--- updatedAt: 2026-05-27T07:43:30.000Z agentTools: projectIndex: https://developers.getdefacto.com/llms.txt --- # /borrower/{borrower_id} Retrieve the full profile of a borrower by ID. Returns the borrower's status, business information, accounts, compliance checks, and next actions required. # OpenAPI definition ```json { "openapi": "3.0.0", "info": { "title": "API Reference", "version": "v1.0.0" }, "paths": { "/borrower/{borrower_id}": { "get": { "description": "Retrieve the full profile of a borrower by ID. Returns the borrower's status, business information, accounts, compliance checks, and next actions required.", "parameters": [ { "in": "path", "name": "borrower_id", "required": true, "schema": { "type": "string" } } ], "responses": { "200": { "description": "", "content": { "*/*": { "schema": { "$ref": "#/components/schemas/APIBorrower" } } } } }, "security": [ { "Bearer": [] } ], "tags": [ "Onboarding" ] } } }, "servers": [ { "url": "https://api-sandbox.getdefacto.com" } ], "components": { "securitySchemes": { "Bearer": { "in": "header", "name": "Authorization", "type": "apiKey" } }, "schemas": { "APIAddress": { "properties": { "address_line_1": { "default": null, "type": "string", "nullable": true }, "address_line_2": { "default": null, "type": "string", "nullable": true }, "city": { "default": null, "type": "string", "nullable": true }, "country": { "default": null, "type": "string", "nullable": true }, "postal_code": { "default": null, "maxLength": 10, "type": "string", "nullable": true }, "state": { "default": null, "type": "string", "nullable": true } }, "type": "object" }, "APIBorrower": { "properties": { "accounts": { "description": "Bank accounts of the business.", "items": { "$ref": "#/components/schemas/APILightAccount" }, "type": "array" }, "active_enrollments": { "items": { "$ref": "#/components/schemas/APIEnrollment" }, "type": "array" }, "address": { "allOf": [ { "$ref": "#/components/schemas/Address" } ], "default": null, "nullable": true }, "can_reonboard": { "default": false, "type": "boolean", "nullable": true }, "compliance_checks": { "allOf": [ { "$ref": "#/components/schemas/BorrowerComplianceChecks" } ], "default": null, "description": "[deprecated] Compliance checks state of the borrower. Tells about KYB and KYC procedure progression.", "nullable": true }, "contract_id": { "default": null, "format": "uuid", "type": "string", "nullable": true }, "contract_s3_url": { "default": null, "description": "Pre-signed url to download the contract", "type": "string", "nullable": true }, "directors": { "default": null, "description": "Directors of the business.", "items": { "$ref": "#/components/schemas/APIDirector" }, "minItems": 1, "type": "array", "nullable": true }, "id": { "default": null, "format": "uuid", "type": "string", "nullable": true }, "identifier": { "description": "Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.", "type": "string" }, "identifier_type": { "default": null, "description": "Type of legal business identifier of the business, such as the SIRET in France.", "enum": [ "belgium_registration_number", "bsn", "cif", "hr_nummer", "kvk", "name", "nif", "siren", "siret", "steuernummer", "vat_number", null ], "type": "string", "nullable": true }, "is_registered": { "default": null, "type": "boolean", "nullable": true }, "legal_form": { "default": null, "description": "Legal form of the business.", "type": "string", "nullable": true }, "metadata": { "additionalProperties": { "nullable": true }, "default": null, "description": "This object is yours, it enables you to add custom data.", "type": "object", "nullable": true }, "name": { "default": null, "description": "Legal name of the business.", "type": "string", "nullable": true }, "next_actions": { "default": null, "items": { "enum": [ "FILL_KYB_CASE" ], "type": "string" }, "type": "array", "nullable": true }, "owner": { "allOf": [ { "$ref": "#/components/schemas/BorrowerOwner" } ], "default": null, "nullable": true }, "referral": { "default": null, "description": "Where the user comes from (.e.g Qonto, Google search, etc.).", "type": "string", "nullable": true }, "signed_at": { "default": null, "description": "datetime of the borrower's signature. Usually time the borrower clicked on our T&Cs checkbox", "format": "date-time", "type": "string", "nullable": true }, "status": { "default": null, "enum": [ "ALL_PAYMENT_SETUP", "BLOCKED", "DEACTIVATED", "PROHIBITED", "READY", "SDD_SETUP", "SIGNED", "TO_SIGN", null ], "type": "string", "nullable": true }, "status_reason": { "default": null, "enum": [ "ACTIVITY_DOCUMENTS_REQUIRED", "ACTIVITY_NOT_ELIGIBLE_BORROWER", "ALREADY_USING_FACTORING_OR_DAILLY", "AMOUNT_SUPERIOR_TO_AVAILABLE_BALANCE", "AVERAGE_INVOICE_SIZE_TOO_HIGH", "BLACKLISTED_ACTIVITY_NOT_ELIGIBLE_BORROWER", "BLACKLISTED_ACTIVITY_SUSPECTED_BORROWER", "BLACKLISTED_ACTIVITY_SUSPECTED_COUNTERPARTY", "BLACKLISTED_FACTORED_COUNTERPARTY", "BORROWER_AND_COUNTERPARTY_HAVE_COMMON_DIRECTOR", "BORROWER_CHURNED", "BORROWER_DEFAULTED", "BORROWER_STATUS", "BORROWER_TO_SIGN", "BUSINESS_AGE_BELOW_THRESHOLD", "BUSINESS_AML_EXTREME_RISK", "BUSINESS_COMPLIANCE_ISSUE_DETECTED", "BUSINESS_HARD_COLLECTION", "BUSINESS_HAS_NO_PROFESSIONAL_EMAIL", "BUSINESS_INSOLVENCY_PROCEDURE_EXISTS", "BUSINESS_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS", "BUSINESS_LEGAL_FORM_NOT_ELIGIBLE", "BUSINESS_MISSING_INFORMATION", "BUSINESS_NOT_DIFFUSIBLE", "BUSINESS_NOT_REGISTERED", "BUSINESS_NOT_REGISTERED_TO_RCS", "BUSINESS_NOT_REGISTERED_TO_RCS_OR_RNE", "BUSINESS_RADIATED", "BUSINESS_REGION_NOT_COVERED", "BUSINESS_UNKNOWN", "BUSINESS_UNKNOWN_BUYER", "BUSINESS_UNKNOWN_SELLER", "CAPPING_EXCEEDED", "CASHED_IN_NOT_REPAID", "CCSF_TRANSACTION_DETECTED", "CCSF_TRANSACTION_PENDING_DATA_REQUEST", "CCSF_TRANSACTION_WAITING_END_INSTALLMENT_PLAN", "COUNTERPARTY_DATA_MISSING", "COUNTERPARTY_INSOLVENCY_PROCEDURE_EXISTS", "COUNTERPARTY_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS", "COUNTERPARTY_KPI_MISSING", "COUNTERPARTY_NOT_REGISTERED", "COUNTERPARTY_NOT_SELECTED_FOR_FINANCING", "COUNTRY_CAPPING_EXCEEDED", "COUNTRY_DATA_MISSING_BORROWER", "COUNTRY_DATA_MISSING_COUNTERPARTY", "COUNTRY_NOT_ELIGIBLE_BORROWER", "COUNTRY_NOT_ELIGIBLE_COUNTERPARTY", "CREDIT_RISK_NOT_ELIGIBLE", "CREDIT_RISK_NOT_ELIGIBLE_COUNTERPARTY", "DATA_STILL_REFRESHING", "DEBT_ARREARS_PENDING_GRACE_PERIOD", "DEPRECATED_LATE_REPAYMENT", "DOES_NOT_MATCH_ELIGIBILITY_CRITERIA", "DOUBLE_MOBILIZATION", "DPD_15_LATE_REPAYMENT_BORROWER", "DPD_15_LATE_REPAYMENT_BUYER", "DPD_15_LATE_REPAYMENT_SELLER", "ELLISPHERE_RISK_INDEX", "EMAIL_DATA_MISSING_BORROWER", "ESSENTIAL_CLIENT_HAS_INSOLVENCY_PROCEDURE", "EXCEEDED_PARTNER_CREDIT_LINE", "EXCESSIVE_AMOUNT_LOAN_REQUEST", "EXCESSIVE_DURATION_LOAN_REQUEST", "EXPOSURE_TOO_OLD", "FILL_INVOICE_BUYER_INFORMATION", "FILL_INVOICE_SELLER_INFORMATION", "FINANCIAL_PRODUCT_DEACTIVATED", "FINANCIAL_PRODUCT_NOT_IN_RELEASE", "FINANCIAL_STATEMENT_BAD_KPI", "FINANCIAL_STATEMENT_PARSING_ISSUE", "HIGH_BUSINESS_RISK_INDEX", "HIGH_LOAN_DEFAULT_INDEX", "HIGH_LYSTA_RISK_INDEX", "INDUSTRY_CODE_DATA_MISSING_BORROWER", "INDUSTRY_CODE_DATA_MISSING_COUNTERPARTY", "INDUSTRY_CODE_NOT_ELIGIBLE_BORROWER", "INDUSTRY_CODE_NOT_ELIGIBLE_COUNTERPARTY", "INSOLVENCY_EARLY_SIGNAL_DETECTED", "INSOLVENCY_PROCEDURE_EXISTS_BORROWER", "INSOLVENCY_PROCEDURE_EXISTS_BUYER", "INSOLVENCY_PROCEDURE_EXISTS_SELLER", "INSTALLMENT_PLAN_DETECTED_FOR_TAX", "INSTALLMENT_PLAN_DETECTED_FOR_URSSAF", "INSURANCE_QUOTE_EXPIRED", "INVOICE_ALREADY_FINANCED", "INVOICE_AMOUNT_INCOHERENT", "INVOICE_AUTO_LIQUIDATION", "INVOICE_BLACKLIST_WORDS", "INVOICE_COMPLIANCE_ISSUE_DETECTED", "INVOICE_CONSOLIDATION_DETECTED", "INVOICE_DOCUMENTS_REJECTED", "INVOICE_DOCUMENTS_REQUIRED", "INVOICE_DOES_NOT_MATCH_ELIGIBILITY_CRITERIA", "INVOICE_LME_NON_COMPLIANT", "INVOICE_MISSING_ACCOUNT_NUMBER", "INVOICE_MISSING_LEGAL_MENTION", "INVOICE_MULTIPLE_STAGE", "INVOICE_NON_ELIGIBLE_USE_CASE", "INVOICE_NOT_ELIGIBLE_TO_CREDIT_INSURANCE", "INVOICE_NOT_ISSUED_YET", "INVOICE_NOT_RELATED_TO_WCR", "INVOICE_OVERDUE", "INVOICE_PAYABLE_BORROWER_IS_ACCOUNT_HOLDER", "INVOICE_RECEIVABLE_ACCOUNT_MISSING_LIVE_CONNECTION", "INVOICE_RECEIVABLE_ACCOUNT_MISSING_MANDATE", "INVOICE_RECEIVABLE_BORROWER_IS_NOT_ACCOUNT_HOLDER", "INVOICE_REPAYMENT_DATE_TOO_FAR_60D", "KPI_MISSING", "KPI_SCREENING_NOT_ELIGIBLE_BORROWER", "KYB_PENDING", "KYB_PENDING_USER_ACTION", "KYC_PENDING", "KYC_PENDING_USER_ACTION", "LATE_REPAYMENT_BORROWER", "LEGAL_FORM_DATA_MISSING_BORROWER", "LEGAL_FORM_DATA_MISSING_COUNTERPARTY", "LEGAL_FORM_NOT_ELIGIBLE_BORROWER", "LEGAL_FORM_NOT_ELIGIBLE_BUYER", "LEGAL_FORM_NOT_ELIGIBLE_COUNTERPARTY", "LINKED_BUSINESS_IS_BLOCKED", "LOAN_REQUEST_EXPIRED", "LOW_CASH_BALANCE", "LOW_FREE_CASH_FLOW", "MAX_AMOUNT_EXCEEDED", "MAX_AMOUNT_EXCEEDED_BORROWER", "MAX_AMOUNT_EXCEEDED_BUYER", "MAX_AMOUNT_EXCEEDED_SELLER", "MISSING_COUNTERPARTY_CONTACT_INFORMATION", "MISSING_PUBLIC_PROCUREMENT_DOCUMENT", "NEED_BANKING_INTEGRATION", "NOT_AN_INVOICE", "NOT_DIFFUSIBLE_BUYER", "NOT_DIFFUSIBLE_SELLER", "NOT_ENOUGH_DATA", "NOT_PRE_ELIGIBLE_SPV", "NOT_REGISTERED_BUYER", "NOT_REGISTERED_SELLER", "NO_B2B_CUSTOMER", "NO_CONNECTED_ACCOUNT_WITH_REQUIRED_BANK_IDENTIFIER", "NO_TAX_PAYMENT_FOUND", "NO_URSSAF_PAYMENTS_FOUND", "NO_URSSAF_PAYMENT_FOUND", "OFFBOARDED", "ORANGE_FLAG_TRANSACTIONS", "OTHER_BUSINESS_FROM_DIRECTOR_HAS_INSOLVENCY_PROCEDURE", "OUTDATED_DATA", "OUTDATED_INVOICE", "OUTDATED_INVOICE_2WEEKS", "OUTDATED_INVOICE_3WEEKS", "OUTDATED_INVOICE_CALF", "OVERDRAFT_REQUIRED", "PARTIAL_FINANCING_NOT_ALLOWED", "PLEASE_RECONNECT_BANK_ACCOUNTS", "POSTAL_CODE_DATA_MISSING_BORROWER", "POSTAL_CODE_DATA_MISSING_COUNTERPARTY", "POSTAL_CODE_NOT_ELIGIBLE_BORROWER", "POSTAL_CODE_NOT_ELIGIBLE_COUNTERPARTY", "PROACTIVE_RECOLLECTION", "PRUDENTIAL_EXPOSURE_EXCEEDED", "QONTO_INTEGRATION_GERMAN_USER_DOES_NOT_HAVE_4_MONTHS_OF_HISTORY", "QONTO_INTEGRATION_USER_DOES_NOT_HAVE_6_MONTHS_OF_HISTORY", "QONTO_INTEGRATION_USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE", "RECENT_DEBT_ARREARS_KO", "RECENT_DEBT_ARREARS_PENDING_DATA_REQUEST", "RECENT_REVENUE_DROP", "RECENT_SEIZURE_DETECTED", "RECENT_TAX_ARREARS_PENDING_DATA_REQUEST", "RECENT_UNPAID_PRIVILEGED_TRANSACTIONS", "RECENT_UNPAID_PRIVILEGED_TRANSACTIONS_PENDING_DATA_REQUEST", "RECENT_URSSAF_ARREARS_PENDING_DATA_REQUEST", "RED_FLAG_TRANSACTIONS", "RELATED_COUNTERPARTY_HAS_FLAG", "RELATED_COUNTERPARTY_IS_LATE", "REMOVED_FROM_COMMERCIAL_REGISTER_BORROWER", "REMOVED_FROM_COMMERCIAL_REGISTER_BUSINESS", "REMOVED_FROM_COMMERCIAL_REGISTER_BUYER", "REMOVED_FROM_COMMERCIAL_REGISTER_SELLER", "REPAYMENT_CONCENTRATION_IS_TOO_HIGH", "REQUESTED_AMOUNT_EXCEEDS_REPAYMENT_CAPACITY", "REQUIRED_FINANCIAL_STATEMENT", "RISK_SCORE_DOWNGRADING", "SHARE_CAPITAL_DATA_MISSING_BORROWER", "SHARE_CAPITAL_NOT_ELIGIBLE_BORROWER", "SMALL_RECURRING_AMOUNT_DETECTED_FOR_URSSAF", "SUBSCRIPTION_NOT_ACTIVE", "TOO_LONG", "UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT", "UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT_BANK_IDENTIFIER", "UNAUTHORIZED_LOAN_PAYMENT_BENEFICIARY", "URSSAF_PAYMENTS_STOPPED", "USER_DOES_NOT_MEET_MINIMUM_MAX_AMOUNT_SIZE", "USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE", "WAITING_FOR_THIRD_PARTY_PROVIDER", "WAIT_FOR_REPAYMENT", null ], "type": "string", "nullable": true }, "vat_number": { "default": null, "description": "VatNumber", "type": "string", "nullable": true } }, "required": [ "identifier" ], "type": "object" }, "APIDirector": { "properties": { "address": { "allOf": [ { "$ref": "#/components/schemas/APIAddress" } ], "default": null, "description": "Address of the person.", "nullable": true }, "birth_date": { "default": null, "description": "Birth date of the person. (YYYY-MM-DD)", "format": "date", "type": "string", "nullable": true }, "birth_place": { "allOf": [ { "$ref": "#/components/schemas/BirthPlace" } ], "default": null, "description": "Birth place of the person.", "nullable": true }, "business_email": { "default": null, "format": "email", "type": "string", "nullable": true }, "business_phone_number": { "default": null, "description": "PhoneNumber", "type": "string", "nullable": true }, "entity_type": { "default": "people", "enum": [ "account", "account_detail_verification", "account_transaction", "bill", "borrower", "borrower_financial_product", "business", "business_exposure", "business_financial_product", "contract", "counterparty", "country", "credit_card", "credit_line", "data_request", "deposit", "due_interest", "eligibility_request", "enhanced_investigation", "enrollment", "entity_eligibility", "exposure_rule_request", "financial_product", "flag", "installment", "internal_control", "internal_control_plan", "invoice", "loan", "loan_log", "loan_request", "mandate", "max_exposure_deployment", "onboarding", "onboarding_financial_product", "payment", "people", "rac", "raw_data", "recollection_case", "recollection_document", "revenue_share", "sandbox_invoice", "underwriting_check" ], "type": "string" }, "first_name": { "default": null, "description": "The first name of the person.", "type": "string", "nullable": true }, "id": { "default": null, "nullable": true }, "identifier": { "default": null, "description": "Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.", "type": "string", "nullable": true }, "identifier_type": { "default": null, "description": "Type of legal business identifier of the business, such as the SIRET in France.", "enum": [ "belgium_registration_number", "bsn", "cif", "hr_nummer", "kvk", "name", "nif", "siren", "siret", "steuernummer", "vat_number", null ], "type": "string", "nullable": true }, "last_name": { "default": null, "description": "The first name of the person.", "type": "string", "nullable": true }, "legal_name": { "default": null, "description": "Legal name of the business.", "type": "string", "nullable": true }, "nationality": { "default": null, "description": "Nationality of the person. Must be a ISO 3166 alpha-3 country code (e.g. FRA).", "type": "string", "nullable": true }, "role": { "default": "DIRECTOR", "enum": [ "DIRECTOR", "NON_DIRECTOR" ], "type": "string" }, "siege_address": { "allOf": [ { "$ref": "#/components/schemas/APIAddress" } ], "default": null, "description": "Address of the business head quarters.", "nullable": true }, "title": { "default": null, "description": "Title of the person (e.g. M., Dr., etc.)", "type": "string", "nullable": true } }, "type": "object" }, "APIEnrollment": { "properties": { "agent_feedback": { "default": null, "type": "string", "nullable": true }, "enrollment_campaign": { "type": "string" }, "enrollment_name": { "type": "string" }, "entity_id": { "format": "uuid", "type": "string" }, "entity_type": { "enum": [ "BORROWER", "ONBOARDING" ], "type": "string" }, "id": { "format": "uuid", "type": "string" }, "recommendations": { "default": null, "items": { "nullable": true }, "type": "array", "nullable": true }, "status": { "type": "string" }, "submitted_at": { "default": null, "format": "date-time", "type": "string", "nullable": true } }, "required": [ "enrollment_campaign", "enrollment_name", "entity_id", "entity_type", "id", "status" ], "type": "object" }, "APILightAccount": { "properties": { "account_name": { "default": null, "description": "A name given to this account. Any name can be given.", "type": "string", "nullable": true }, "account_number": { "description": "The account identifier. Only IBANs are supported at the moment.", "type": "string" }, "account_number_type": { "description": "The type of account number (e.g. IBAN).", "enum": [ "account_number", "iban", "internal_id" ], "type": "string" }, "bank_identifier": { "description": "The identifier of the bank.", "type": "string" }, "bank_identifier_type": { "description": "The type of bank identifier (e.g. BIC).", "enum": [ "bic", "name", "routing_number", "undefined" ], "type": "string" } }, "required": [ "account_number", "account_number_type", "bank_identifier", "bank_identifier_type" ], "type": "object" }, "Address": { "properties": { "address_line_1": { "type": "string", "nullable": true }, "address_line_2": { "type": "string", "nullable": true }, "city": { "type": "string", "nullable": true }, "country": { "type": "string", "nullable": true }, "postal_code": { "type": "string", "nullable": true }, "state": { "type": "string", "nullable": true } }, "type": "object" }, "BirthPlace": { "properties": { "city": { "default": null, "description": "City where the person was born.", "type": "string", "nullable": true }, "country": { "default": null, "description": "Country where the person was born. Must be a ISO 3166 alpha-3 country code (e.g. FRA).", "type": "string", "nullable": true } }, "type": "object" }, "BorrowerComplianceChecks": { "properties": { "status": { "enum": [ "APPROVED", "PENDING_USER_ACTION", "REJECTED", "REVIEWING", "UNKNOWN" ], "type": "string" } }, "required": [ "status" ], "type": "object" }, "BorrowerOwner": { "properties": { "email": { "format": "email", "type": "string" }, "id": { "format": "uuid", "type": "string" }, "phone_number": { "default": null, "description": "PhoneNumber", "type": "string", "nullable": true } }, "required": [ "email", "id" ], "type": "object" } } } } ```