" response = http.request(request) puts response.read_body ``` ```java Continue an existing journey import com.mashape.unirest.http.HttpResponse; import com.mashape.unirest.http.Unirest; HttpResponse response = Unirest.post("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey?journeyID=10000000-0000-4000-8000-000000000001") .header("Authorization", "Bearer ") .header("Content-Type", "application/json") .body("{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}") .asString(); ``` ```php Continue an existing journey request('POST', 'https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey?journeyID=10000000-0000-4000-8000-000000000001', [ 'body' => '{ "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" } }', 'headers' => [ 'Authorization' => 'Bearer ', 'Content-Type' => 'application/json', ], ]); echo $response->getBody(); ``` ```csharp Continue an existing journey using RestSharp; var client = new RestClient("https://credit.aarthiklabs.com/api/v1/hybrid/business-loan/borrowers/borrower-example-001/journey?journeyID=10000000-0000-4000-8000-000000000001"); var request = new RestRequest(Method.POST); request.AddHeader("Authorization", "Bearer "); request.AddHeader("Content-Type", "application/json"); request.AddParameter("application/json", "{\n \"personal\": {\n \"contactNumber\": \"9876543210\",\n \"pan\": \"ABCPE1234F\",\n \"panName\": \"John Doe\",\n \"dob\": \"1970-01-01\",\n \"gender\": \"male\",\n \"personalemail\": \"john_doe@foobar.com\"\n },\n \"work\": {\n \"employmentType\": \"selfEmployed\",\n \"income\": 120000,\n \"companyName\": \"Acme Engineering & Trade\",\n \"incomeType\": \"monthly\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\"\n },\n \"address\": {\n \"pincode\": \"360001\",\n \"addressL1\": \"101, Sunshine Heights\",\n \"addressL2\": \"Gold Coast Road\",\n \"city\": \"Rajkot\",\n \"state\": \"Gujarat\"\n },\n \"journey\": {\n \"endUse\": \"businessExpansion\",\n \"bureauConsent\": true\n },\n \"businessLoan\": {\n \"constitution\": \"SOLE PROP FIRM\",\n \"businessPan\": \"AAPFU0939F\",\n \"doi\": \"01/04/2018\",\n \"natureOfBusiness\": \"Trading\",\n \"annualTurnover\": \"2400000\",\n \"businessPincode\": \"360001\",\n \"businessPanName\": \"Acme Engineering & Trade\",\n \"udyamNumber\": \"Udyam-MH-12-1234567\",\n \"gst\": \"27AAPFU0939F1ZV\",\n \"businessEmail\": \"accounts@acme.example\",\n \"businessAddressL1\": \"Unit 7, Industrial Estate\",\n \"businessAddressL2\": \"Ring Road\",\n \"businessCity\": \"Rajkot\",\n \"businessState\": \"Gujarat\"\n },\n \"journeyType\": \"BUSINESS_LOAN\",\n \"bureau\": {\n \"type\": \"EXPERIAN\",\n \"data\": {\n \"score\": 742\n },\n \"pulledAt\": \"2026-05-04T10:00:00.000Z\"\n }\n}", ParameterType.RequestBody); IRestResponse response = client.Execute(request); ``` ```swift Continue an existing journey import Foundation let headers = [ "Authorization": "Bearer ", "Content-Type": "application/json" ] let parameters = [ "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" ] ] 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?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() ```