GET Holdings

The /holdings endpoint allows you to access all of your holdings in one list (no pagination). These are the same holdings that are in your portfolio and you are earning both principal and interest on. Holdings may be whole or fractional loans based on the account type.

The main endpoint /holdings will return a list of all holdings you currently own as well as some high level information. This information may be used to drill deeper into your holdings and the payments of those holdings.

/holdings

Returns a list of all holdings that you have purchased and that have settled into your account

GET https://investor-api.fundingcircle.us/api/v2/holdings

{
    "_embedded": {
        "holdings": [
            {
                "id": "d0a42o2e-e116-4c4f-be7e-65155d044d61",
                "loan_id": "957826be-ba75-4cb6-97f4-27c3o09b451a",
                "loan_name": "Hermann-Schumm",
                "loan_amount": 28900000,
                "interest_rate": 0.081,
                "purchased_date: "2015-11-21T08:41:04.186Z",
                "term_months": 48,
                "original_principal_cents": 28900000,
                "remaining_principal_cents": 28900000,
                "status": "defaulted",
                "days_past_due": 0,
                "days_past_due_synced_at": "2016-12-07T02:32:57.583+00:00",
                "_links": {
                    "financials": {
                        "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/financials"
                    },
                    "payments": {
                        "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/payments"
                    },
                    "self": {
                        "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61"
                    }
                }
            },
    "_links": {
        "self": {
            "href": "https://investor-api.fundingcircle.us/api/v2/holdings"
        }
    }
}

Key	Data Type	Description
id	STRING	The unique identifier of the holding
loan_id	STRING	The loan that this holding is a part of (for fractional loans)
loan_name	STRING	The name of the loan
original_principal_cents	INTEGER	The original amount of the loan not including interest and fees.
remaining_principal_cents	INTEGER	The amount of principal on the loan that has not yet been repaid
status	STRING	The delinquency status of the loan
days_past_due	INTEGER	Days past due.
days_past_due_synced_at	STRING	Timestamp UTC.
loan_amount_cents	INTEGER	The amount of the loan
term_months	INTEGER	The term of the loan
interest_rate	DECIMAL	The interest rate of the loan
purchased_date	STRING	The time the holding was purchased

/holdings/:id

Appending the UUID of the listing you are interested in, will give you more information about that specific loan.

GET https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61
{
    "website_url": null,
    "outstanding_debt_monthly_payment_cents": null,
    "owed_investor_fee_cents": null,
    "loan_information_notes": null,
    "purchased_date": "2015-07-15T23:11:33.768Z",
    "loan_settlement_date": "2015-07-15T23:12:10.041Z",
    "date_of_business_bankruptcy": null,
    "equity_contribution": 0.025,
    "years_of_operation": 55,
    "defaulted_date": "2015-07-01",
    "industry": "Public Administration",
    "loan_name": "Hermann-Schumm",
    "business_name": "",
    "owed_interest_cents": null,
    "state": "NH",
    "origination_date": "2015-02-04T00:00:00.000Z",
    "total_outstanding_debt_cents": null,
    "debt_coverage_ratio": 4.29,
    "who_are_we": "Profit-focused optimal moratorium",
    "business_bankruptcy": null,
    "state_of_incorporation": null,
    "remaining_principal_cents": 28900000,
    "interest_rate": 0.1399,
    "number_of_employees": 2,
    "status": "defaulted",
    "credit_rating": "B",
    "business_financials_notes": "",
    "id": "d0a42o2e-e116-4c4f-be7e-65155d044d61",
    "ownership_percentage": 59.100204498977504,
    "part_of_franchise_network": false,
    "asset_coverage_ratio": 3.25,
    "loan_amount_cents": 48900000,
    "total_cost_cents": 28900000,
    "term_months": 24,
    "loan_id": "957826be-ba75-4cb6-97f4-27c3o09b451a",
    "accrued_interest_days": 0,
    "use_of_funds": [
        "mesh scalable applications"
    ],
    "original_principal_cents": 28900000,
    "credit_score_date": "2015-07-06",
    "accrued_interest_cents": 0,
    "_links": {
        "financials": {
            "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/financials"
        },
        "payments": {
            "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/payments"
        },
        "self": {
            "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61"
        }
    },
    "naics_code": "NAICS 42",
    "number_of_guarantors": 5,
    "reason_for_borrowing": "matrix web-enabled metrics",
    "maturity_date": "2017-02-04T00:00:00.000Z",
    "dba_name": "Hermann-Schumm",
    "credit_score": 640,
    "days_past_due": 0,
    "days_past_due_synced_at": "2016-12-07T02:32:57.583+00:00"
}

Key	Data Type
asset_coverage_ratio	DECIMAL
accrued_interest_days	INTEGER
accrued_interest_cents	INTEGER
accrued_interest_at_purchase_cents	INTEGER
accrued_interest_at_purchase_days	INTEGER
business_bankruptcy	BOOLEAN
business_name	STRING
business_financials_notes	STRING
city	STRING
credit_rating	STRING
credit_score	INTEGER
credit_score_date	STRING
date_of_business_bankruptcy	STRING
dba_name	STRING
debt_coverage_ratio	DECIMAL
defaulted_date	STRING
equity_contribution	DECIMAL
id	STRING
industry	STRING
interest_rate	DECIMAL
loan_amount_cents	INTEGER
loan_id	STRING
loan_information_notes	STRING
loan_name	STRING
loan_settlement_date	STRING
maturity_date	STRING
naics_code	STRING
number_of_employees	INTEGER
number_of_guarantors	INTEGER
original_principal_cents	INTEGER
origination_date	STRING
outstanding_debt_monthly_payment_cents	INTEGER
ownership_percentage	DECIMAL
owed_investor_fee_cents	INTEGER Note: This will almost always be null.
owed_interest_cents	INTEGER
part_of_franchise_network	BOOLEAN
purchased_date	STRING
reason_for_borrowing	STRING
remaining_principal_cents	INTEGER
state	STRING
status	STRING
state_of_incorporation	STRING
term_months	INTEGER
total_cost_cents	INTEGER
total_outstanding_debt_cents	INTEGER
use_of_funds	ARRAY OF STRINGS
website_url	STRING
who_are_we	STRING
years_of_operation	DECIMAL
days_past_due	INTEGER
days_past_due_synced_at	STRING Timestamp UTC.

/holdings/:id/financials

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.

GET https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/financials
{
    "_embedded": {
        "financials": [
            {
                "total_liabilities_cents": 92300000,
                "net_profit_cents": -56200000,
                "pp_and_e_net_cents": 17500000,
                "total_equity_cents": 942000000,
                "wages_cents": 100000000,
                "shareholder_loans_cents": 45600000,
                "other_current_assets_cents": 12000000,
                "loans_outstanding_cents": 20100000,
                "cost_of_goods_cents": 25000000,
                "interest_expenses_cents": 1200000,
                "cash_cents": 60000000,
                "ebitda_cents": -42500000,
                "other_expenses_cents": 14800000,
                "earnings_before_expenses_cents": -43700000,
                "depreciation_and_amortization_cents": 2000000,
                "accounts_receivable_cents": 25000000,
                "gross_revenue_cents": 120000000,
                "operating_expenses_cents": 149800000,
                "current_assets_cents": 97000000,
                "other_liabilities_cents": 1000000,
                "statement_source": null,
                "officers_salaries_cents": 10000000,
                "gross_profit_cents": 107300000,
                "total_long_term_assets_net_cents": 24500000,
                "short_term_liabilities_cents": 25600000,
                "general_administrative_expenses_cents": 25000000,
                "taxes_cents": 3000000,
                "total_assets_cents": 121500000,
                "provided_for_year": "2014-10-01T00:00:00.000Z",
                "goodwill_and_other_intangibles_net_cents": 500000,
                "other_long_term_assets_cents": 6500000,
                "extraordinary_items_cents": 7500000
            },
            {
                "total_liabilities_cents": 92300000,
                "net_profit_cents": -56200000,
                "pp_and_e_net_cents": 17500000,
                "total_equity_cents": 942000000,
                "wages_cents": 100000000,
                "shareholder_loans_cents": 45600000,
                "other_current_assets_cents": 12000000,
                "loans_outstanding_cents": 20100000,
                "cost_of_goods_cents": 25000000,
                "interest_expenses_cents": 1200000,
                "cash_cents": 60000000,
                "ebitda_cents": -42500000,
                "other_expenses_cents": 14800000,
                "earnings_before_expenses_cents": -43700000,
                "depreciation_and_amortization_cents": 2000000,
                "accounts_receivable_cents": 25000000,
                "gross_revenue_cents": 120000000,
                "operating_expenses_cents": 149800000,
                "current_assets_cents": 97000000,
                "other_liabilities_cents": 1000000,
                "statement_source": null,
                "officers_salaries_cents": 10000000,
                "gross_profit_cents": 107300000,
                "total_long_term_assets_net_cents": 24500000,
                "short_term_liabilities_cents": 25600000,
                "general_administrative_expenses_cents": 25000000,
                "taxes_cents": 3000000,
                "total_assets_cents": 121500000,
                "provided_for_year": "2013-08-01T00:00:00.000Z",
                "goodwill_and_other_intangibles_net_cents": 500000,
                "other_long_term_assets_cents": 6500000,
                "extraordinary_items_cents": 7500000
            }
        ]
    },
    "_links": {
        "self": {
            "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/financials"
        }
    }
}

Key	Data Type
accounts_receivable_cents	INTEGER
as_of_date	STRING
cash_cents	INTEGER
cost_of_goods_cents	INTEGER
current_assets_cents	INTEGER
depreciation_and_amortization_cents	INTEGER
earnings_before_expenses_cents	INTEGER
ebitda_cents	INTEGER
extraordinary_items_cents	INTEGER
general_administrative_expenses_cents	INTEGER
goodwill_and_other_intangibles_net_cents	INTEGER
gross_profit_cents	INTEGER
gross_revenue_cents	INTEGER
interest_expenses_cents	INTEGER
loans_outstanding_cents	INTEGER
net_profit_cents	INTEGER
officers_salaries_cents	INTEGER
operating_expenses_cents	INTEGER
other_current_assets_cents	INTEGER
other_expenses_cents	INTEGER
other_liabilities_cents	INTEGER
other_long_term_assets_cents	INTEGER
pp_and_e_net_cents	INTEGER
shareholder_loans_cents	INTEGER
short_term_liabilities_cents	INTEGER
statement_source
taxes_cents	INTEGER
total_assets_cents	INTEGER
total_equity_cents	INTEGER
total_liabilities_cents	INTEGER
total_long_term_assets_net_cents	INTEGER
wages_cents	INTEGER

/holdings/:id/payments

Using the /payments endpoint will show all of the payments that have been made on a given loan.

GET https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/payments
{
    "_embedded": {
        "total_interest_paid_cents": 0,
        "total_principal_paid_cents": 0,
        "count_of_payments_made": 0,
        "payments": [
            {
                "status": "scheduled",
                "principal_cents": 1050509,
                "interest_cents": 336925,
                "settled_at": null,
                "investor_fee_cents": 24084,
                "total_cents": 1411518,
                "due_date": "2015-03-04T00:00:00.000Z",
                "period": 1
            },
            {
                "status": "scheduled",
                "principal_cents": 1062758,
                "interest_cents": 324679,
                "settled_at": null,
                "investor_fee_cents": 23208,
                "total_cents": 1410645,
                "due_date": "2015-04-04T00:00:00.000Z",
                "period": 2
            },
            {
                "status": "scheduled",
                "principal_cents": 1075147,
                "interest_cents": 312289,
                "settled_at": null,
                "investor_fee_cents": 22322,
                "total_cents": 1409758,
                "due_date": "2015-05-04T00:00:00.000Z",
                "period": 3
            },
    "_links": {
        "self": {
            "href": "https://investor-api.fundingcircle.us/api/v2/holdings/d0a42o2e-e116-4c4f-be7e-65155d044d61/payments"
        }
    }
}

Key	Data Type	Description
count_of_repayments_made	INTEGER	Shows how many payments were completed
due_date	STRING	The date this payment is due
interest_cents	INTEGER	The portion of the payment that is in interest
investor_fee_cents	INTEGER	The amount of the payment that goes towards paying the investor
period	INTEGER	The number of the payment period based on the schedule of payments
principal_cents	INTEGER	The portion of the payment that is principal
total_cents	INTEGER	The total amount of the payment
status	INTEGER	The state that the payment is in
settled_at	STRING	Shows the date that the payment was finalized
total_principal_paid_cents	INTEGER	The total amount of principal on the loan that has been repaid
total_interest_paid_cents	INTEGER	The total amount of principal on the loan that has been repaid