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.

/listings

Returns a list of all listings that are available for purchase based on your account type.

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

{
    "size": 100,
    "offset": 0,
    "total_count": 201,
    "_embedded": {
        "listings": [
            {
                "id": "f91l39e5-bbo1-42c8-g9d5-90a2428cfo51",
                "preview_date": "2015-07-30T21:15:22.162Z",
                "live_date": "2015-07-30T21:15:22.162Z",
                "expiry_date": "2015-08-06T21:15:22.162Z",
                "status": "live",
                "type": "whole",
                "_links": {
                    "financials": {
                        "href": "https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials"
                    },
                    "payments": {
                        "href": "https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments"
                    },
                    "self": {
                        "href": "https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51"
                    }
                }
            },
    "_links": {
        "self": {
            "href": "https://investor-api.fundingcircle.us/api/v2/listings"
        }
    }
}

Key	Data Type	Description
expiry_date	STRING	The date the listing will no longer be active (you will be unable to purchase the listing as of this date).
live_date	STRING	The date the listing became available for purchase.
id	STRING	A Unique Identifier for this listing
status	STRING	The current status of this listing
type	STRING	The type of loan (loans can be whole, or fractional)
preview_date	STRING	The date the loan was first previewed.

/listings/: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/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51

{
    "website_url": null,
    "outstanding_debt_monthly_payment_cents": null,
    "loan_information_notes": null,
    "date_of_business_bankruptcy": null,
    "equity_contribution": 0.025,
    "days_accrued": 0,
    "years_of_operation": 0,
    "industry": "Public Administration",
    "loan_name": "Baumbach, Fritsch and Bahringer",
    "city": "Lake Shaynafurt",
    "type": "whole",
    "state": "KS",
    "total_outstanding_debt_cents": null,
    "debt_coverage_ratio": 3.78,
    "who_are_we": "User-centric real-time core",
    "business_bankruptcy": false,
    "state_of_incorporation": null,
    "interest_rate": 0.1749,
    "number_of_employees": 5,
    "status": "live",
    "credit_rating": "C",
    "business_financials_notes": "",
    "id": "f91l39e5-bbo1-42c8-g9d5-90a2428cfo51",
    "part_of_franchise_network": false,
    "asset_coverage_ratio": 0.94,
    "total_cost_cents": 16600000,
    "term_months": 24,
    "use_of_funds": [
        "exploit collaborative schemas"
    ],
    "original_principal_cents": 16600000,
    "credit_score_date": "2015-06-29T00:00:00.000Z",
    "accrued_interest_cents": 0,
    "_links": {
        "financials": {
            "href": "https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials"
        },
        "payments": {
            "href": "https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments"
        },
        "self": {
            "href": "https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51"
        }
    },
    "naics_code": "42",
    "number_of_guarantors": 1,
    "reason_for_borrowing": "strategize seamless mindshare",
    "dba_name": "Baumbach, Fritsch and Bahringer",
    "credit_score": 670
}

Key	DataType	Description
accrued_interest_cents	INTEGER	How much interest the listing has already accrued
asset_coverage_ratio	STRING	Shows the ability for a company to cover their debt obligations after they have satisfied other liabilities
business_bankruptcy	BOOLEAN	TRUE if the business has had a bankruptcy in the last 5 years
business_financials_notes	STRING	Supplemental notes about the businesses financial statements
City	STRING	The city in which the business is located. NOTE: Applied to whole loans only.
credit_rating	STRING	The Funding Circle determined credit rating (Risk Band)
credit_score	INTEGER	The FICO provided credit score
credit_score_date	STRING	When the FICO credit score was obtained
date_of_business_bankruptcy	STRING	The date the business filed for bankruptcy, if they have ever filed for bankruptcy
days_accrued	INTEGER	How many days have occurred where the loan has generated interest
dba_name	STIRNG	The name that the business is operating under (Doing Business As)
debt_coverage_ratio	STRING	The ratio of cashflow available for the business to repay interest and principal on debt.
equity_contribution	DECIMAL	What percentage of the business the applicant owns.
industry	STRING	The NAICS compliant industry of which the business operated
interest_rate	DECIMAL	The Funding Circle determined amount on interest the business will pay for the loan (as a percentage)
loan_id	DECIMAL	The Unique identifier for that loan
loan_information_notes	STRING	Supplemental notes about the loan.
loan_name	STRING	The name of the loan
loan_status	STRING	The status of the loan
loan_type	STRING	The type of loan (i.e. whole, fractional)
naics_code	STRING	The North American Industry Classification System code that the business is under
number_of_employees	INTEGER	How many people work at the business
number_of_guarantors	INTEGER	The number of other people who are liable and responsible for repaying the loan
original_principal_cents	INTEGER	The dollar value of the loan given to the borrower
outstanding_debt_monthly_payment_cents	INTEGER	Any debts that the borrower is already paying in dollar amount per month
part_of_franchise_network	BOOLEAN	Whether or not the business is part of a franchised business model
state	STRING	The state that the business is operating in
state_of_incorporation	STRING	The state that the business had incorporated
term_months	INTEGER	The length of time that the loan is for
total_cost_cents	INTEGER	The total cost of the loan to the borrower including principal, interest, and fees
total_outstanding_debt_cents	INTEGER	The amount of debt that the business has already incurred
use_of_funds	STRING (ARRAY)	What the business intends to use the loan for
website_url	STRING	The website of the business
who_are_we	STRING	A description of the business
why_should_you_lend_to_us	STRING	A borrower provided reason for why they need theloan
years_of_operation	INTEGER	How long the business has been in operation

/listings/: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/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/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/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/financials"
        }
    }
}

Key	Datatype
accounts_receivable_cents	INTEGER
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
provided_for_year	STRING
shareholder_loans_cents	INTEGER
short_term_liabilities_cents	INTEGER
statement_source	STRING
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
provided_for_year

/listings/: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/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments

{
    "_embedded": {
        "payments": [
            {
                "principal_cents": 582711,
                "interest_cents": 241945,
                "settled_at": null,
                "total_cents": 824656,
                "due_date": "2015-08-30T00:00:00.000Z",
                "period": 1
            },
            {
                "principal_cents": 591204,
                "interest_cents": 233452,
                "settled_at": null,
                "total_cents": 824656,
                "due_date": "2015-09-30T00:00:00.000Z",
                "period": 2
            },
            {
                "principal_cents": 599821,
                "interest_cents": 224835,
                "settled_at": null,
                "total_cents": 824656,
                "due_date": "2015-10-30T00:00:00.000Z",
                "period": 3
            },
            {
                "principal_cents": 608563,
                "interest_cents": 216093,
                "settled_at": null,
                "total_cents": 824656,
                "due_date": "2015-11-30T00:00:00.000Z",
                "period": 4
            },
    "_links": {
        "self": {
            "href": "https://investor-api.fundingcircle.us/api/v2/listings/f91l39e5-bbo1-42c8-g9d5-90a2428cfo51/payments"
        }
    }
}

Key	Data Type	Description
period	INTEGER	The number of the payment period based on the schedule of payments
due_date	STRING	The date this payment is due
total_cents	INTEGER	The total amount of the payment
principal_cents	INTEGER	The portion of the payment that is principal
interest_cents	INTEGER	The portion of the payment that is in interest
settled_at	STRING	When the payment was made