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.

1725

/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"
        }
    }
}
KeyData TypeDescription
idSTRINGThe unique identifier of the holding
loan_idSTRINGThe loan that this holding is a part of (for fractional loans)
loan_nameSTRINGThe name of the loan
original_principal_centsINTEGERThe original amount of the loan not including interest and fees.
remaining_principal_centsINTEGERThe amount of principal on the loan that has not yet been repaid
statusSTRINGThe delinquency status of the loan
days_past_dueINTEGERDays past due.
days_past_due_synced_atSTRINGTimestamp UTC.
loan_amount_centsINTEGERThe amount of the loan
term_monthsINTEGERThe term of the loan
interest_rateDECIMALThe interest rate of the loan
purchased_dateSTRINGThe 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"
}
KeyData Type
asset_coverage_ratioDECIMAL
accrued_interest_daysINTEGER
accrued_interest_centsINTEGER
accrued_interest_at_purchase_centsINTEGER
accrued_interest_at_purchase_daysINTEGER
business_bankruptcyBOOLEAN
business_nameSTRING
business_financials_notesSTRING
citySTRING
credit_ratingSTRING
credit_scoreINTEGER
credit_score_dateSTRING
date_of_business_bankruptcySTRING
dba_nameSTRING
debt_coverage_ratioDECIMAL
defaulted_dateSTRING
equity_contributionDECIMAL
idSTRING
industrySTRING
interest_rateDECIMAL
loan_amount_centsINTEGER
loan_idSTRING
loan_information_notesSTRING
loan_nameSTRING
loan_settlement_dateSTRING
maturity_dateSTRING
naics_codeSTRING
number_of_employeesINTEGER
number_of_guarantorsINTEGER
original_principal_centsINTEGER
origination_dateSTRING
outstanding_debt_monthly_payment_centsINTEGER
ownership_percentageDECIMAL
owed_investor_fee_centsINTEGER
Note: This will almost always be null.
owed_interest_centsINTEGER
part_of_franchise_networkBOOLEAN
purchased_dateSTRING
reason_for_borrowingSTRING
remaining_principal_centsINTEGER
stateSTRING
statusSTRING
state_of_incorporationSTRING
term_monthsINTEGER
total_cost_centsINTEGER
total_outstanding_debt_centsINTEGER
use_of_fundsARRAY OF STRINGS
website_urlSTRING
who_are_weSTRING
years_of_operationDECIMAL
days_past_dueINTEGER
days_past_due_synced_atSTRING
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"
        }
    }
}
KeyData Type
accounts_receivable_centsINTEGER
as_of_dateSTRING
cash_centsINTEGER
cost_of_goods_centsINTEGER
current_assets_centsINTEGER
depreciation_and_amortization_centsINTEGER
earnings_before_expenses_centsINTEGER
ebitda_centsINTEGER
extraordinary_items_centsINTEGER
general_administrative_expenses_centsINTEGER
goodwill_and_other_intangibles_net_centsINTEGER
gross_profit_centsINTEGER
gross_revenue_centsINTEGER
interest_expenses_centsINTEGER
loans_outstanding_centsINTEGER
net_profit_centsINTEGER
officers_salaries_centsINTEGER
operating_expenses_centsINTEGER
other_current_assets_centsINTEGER
other_expenses_centsINTEGER
other_liabilities_centsINTEGER
other_long_term_assets_centsINTEGER
pp_and_e_net_centsINTEGER
shareholder_loans_centsINTEGER
short_term_liabilities_centsINTEGER
statement_source
taxes_centsINTEGER
total_assets_centsINTEGER
total_equity_centsINTEGER
total_liabilities_centsINTEGER
total_long_term_assets_net_centsINTEGER
wages_centsINTEGER

/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"
        }
    }
}
KeyData TypeDescription
count_of_repayments_madeINTEGERShows how many payments were completed
due_dateSTRINGThe date this payment is due
interest_centsINTEGERThe portion of the payment that is in interest
investor_fee_centsINTEGERThe amount of the payment that goes towards paying the investor
periodINTEGERThe number of the payment period based on the schedule of payments
principal_centsINTEGERThe portion of the payment that is principal
total_centsINTEGERThe total amount of the payment
statusINTEGERThe state that the payment is in
settled_atSTRINGShows the date that the payment was finalized
total_principal_paid_centsINTEGERThe total amount of principal on the loan that has been repaid
total_interest_paid_centsINTEGERThe total amount of principal on the loan that has been repaid