/eligibility/borrower

post https://api-sandbox.getdefacto.com/eligibility/borrower

Ask for the pre-eligibility of a borrower.

It should be interpreted the following way:

  • when is_eligible is false and reasons is null or [] it means the borrower **might** be eligible. This will depend on his financials and will be evaluated after you share data with the /business/data/XXX endpoints.
  • when is_eligible is true, the borrower is eligible. However, we recommend you to share the data you have with the /business/data/XXX endpoints in order to have a more accurate (likely higher) eligible amount.
  • when is_eligible is false and all items of reasons are in: [OUTDATED_DATA, KYB_STATUS] this means the borrower might be eligible depending on his financing, and we are expecting him to perform a few actions prior to requesting loan. Once you register the borrower, this will be represented by the borrower's status.

You may request eligibility before or after the credit line creation.

Once credit line is created, the credit line amount is synchronised with the eligible amount (credit_line.pool_amount = eligibility_response.max_amount).

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