{"_id":"55946c610c33bd0d0005968c","user":"557b54fb9670ce0d0071b7bd","version":{"_id":"55819c76a5474a0d00d945db","__v":6,"project":"543de77431ca981a00a700ec","forked_from":"543de77431ca981a00a700ef","createdAt":"2015-06-17T16:12:38.031Z","releaseDate":"2015-06-17T16:12:38.031Z","categories":["55819c76a5474a0d00d945dc","55883498b3bcf52b00513212","5591ad23c671980d00543dd7","5591adfa342e980d006db03b","5591ae005781ae0d00236737","5595b4c4f4437019002888fb"],"is_deprecated":false,"is_hidden":false,"is_beta":false,"is_stable":true,"codename":"","version_clean":"2.0.0","version":"2.0"},"__v":32,"category":{"_id":"5591ae005781ae0d00236737","__v":9,"pages":["5593165847f40b1700360786","55946c610c33bd0d0005968c","5594749535f5671700942e6b","55947b960c33bd0d000596b7","55947b9d35f5671700942e7f","55947ba90c33bd0d000596b9","559484b70c33bd0d000596d0","559496bc0c33bd0d000596ec","559d7a7979e08b350041b8f3"],"version":"55819c76a5474a0d00d945db","project":"543de77431ca981a00a700ec","sync":{"url":"","isSync":false},"reference":false,"createdAt":"2015-06-29T20:43:44.229Z","from_sync":false,"order":2,"slug":"methods","title":"Methods"},"project":"543de77431ca981a00a700ec","parentDoc":null,"updates":[],"next":{"pages":[],"description":""},"createdAt":"2015-07-01T22:40:33.822Z","link_external":false,"link_url":"","githubsync":"","sync_unique":"","hidden":false,"api":{"results":{"codes":[]},"settings":"","auth":"required","params":[],"url":""},"isReference":false,"order":0,"body":"The listings section of that API will allow you to access loans available for purchase. Both whole and fractional loans are listed, although you will only see loans that you are able to purchase. \n\nListings are updated for preview at 12 noon (PST) and available for purchase at 1pm (PST). Note that API calls are rate limited to give all investors a fair chance at purchasing. \n\nThe main endpoint /listings will return a list of all available loans as well as some high level information. Further information about each loan can be obtained by modifying the endpoints as shown below. \n\n\n[block:image]\n{\n  \"images\": [\n    {\n      \"image\": [\n        \"https://files.readme.io/1tgigqkTwyY2WCAKS4bV_Blank%20Flowchart%20-%20listings.png\",\n        \"Blank Flowchart - listings.png\",\n        \"1725\",\n        \"1013\",\n        \"#b3b3b3\",\n        \"\"\n      ]\n    }\n  ]\n}\n[/block]\n\n[block:api-header]\n{\n  \"type\": \"basic\",\n  \"title\": \"/listings\"\n}\n[/block]\nReturns a list of all listings that are available for purchase based on your account type.  \n[block:code]\n{\n  \"codes\": [\n    {\n      \"code\": \"GET https://investor-api.fundingcircle.us/api/v2/listings\\n\\n{\\n    \\\"size\\\": 100,\\n    \\\"offset\\\": 0,\\n    \\\"total_count\\\": 201,\\n    \\\"_embedded\\\": {\\n        \\\"listings\\\": [\\n            {\\n                \\\"id\\\": \\\"f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\\\",\\n                \\\"preview_date\\\": \\\"2015-07-30T21:15:22.162Z\\\",\\n                \\\"live_date\\\": \\\"2015-07-30T21:15:22.162Z\\\",\\n                \\\"expiry_date\\\": \\\"2015-08-06T21:15:22.162Z\\\",\\n                \\\"status\\\": \\\"live\\\",\\n                \\\"type\\\": \\\"whole\\\",\\n                \\\"_links\\\": {\\n                    \\\"financials\\\": {\\n                        \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\\\"\\n                    },\\n                    \\\"payments\\\": {\\n                        \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\\\"\\n                    },\\n                    \\\"self\\\": {\\n                        \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\\\"\\n                    }\\n                }\\n            },\\n    \\\"_links\\\": {\\n        \\\"self\\\": {\\n            \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings\\\"\\n        }\\n    }\\n}\\n          \\n          \\n          \\n          \\n          \\n          \",\n      \"language\": \"json\"\n    }\n  ]\n}\n[/block]\n\n[block:parameters]\n{\n  \"data\": {\n    \"h-0\": \"Key\",\n    \"h-1\": \"Data Type\",\n    \"h-2\": \"Description\",\n    \"0-0\": \"expiry_date\",\n    \"1-0\": \"live_date\",\n    \"2-0\": \"id\",\n    \"3-0\": \"status\",\n    \"4-0\": \"type\",\n    \"5-0\": \"preview_date\",\n    \"0-1\": \"STRING\",\n    \"1-1\": \"STRING\",\n    \"2-1\": \"STRING\",\n    \"3-1\": \"STRING\",\n    \"4-1\": \"STRING\",\n    \"5-1\": \"STRING\",\n    \"0-2\": \"The date the listing will no longer be active (you will be unable to purchase the listing as of this date).\",\n    \"1-2\": \"The date the listing became available for purchase.\",\n    \"2-2\": \"A Unique Identifier for this listing\",\n    \"3-2\": \"The current status of this listing\",\n    \"4-2\": \"The type of loan (loans can be whole, or fractional)\",\n    \"5-2\": \"The date the loan was first previewed.\"\n  },\n  \"cols\": 3,\n  \"rows\": 6\n}\n[/block]\n\n[block:api-header]\n{\n  \"type\": \"basic\",\n  \"title\": \"/listings/:id\"\n}\n[/block]\nAppending the UUID  of the listing you are interested in, will give you more information about that specific loan. \n[block:code]\n{\n  \"codes\": [\n    {\n      \"code\": \"GET https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\\n\\n{\\n    \\\"website_url\\\": null,\\n    \\\"outstanding_debt_monthly_payment_cents\\\": null,\\n    \\\"loan_information_notes\\\": null,\\n    \\\"date_of_business_bankruptcy\\\": null,\\n    \\\"equity_contribution\\\": 0.025,\\n    \\\"days_accrued\\\": 0,\\n    \\\"years_of_operation\\\": 0,\\n    \\\"industry\\\": \\\"Public Administration\\\",\\n    \\\"loan_name\\\": \\\"Baumbach, Fritsch and Bahringer\\\",\\n    \\\"city\\\": \\\"Lake Shaynafurt\\\",\\n    \\\"type\\\": \\\"whole\\\",\\n    \\\"state\\\": \\\"KS\\\",\\n    \\\"total_outstanding_debt_cents\\\": null,\\n    \\\"debt_coverage_ratio\\\": 3.78,\\n    \\\"who_are_we\\\": \\\"User-centric real-time core\\\",\\n    \\\"business_bankruptcy\\\": false,\\n    \\\"state_of_incorporation\\\": null,\\n    \\\"interest_rate\\\": 0.1749,\\n    \\\"number_of_employees\\\": 5,\\n    \\\"status\\\": \\\"live\\\",\\n    \\\"credit_rating\\\": \\\"C\\\",\\n    \\\"business_financials_notes\\\": \\\"\\\",\\n    \\\"id\\\": \\\"f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\\\",\\n    \\\"part_of_franchise_network\\\": false,\\n    \\\"asset_coverage_ratio\\\": 0.94,\\n    \\\"total_cost_cents\\\": 16600000,\\n    \\\"term_months\\\": 24,\\n    \\\"use_of_funds\\\": [\\n        \\\"exploit collaborative schemas\\\"\\n    ],\\n    \\\"original_principal_cents\\\": 16600000,\\n    \\\"credit_score_date\\\": \\\"2015-06-29T00:00:00.000Z\\\",\\n    \\\"accrued_interest_cents\\\": 0,\\n    \\\"_links\\\": {\\n        \\\"financials\\\": {\\n            \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\\\"\\n        },\\n        \\\"payments\\\": {\\n            \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\\\"\\n        },\\n        \\\"self\\\": {\\n            \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\\\"\\n        }\\n    },\\n    \\\"naics_code\\\": \\\"42\\\",\\n    \\\"number_of_guarantors\\\": 1,\\n    \\\"reason_for_borrowing\\\": \\\"strategize seamless mindshare\\\",\\n    \\\"dba_name\\\": \\\"Baumbach, Fritsch and Bahringer\\\",\\n    \\\"credit_score\\\": 670\\n}\",\n      \"language\": \"json\"\n    }\n  ]\n}\n[/block]\n\n[block:parameters]\n{\n  \"data\": {\n    \"h-0\": \"Key\",\n    \"h-1\": \"DataType\",\n    \"h-2\": \"Description\",\n    \"0-0\": \"accrued_interest_cents\",\n    \"1-0\": \"asset_coverage_ratio\",\n    \"1-1\": \"STRING\",\n    \"1-2\": \"Shows the ability for a company to cover their debt obligations after they have satisfied other liabilities\",\n    \"2-0\": \"business_bankruptcy\",\n    \"3-0\": \"business_financials_notes\",\n    \"4-0\": \"City\",\n    \"5-0\": \"credit_rating\",\n    \"6-0\": \"credit_score\",\n    \"7-0\": \"credit_score_date\",\n    \"8-0\": \"date_of_business_bankruptcy\",\n    \"9-0\": \"days_accrued\",\n    \"10-0\": \"dba_name\",\n    \"11-0\": \"debt_coverage_ratio\",\n    \"12-0\": \"equity_contribution\",\n    \"13-0\": \"industry\",\n    \"14-0\": \"interest_rate\",\n    \"15-0\": \"loan_id\",\n    \"16-0\": \"loan_information_notes\",\n    \"17-0\": \"loan_name\",\n    \"18-0\": \"loan_status\",\n    \"19-0\": \"loan_type\",\n    \"20-0\": \"naics_code\",\n    \"21-0\": \"number_of_employees\",\n    \"22-0\": \"number_of_guarantors\",\n    \"23-0\": \"original_principal_cents\",\n    \"24-0\": \"outstanding_debt_monthly_payment_cents\",\n    \"25-0\": \"part_of_franchise_network\",\n    \"26-0\": \"state\",\n    \"27-0\": \"state_of_incorporation\",\n    \"28-0\": \"term_months\",\n    \"29-0\": \"total_cost_cents\",\n    \"30-0\": \"total_outstanding_debt_cents\",\n    \"31-0\": \"use_of_funds\",\n    \"32-0\": \"website_url\",\n    \"33-0\": \"who_are_we\",\n    \"34-0\": \"why_should_you_lend_to_us\",\n    \"35-0\": \"years_of_operation\",\n    \"0-1\": \"INTEGER\",\n    \"2-1\": \"BOOLEAN\",\n    \"3-1\": \"STRING\",\n    \"4-1\": \"STRING\",\n    \"5-1\": \"STRING\",\n    \"6-1\": \"INTEGER\",\n    \"7-1\": \"STRING\",\n    \"8-1\": \"STRING\",\n    \"9-1\": \"INTEGER\",\n    \"10-1\": \"STIRNG\",\n    \"11-1\": \"STRING\",\n    \"12-1\": \"DECIMAL\",\n    \"13-1\": \"STRING\",\n    \"14-1\": \"DECIMAL\",\n    \"15-1\": \"DECIMAL\",\n    \"17-1\": \"STRING\",\n    \"18-1\": \"STRING\",\n    \"19-1\": \"STRING\",\n    \"20-1\": \"STRING\",\n    \"21-1\": \"INTEGER\",\n    \"22-1\": \"INTEGER\",\n    \"23-1\": \"INTEGER\",\n    \"24-1\": \"INTEGER\",\n    \"16-1\": \"STRING\",\n    \"25-1\": \"BOOLEAN\",\n    \"26-1\": \"STRING\",\n    \"27-1\": \"STRING\",\n    \"28-1\": \"INTEGER\",\n    \"29-1\": \"INTEGER\",\n    \"30-1\": \"INTEGER\",\n    \"35-1\": \"INTEGER\",\n    \"31-1\": \"STRING (ARRAY)\",\n    \"32-1\": \"STRING\",\n    \"33-1\": \"STRING\",\n    \"34-1\": \"STRING\",\n    \"0-2\": \"How much interest the listing has already accrued\",\n    \"2-2\": \"TRUE if the business has had a bankruptcy in the last 5 years\",\n    \"3-2\": \"Supplemental notes about the businesses financial statements\",\n    \"4-2\": \"The city in which the business is located. \\n\\nNOTE: Applied to whole loans only.\",\n    \"6-2\": \"The FICO provided credit score\",\n    \"7-2\": \"When the FICO credit score was obtained\",\n    \"8-2\": \"The date the business filed for bankruptcy, if they have ever filed for bankruptcy\",\n    \"5-2\": \"The Funding Circle determined credit rating (Risk Band)\",\n    \"9-2\": \"How many days have occurred where the loan has generated interest\",\n    \"10-2\": \"The name that the business is operating under (Doing Business As)\",\n    \"12-2\": \"What percentage of the business the applicant owns.\",\n    \"13-2\": \"The NAICS compliant industry of which the business operated\",\n    \"14-2\": \"The Funding Circle determined amount on interest the business will pay for the loan (as a percentage)\",\n    \"15-2\": \"The Unique identifier for that loan\",\n    \"16-2\": \"Supplemental notes about the loan.\",\n    \"17-2\": \"The name of the loan\",\n    \"18-2\": \"The status of the loan\",\n    \"19-2\": \"The type of loan (i.e. whole, fractional)\",\n    \"20-2\": \"The North American Industry Classification System code that the business is under\",\n    \"21-2\": \"How many people work at the business\",\n    \"23-2\": \"The dollar value of the loan given to the borrower\",\n    \"24-2\": \"Any debts that the borrower is already paying in dollar amount per month\",\n    \"25-2\": \"Whether or not the business is part of a franchised business model\",\n    \"26-2\": \"The state that the business is operating in\",\n    \"27-2\": \"The state that the business had incorporated\",\n    \"28-2\": \"The length of time that the loan is for\",\n    \"29-2\": \"The total cost of the loan to the borrower including principal, interest, and fees\",\n    \"30-2\": \"The amount of debt that the business has already incurred\",\n    \"31-2\": \"What the business intends to use the loan for\",\n    \"32-2\": \"The website of the business\",\n    \"33-2\": \"A description of the business\",\n    \"34-2\": \"A borrower provided reason for why they need theloan\",\n    \"35-2\": \"How long the business has been in operation\",\n    \"22-2\": \"The number of other people who are liable and responsible for repaying the loan\",\n    \"11-2\": \"The ratio of cashflow available for the business to repay interest and principal on debt.\"\n  },\n  \"cols\": 3,\n  \"rows\": 36\n}\n[/block]\n\n[block:api-header]\n{\n  \"type\": \"basic\",\n  \"title\": \"/listings/:id/financials\"\n}\n[/block]\nAdding financials will return the business financial information that was provided by the borrower when they submitted the application as well as information that Funding Circle has added (such as a credit_rating) to provide more context to the loan.\n\nThis endpoint may contain multiple years worth of financial information, broken down by each year. \n[block:code]\n{\n  \"codes\": [\n    {\n      \"code\": \"GET https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\\n\\n{\\n    \\\"_embedded\\\": {\\n        \\\"financials\\\": [\\n            {\\n                \\\"total_liabilities_cents\\\": 92300000,\\n                \\\"net_profit_cents\\\": -56200000,\\n                \\\"pp_and_e_net_cents\\\": 17500000,\\n                \\\"total_equity_cents\\\": 942000000,\\n                \\\"wages_cents\\\": 100000000,\\n                \\\"shareholder_loans_cents\\\": 45600000,\\n                \\\"other_current_assets_cents\\\": 12000000,\\n                \\\"loans_outstanding_cents\\\": 20100000,\\n                \\\"cost_of_goods_cents\\\": 25000000,\\n                \\\"interest_expenses_cents\\\": 1200000,\\n                \\\"cash_cents\\\": 60000000,\\n                \\\"ebitda_cents\\\": -42500000,\\n                \\\"other_expenses_cents\\\": 14800000,\\n                \\\"earnings_before_expenses_cents\\\": -43700000,\\n                \\\"depreciation_and_amortization_cents\\\": 2000000,\\n                \\\"accounts_receivable_cents\\\": 25000000,\\n                \\\"gross_revenue_cents\\\": 120000000,\\n                \\\"operating_expenses_cents\\\": 149800000,\\n                \\\"current_assets_cents\\\": 97000000,\\n                \\\"other_liabilities_cents\\\": 1000000,\\n                \\\"statement_source\\\": null,\\n                \\\"officers_salaries_cents\\\": 10000000,\\n                \\\"gross_profit_cents\\\": 107300000,\\n                \\\"total_long_term_assets_net_cents\\\": 24500000,\\n                \\\"short_term_liabilities_cents\\\": 25600000,\\n                \\\"general_administrative_expenses_cents\\\": 25000000,\\n                \\\"taxes_cents\\\": 3000000,\\n                \\\"total_assets_cents\\\": 121500000,\\n                \\\"provided_for_year\\\": \\\"2014-10-01T00:00:00.000Z\\\",\\n                \\\"goodwill_and_other_intangibles_net_cents\\\": 500000,\\n                \\\"other_long_term_assets_cents\\\": 6500000,\\n                \\\"extraordinary_items_cents\\\": 7500000\\n            },\\n            {\\n                \\\"total_liabilities_cents\\\": 92300000,\\n                \\\"net_profit_cents\\\": -56200000,\\n                \\\"pp_and_e_net_cents\\\": 17500000,\\n                \\\"total_equity_cents\\\": 942000000,\\n                \\\"wages_cents\\\": 100000000,\\n                \\\"shareholder_loans_cents\\\": 45600000,\\n                \\\"other_current_assets_cents\\\": 12000000,\\n                \\\"loans_outstanding_cents\\\": 20100000,\\n                \\\"cost_of_goods_cents\\\": 25000000,\\n                \\\"interest_expenses_cents\\\": 1200000,\\n                \\\"cash_cents\\\": 60000000,\\n                \\\"ebitda_cents\\\": -42500000,\\n                \\\"other_expenses_cents\\\": 14800000,\\n                \\\"earnings_before_expenses_cents\\\": -43700000,\\n                \\\"depreciation_and_amortization_cents\\\": 2000000,\\n                \\\"accounts_receivable_cents\\\": 25000000,\\n                \\\"gross_revenue_cents\\\": 120000000,\\n                \\\"operating_expenses_cents\\\": 149800000,\\n                \\\"current_assets_cents\\\": 97000000,\\n                \\\"other_liabilities_cents\\\": 1000000,\\n                \\\"statement_source\\\": null,\\n                \\\"officers_salaries_cents\\\": 10000000,\\n                \\\"gross_profit_cents\\\": 107300000,\\n                \\\"total_long_term_assets_net_cents\\\": 24500000,\\n                \\\"short_term_liabilities_cents\\\": 25600000,\\n                \\\"general_administrative_expenses_cents\\\": 25000000,\\n                \\\"taxes_cents\\\": 3000000,\\n                \\\"total_assets_cents\\\": 121500000,\\n                \\\"provided_for_year\\\": \\\"2013-08-01T00:00:00.000Z\\\",\\n                \\\"goodwill_and_other_intangibles_net_cents\\\": 500000,\\n                \\\"other_long_term_assets_cents\\\": 6500000,\\n                \\\"extraordinary_items_cents\\\": 7500000\\n            }\\n        ]\\n    },\\n    \\\"_links\\\": {\\n        \\\"self\\\": {\\n            \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\\\"\\n        }\\n    }\\n}\",\n      \"language\": \"json\"\n    }\n  ]\n}\n[/block]\n\n[block:parameters]\n{\n  \"data\": {\n    \"h-0\": \"Key\",\n    \"h-1\": \"Datatype\",\n    \"h-2\": \"Description\",\n    \"0-0\": \"accounts_receivable_cents\",\n    \"1-0\": \"cash_cents\",\n    \"2-0\": \"cost_of_goods_cents\",\n    \"3-0\": \"current_assets_cents\",\n    \"4-0\": \"depreciation_and_amortization_cents\",\n    \"5-0\": \"earnings_before_expenses_cents\",\n    \"6-0\": \"ebitda_cents\",\n    \"7-0\": \"extraordinary_items_cents\",\n    \"8-0\": \"general_administrative_expenses_cents\",\n    \"9-0\": \"goodwill_and_other_intangibles_net_cents\",\n    \"10-0\": \"gross_profit_cents\",\n    \"11-0\": \"gross_revenue_cents\",\n    \"12-0\": \"interest_expenses_cents\",\n    \"13-0\": \"loans_outstanding_cents\",\n    \"14-0\": \"net_profit_cents\",\n    \"15-0\": \"officers_salaries_cents\",\n    \"16-0\": \"operating_expenses_cents\",\n    \"17-0\": \"other_current_assets_cents\",\n    \"18-0\": \"other_expenses_cents\",\n    \"19-0\": \"other_liabilities_cents\",\n    \"20-0\": \"other_long_term_assets_cents\",\n    \"21-0\": \"pp_and_e_net_cents\",\n    \"23-0\": \"shareholder_loans_cents\",\n    \"24-0\": \"short_term_liabilities_cents\",\n    \"25-0\": \"statement_source\",\n    \"26-0\": \"taxes_cents\",\n    \"27-0\": \"total_assets_cents\",\n    \"28-0\": \"total_equity_cents\",\n    \"29-0\": \"total_liabilities_cents\",\n    \"30-0\": \"total_long_term_assets_net_cents\",\n    \"31-0\": \"wages_cents\",\n    \"32-0\": \"provided_for_year\",\n    \"0-1\": \"INTEGER\",\n    \"1-1\": \"INTEGER\",\n    \"2-1\": \"INTEGER\",\n    \"3-1\": \"INTEGER\",\n    \"4-1\": \"INTEGER\",\n    \"5-1\": \"INTEGER\",\n    \"6-1\": \"INTEGER\",\n    \"7-1\": \"INTEGER\",\n    \"8-1\": \"INTEGER\",\n    \"9-1\": \"INTEGER\",\n    \"10-1\": \"INTEGER\",\n    \"11-1\": \"INTEGER\",\n    \"12-1\": \"INTEGER\",\n    \"13-1\": \"INTEGER\",\n    \"14-1\": \"INTEGER\",\n    \"15-1\": \"INTEGER\",\n    \"16-1\": \"INTEGER\",\n    \"17-1\": \"INTEGER\",\n    \"18-1\": \"INTEGER\",\n    \"19-1\": \"INTEGER\",\n    \"20-1\": \"INTEGER\",\n    \"21-1\": \"INTEGER\",\n    \"23-1\": \"INTEGER\",\n    \"24-1\": \"INTEGER\",\n    \"25-1\": \"STRING\",\n    \"26-1\": \"INTEGER\",\n    \"27-1\": \"INTEGER\",\n    \"28-1\": \"INTEGER\",\n    \"29-1\": \"INTEGER\",\n    \"30-1\": \"INTEGER\",\n    \"31-1\": \"INTEGER\",\n    \"32-1\": \"\",\n    \"32-2\": \"\",\n    \"29-2\": \"The sum of all of\",\n    \"27-2\": \"the sum of the value of what the business owns\",\n    \"26-2\": \"How much the business pays in taxes\",\n    \"22-0\": \"provided_for_year\",\n    \"22-1\": \"STRING\",\n    \"22-2\": \"The year that the financial information has been provided for.\"\n  },\n  \"cols\": 2,\n  \"rows\": 33\n}\n[/block]\n\n[block:api-header]\n{\n  \"type\": \"basic\",\n  \"title\": \"/listings/:id/payments\"\n}\n[/block]\nUsing the /payments endpoint will show all of the payments that have been made on a given loan.\n[block:code]\n{\n  \"codes\": [\n    {\n      \"code\": \"GET https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\\n\\n{\\n    \\\"_embedded\\\": {\\n        \\\"payments\\\": [\\n            {\\n                \\\"principal_cents\\\": 582711,\\n                \\\"interest_cents\\\": 241945,\\n                \\\"settled_at\\\": null,\\n                \\\"total_cents\\\": 824656,\\n                \\\"due_date\\\": \\\"2015-08-30T00:00:00.000Z\\\",\\n                \\\"period\\\": 1\\n            },\\n            {\\n                \\\"principal_cents\\\": 591204,\\n                \\\"interest_cents\\\": 233452,\\n                \\\"settled_at\\\": null,\\n                \\\"total_cents\\\": 824656,\\n                \\\"due_date\\\": \\\"2015-09-30T00:00:00.000Z\\\",\\n                \\\"period\\\": 2\\n            },\\n            {\\n                \\\"principal_cents\\\": 599821,\\n                \\\"interest_cents\\\": 224835,\\n                \\\"settled_at\\\": null,\\n                \\\"total_cents\\\": 824656,\\n                \\\"due_date\\\": \\\"2015-10-30T00:00:00.000Z\\\",\\n                \\\"period\\\": 3\\n            },\\n            {\\n                \\\"principal_cents\\\": 608563,\\n                \\\"interest_cents\\\": 216093,\\n                \\\"settled_at\\\": null,\\n                \\\"total_cents\\\": 824656,\\n                \\\"due_date\\\": \\\"2015-11-30T00:00:00.000Z\\\",\\n                \\\"period\\\": 4\\n            },\\n    \\\"_links\\\": {\\n        \\\"self\\\": {\\n            \\\"href\\\": \\\"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\\\"\\n        }\\n    }\\n}\",\n      \"language\": \"json\"\n    }\n  ]\n}\n[/block]\n\n[block:parameters]\n{\n  \"data\": {\n    \"h-0\": \"Key\",\n    \"h-1\": \"Data Type\",\n    \"h-2\": \"Description\",\n    \"0-0\": \"period\",\n    \"1-0\": \"due_date\",\n    \"2-0\": \"total_cents\",\n    \"3-0\": \"principal_cents\",\n    \"4-0\": \"interest_cents\",\n    \"5-0\": \"settled_at\",\n    \"0-1\": \"INTEGER\",\n    \"2-1\": \"INTEGER\",\n    \"3-1\": \"INTEGER\",\n    \"4-1\": \"INTEGER\",\n    \"5-1\": \"STRING\",\n    \"0-2\": \"The number of the payment period based on the schedule of payments\",\n    \"1-2\": \"The date this payment is due\",\n    \"2-2\": \"The total amount of the payment\",\n    \"3-2\": \"The portion of the payment that is principal\",\n    \"4-2\": \"The portion of the payment that is in interest\",\n    \"5-2\": \"When the payment was made\",\n    \"1-1\": \"STRING\"\n  },\n  \"cols\": 3,\n  \"rows\": 6\n}\n[/block]","excerpt":"","slug":"listings","type":"basic","title":"GET Listings"}
The listings section of that API will allow you to access loans available for purchase. Both whole and fractional loans are listed, although you will only see loans that you are able to purchase. Listings are updated for preview at 12 noon (PST) and available for purchase at 1pm (PST). Note that API calls are rate limited to give all investors a fair chance at purchasing. The main endpoint /listings will return a list of all available loans as well as some high level information. Further information about each loan can be obtained by modifying the endpoints as shown below. [block:image] { "images": [ { "image": [ "https://files.readme.io/1tgigqkTwyY2WCAKS4bV_Blank%20Flowchart%20-%20listings.png", "Blank Flowchart - listings.png", "1725", "1013", "#b3b3b3", "" ] } ] } [/block] [block:api-header] { "type": "basic", "title": "/listings" } [/block] Returns a list of all listings that are available for purchase based on your account type. [block:code] { "codes": [ { "code": "GET https://investor-api.fundingcircle.us/api/v2/listings\n\n{\n \"size\": 100,\n \"offset\": 0,\n \"total_count\": 201,\n \"_embedded\": {\n \"listings\": [\n {\n \"id\": \"f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\",\n \"preview_date\": \"2015-07-30T21:15:22.162Z\",\n \"live_date\": \"2015-07-30T21:15:22.162Z\",\n \"expiry_date\": \"2015-08-06T21:15:22.162Z\",\n \"status\": \"live\",\n \"type\": \"whole\",\n \"_links\": {\n \"financials\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\"\n },\n \"payments\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\"\n },\n \"self\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\"\n }\n }\n },\n \"_links\": {\n \"self\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings\"\n }\n }\n}\n \n \n \n \n \n ", "language": "json" } ] } [/block] [block:parameters] { "data": { "h-0": "Key", "h-1": "Data Type", "h-2": "Description", "0-0": "expiry_date", "1-0": "live_date", "2-0": "id", "3-0": "status", "4-0": "type", "5-0": "preview_date", "0-1": "STRING", "1-1": "STRING", "2-1": "STRING", "3-1": "STRING", "4-1": "STRING", "5-1": "STRING", "0-2": "The date the listing will no longer be active (you will be unable to purchase the listing as of this date).", "1-2": "The date the listing became available for purchase.", "2-2": "A Unique Identifier for this listing", "3-2": "The current status of this listing", "4-2": "The type of loan (loans can be whole, or fractional)", "5-2": "The date the loan was first previewed." }, "cols": 3, "rows": 6 } [/block] [block:api-header] { "type": "basic", "title": "/listings/:id" } [/block] Appending the UUID of the listing you are interested in, will give you more information about that specific loan. [block:code] { "codes": [ { "code": "GET https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\n\n{\n \"website_url\": null,\n \"outstanding_debt_monthly_payment_cents\": null,\n \"loan_information_notes\": null,\n \"date_of_business_bankruptcy\": null,\n \"equity_contribution\": 0.025,\n \"days_accrued\": 0,\n \"years_of_operation\": 0,\n \"industry\": \"Public Administration\",\n \"loan_name\": \"Baumbach, Fritsch and Bahringer\",\n \"city\": \"Lake Shaynafurt\",\n \"type\": \"whole\",\n \"state\": \"KS\",\n \"total_outstanding_debt_cents\": null,\n \"debt_coverage_ratio\": 3.78,\n \"who_are_we\": \"User-centric real-time core\",\n \"business_bankruptcy\": false,\n \"state_of_incorporation\": null,\n \"interest_rate\": 0.1749,\n \"number_of_employees\": 5,\n \"status\": \"live\",\n \"credit_rating\": \"C\",\n \"business_financials_notes\": \"\",\n \"id\": \"f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\",\n \"part_of_franchise_network\": false,\n \"asset_coverage_ratio\": 0.94,\n \"total_cost_cents\": 16600000,\n \"term_months\": 24,\n \"use_of_funds\": [\n \"exploit collaborative schemas\"\n ],\n \"original_principal_cents\": 16600000,\n \"credit_score_date\": \"2015-06-29T00:00:00.000Z\",\n \"accrued_interest_cents\": 0,\n \"_links\": {\n \"financials\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\"\n },\n \"payments\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\"\n },\n \"self\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51\"\n }\n },\n \"naics_code\": \"42\",\n \"number_of_guarantors\": 1,\n \"reason_for_borrowing\": \"strategize seamless mindshare\",\n \"dba_name\": \"Baumbach, Fritsch and Bahringer\",\n \"credit_score\": 670\n}", "language": "json" } ] } [/block] [block:parameters] { "data": { "h-0": "Key", "h-1": "DataType", "h-2": "Description", "0-0": "accrued_interest_cents", "1-0": "asset_coverage_ratio", "1-1": "STRING", "1-2": "Shows the ability for a company to cover their debt obligations after they have satisfied other liabilities", "2-0": "business_bankruptcy", "3-0": "business_financials_notes", "4-0": "City", "5-0": "credit_rating", "6-0": "credit_score", "7-0": "credit_score_date", "8-0": "date_of_business_bankruptcy", "9-0": "days_accrued", "10-0": "dba_name", "11-0": "debt_coverage_ratio", "12-0": "equity_contribution", "13-0": "industry", "14-0": "interest_rate", "15-0": "loan_id", "16-0": "loan_information_notes", "17-0": "loan_name", "18-0": "loan_status", "19-0": "loan_type", "20-0": "naics_code", "21-0": "number_of_employees", "22-0": "number_of_guarantors", "23-0": "original_principal_cents", "24-0": "outstanding_debt_monthly_payment_cents", "25-0": "part_of_franchise_network", "26-0": "state", "27-0": "state_of_incorporation", "28-0": "term_months", "29-0": "total_cost_cents", "30-0": "total_outstanding_debt_cents", "31-0": "use_of_funds", "32-0": "website_url", "33-0": "who_are_we", "34-0": "why_should_you_lend_to_us", "35-0": "years_of_operation", "0-1": "INTEGER", "2-1": "BOOLEAN", "3-1": "STRING", "4-1": "STRING", "5-1": "STRING", "6-1": "INTEGER", "7-1": "STRING", "8-1": "STRING", "9-1": "INTEGER", "10-1": "STIRNG", "11-1": "STRING", "12-1": "DECIMAL", "13-1": "STRING", "14-1": "DECIMAL", "15-1": "DECIMAL", "17-1": "STRING", "18-1": "STRING", "19-1": "STRING", "20-1": "STRING", "21-1": "INTEGER", "22-1": "INTEGER", "23-1": "INTEGER", "24-1": "INTEGER", "16-1": "STRING", "25-1": "BOOLEAN", "26-1": "STRING", "27-1": "STRING", "28-1": "INTEGER", "29-1": "INTEGER", "30-1": "INTEGER", "35-1": "INTEGER", "31-1": "STRING (ARRAY)", "32-1": "STRING", "33-1": "STRING", "34-1": "STRING", "0-2": "How much interest the listing has already accrued", "2-2": "TRUE if the business has had a bankruptcy in the last 5 years", "3-2": "Supplemental notes about the businesses financial statements", "4-2": "The city in which the business is located. \n\nNOTE: Applied to whole loans only.", "6-2": "The FICO provided credit score", "7-2": "When the FICO credit score was obtained", "8-2": "The date the business filed for bankruptcy, if they have ever filed for bankruptcy", "5-2": "The Funding Circle determined credit rating (Risk Band)", "9-2": "How many days have occurred where the loan has generated interest", "10-2": "The name that the business is operating under (Doing Business As)", "12-2": "What percentage of the business the applicant owns.", "13-2": "The NAICS compliant industry of which the business operated", "14-2": "The Funding Circle determined amount on interest the business will pay for the loan (as a percentage)", "15-2": "The Unique identifier for that loan", "16-2": "Supplemental notes about the loan.", "17-2": "The name of the loan", "18-2": "The status of the loan", "19-2": "The type of loan (i.e. whole, fractional)", "20-2": "The North American Industry Classification System code that the business is under", "21-2": "How many people work at the business", "23-2": "The dollar value of the loan given to the borrower", "24-2": "Any debts that the borrower is already paying in dollar amount per month", "25-2": "Whether or not the business is part of a franchised business model", "26-2": "The state that the business is operating in", "27-2": "The state that the business had incorporated", "28-2": "The length of time that the loan is for", "29-2": "The total cost of the loan to the borrower including principal, interest, and fees", "30-2": "The amount of debt that the business has already incurred", "31-2": "What the business intends to use the loan for", "32-2": "The website of the business", "33-2": "A description of the business", "34-2": "A borrower provided reason for why they need theloan", "35-2": "How long the business has been in operation", "22-2": "The number of other people who are liable and responsible for repaying the loan", "11-2": "The ratio of cashflow available for the business to repay interest and principal on debt." }, "cols": 3, "rows": 36 } [/block] [block:api-header] { "type": "basic", "title": "/listings/:id/financials" } [/block] Adding financials will return the business financial information that was provided by the borrower when they submitted the application as well as information that Funding Circle has added (such as a credit_rating) to provide more context to the loan. This endpoint may contain multiple years worth of financial information, broken down by each year. [block:code] { "codes": [ { "code": "GET https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\n\n{\n \"_embedded\": {\n \"financials\": [\n {\n \"total_liabilities_cents\": 92300000,\n \"net_profit_cents\": -56200000,\n \"pp_and_e_net_cents\": 17500000,\n \"total_equity_cents\": 942000000,\n \"wages_cents\": 100000000,\n \"shareholder_loans_cents\": 45600000,\n \"other_current_assets_cents\": 12000000,\n \"loans_outstanding_cents\": 20100000,\n \"cost_of_goods_cents\": 25000000,\n \"interest_expenses_cents\": 1200000,\n \"cash_cents\": 60000000,\n \"ebitda_cents\": -42500000,\n \"other_expenses_cents\": 14800000,\n \"earnings_before_expenses_cents\": -43700000,\n \"depreciation_and_amortization_cents\": 2000000,\n \"accounts_receivable_cents\": 25000000,\n \"gross_revenue_cents\": 120000000,\n \"operating_expenses_cents\": 149800000,\n \"current_assets_cents\": 97000000,\n \"other_liabilities_cents\": 1000000,\n \"statement_source\": null,\n \"officers_salaries_cents\": 10000000,\n \"gross_profit_cents\": 107300000,\n \"total_long_term_assets_net_cents\": 24500000,\n \"short_term_liabilities_cents\": 25600000,\n \"general_administrative_expenses_cents\": 25000000,\n \"taxes_cents\": 3000000,\n \"total_assets_cents\": 121500000,\n \"provided_for_year\": \"2014-10-01T00:00:00.000Z\",\n \"goodwill_and_other_intangibles_net_cents\": 500000,\n \"other_long_term_assets_cents\": 6500000,\n \"extraordinary_items_cents\": 7500000\n },\n {\n \"total_liabilities_cents\": 92300000,\n \"net_profit_cents\": -56200000,\n \"pp_and_e_net_cents\": 17500000,\n \"total_equity_cents\": 942000000,\n \"wages_cents\": 100000000,\n \"shareholder_loans_cents\": 45600000,\n \"other_current_assets_cents\": 12000000,\n \"loans_outstanding_cents\": 20100000,\n \"cost_of_goods_cents\": 25000000,\n \"interest_expenses_cents\": 1200000,\n \"cash_cents\": 60000000,\n \"ebitda_cents\": -42500000,\n \"other_expenses_cents\": 14800000,\n \"earnings_before_expenses_cents\": -43700000,\n \"depreciation_and_amortization_cents\": 2000000,\n \"accounts_receivable_cents\": 25000000,\n \"gross_revenue_cents\": 120000000,\n \"operating_expenses_cents\": 149800000,\n \"current_assets_cents\": 97000000,\n \"other_liabilities_cents\": 1000000,\n \"statement_source\": null,\n \"officers_salaries_cents\": 10000000,\n \"gross_profit_cents\": 107300000,\n \"total_long_term_assets_net_cents\": 24500000,\n \"short_term_liabilities_cents\": 25600000,\n \"general_administrative_expenses_cents\": 25000000,\n \"taxes_cents\": 3000000,\n \"total_assets_cents\": 121500000,\n \"provided_for_year\": \"2013-08-01T00:00:00.000Z\",\n \"goodwill_and_other_intangibles_net_cents\": 500000,\n \"other_long_term_assets_cents\": 6500000,\n \"extraordinary_items_cents\": 7500000\n }\n ]\n },\n \"_links\": {\n \"self\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials\"\n }\n }\n}", "language": "json" } ] } [/block] [block:parameters] { "data": { "h-0": "Key", "h-1": "Datatype", "h-2": "Description", "0-0": "accounts_receivable_cents", "1-0": "cash_cents", "2-0": "cost_of_goods_cents", "3-0": "current_assets_cents", "4-0": "depreciation_and_amortization_cents", "5-0": "earnings_before_expenses_cents", "6-0": "ebitda_cents", "7-0": "extraordinary_items_cents", "8-0": "general_administrative_expenses_cents", "9-0": "goodwill_and_other_intangibles_net_cents", "10-0": "gross_profit_cents", "11-0": "gross_revenue_cents", "12-0": "interest_expenses_cents", "13-0": "loans_outstanding_cents", "14-0": "net_profit_cents", "15-0": "officers_salaries_cents", "16-0": "operating_expenses_cents", "17-0": "other_current_assets_cents", "18-0": "other_expenses_cents", "19-0": "other_liabilities_cents", "20-0": "other_long_term_assets_cents", "21-0": "pp_and_e_net_cents", "23-0": "shareholder_loans_cents", "24-0": "short_term_liabilities_cents", "25-0": "statement_source", "26-0": "taxes_cents", "27-0": "total_assets_cents", "28-0": "total_equity_cents", "29-0": "total_liabilities_cents", "30-0": "total_long_term_assets_net_cents", "31-0": "wages_cents", "32-0": "provided_for_year", "0-1": "INTEGER", "1-1": "INTEGER", "2-1": "INTEGER", "3-1": "INTEGER", "4-1": "INTEGER", "5-1": "INTEGER", "6-1": "INTEGER", "7-1": "INTEGER", "8-1": "INTEGER", "9-1": "INTEGER", "10-1": "INTEGER", "11-1": "INTEGER", "12-1": "INTEGER", "13-1": "INTEGER", "14-1": "INTEGER", "15-1": "INTEGER", "16-1": "INTEGER", "17-1": "INTEGER", "18-1": "INTEGER", "19-1": "INTEGER", "20-1": "INTEGER", "21-1": "INTEGER", "23-1": "INTEGER", "24-1": "INTEGER", "25-1": "STRING", "26-1": "INTEGER", "27-1": "INTEGER", "28-1": "INTEGER", "29-1": "INTEGER", "30-1": "INTEGER", "31-1": "INTEGER", "32-1": "", "32-2": "", "29-2": "The sum of all of", "27-2": "the sum of the value of what the business owns", "26-2": "How much the business pays in taxes", "22-0": "provided_for_year", "22-1": "STRING", "22-2": "The year that the financial information has been provided for." }, "cols": 2, "rows": 33 } [/block] [block:api-header] { "type": "basic", "title": "/listings/:id/payments" } [/block] Using the /payments endpoint will show all of the payments that have been made on a given loan. [block:code] { "codes": [ { "code": "GET https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\n\n{\n \"_embedded\": {\n \"payments\": [\n {\n \"principal_cents\": 582711,\n \"interest_cents\": 241945,\n \"settled_at\": null,\n \"total_cents\": 824656,\n \"due_date\": \"2015-08-30T00:00:00.000Z\",\n \"period\": 1\n },\n {\n \"principal_cents\": 591204,\n \"interest_cents\": 233452,\n \"settled_at\": null,\n \"total_cents\": 824656,\n \"due_date\": \"2015-09-30T00:00:00.000Z\",\n \"period\": 2\n },\n {\n \"principal_cents\": 599821,\n \"interest_cents\": 224835,\n \"settled_at\": null,\n \"total_cents\": 824656,\n \"due_date\": \"2015-10-30T00:00:00.000Z\",\n \"period\": 3\n },\n {\n \"principal_cents\": 608563,\n \"interest_cents\": 216093,\n \"settled_at\": null,\n \"total_cents\": 824656,\n \"due_date\": \"2015-11-30T00:00:00.000Z\",\n \"period\": 4\n },\n \"_links\": {\n \"self\": {\n \"href\": \"https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments\"\n }\n }\n}", "language": "json" } ] } [/block] [block:parameters] { "data": { "h-0": "Key", "h-1": "Data Type", "h-2": "Description", "0-0": "period", "1-0": "due_date", "2-0": "total_cents", "3-0": "principal_cents", "4-0": "interest_cents", "5-0": "settled_at", "0-1": "INTEGER", "2-1": "INTEGER", "3-1": "INTEGER", "4-1": "INTEGER", "5-1": "STRING", "0-2": "The number of the payment period based on the schedule of payments", "1-2": "The date this payment is due", "2-2": "The total amount of the payment", "3-2": "The portion of the payment that is principal", "4-2": "The portion of the payment that is in interest", "5-2": "When the payment was made", "1-1": "STRING" }, "cols": 3, "rows": 6 } [/block]