This endpoint will allow you to make purchases using the API. The endpoint will work for both whole loans and fractional, however for fractional you will need to use the parameter amount_cents.

The normal maximum order restrictions will apply to fractional loans and all POSTs are rate limited to 40 per second (spread across that second) to ensure fairness amongst our investors.

Purchasing Whole Loans

You can purchase whole loans through the API either by placing the loan ID in form data, or, as a query parameter as shown below.

POST https://investor-api.fundingcircle.us/api/v2/orders?listing_id=9f8c36b9-31e9-461e-bc57-cbb69fe8450


{
  "transaction_id": 238699,
  "purchased_amount_cents": 1000000,
  "cashback_rate": 0,
  "fund_managed": false,
  "updated_at": "2015-07-02T12:16:00-07:00",
  "interest_rate": 0.08990000000000001,
  "status": "pending",
  "id": "dde0l929-842a-64e9-a618-03feo4a4alca",
  "truncated": false,
  "listing_id": "dde0l929-842a-64e9-a618-03feo4a4alca",
  "investor_postfunded": false,
  "investor_id": "1feb837e-c38f-4f19-b349-04a85af2e3ca",
  "investor_servicer_code": "orion",
  "accrued_interest_cents": 0,
  "original_purchase_amount_cents": 100000,
  "created_at": "2015-07-02T12:16:00-07:00",
  "payment_due_at": null
}

Purchasing Fractional Loans

Introduced in version 2, you can now purchase a fractional loans via the API. In order to do this, you will need to specify the 'amount_cents' either in form data, or as a parameter shown below.

POST https://investor-api.fundingcircle.us/api/v2/orders?listing_id=9f8c36b9-31e9-461e-bc57-cbb69fe8450&amount_cents=150000


{
  "transaction_id": 238699,
  "purchased_amount_cents": 150000,
  "cashback_rate": 0,
  "fund_managed": false,
  "updated_at": "2015-07-02T12:16:00-07:00",
  "interest_rate": 0.08990000000000001,
  "status": "pending",
  "id": "dde0l929-842a-64e9-a618-03feo4a4alca",
  "truncated": false,
  "listing_id": "dde0l929-842a-64e9-a618-03feo4a4alca",
  "investor_postfunded": false,
  "investor_id": "1fob897e-c380-4fl9-b379-04a85af5e3ca",
  "investor_servicer_code": "orion",
  "accrued_interest_cents": 0,
  "original_purchase_amount_cents": 100000,
  "created_at": "2015-07-02T12:16:00-07:00",
  "payment_due_at": null
}

Responses

The keys returned by both the Whole and Fractional purchases are the same

KeyData TypeDiscription
accrued_interest_centsINTEGERThe amount of interest that the loan has generated before becoming an holding
cashback_rateDECIMAL
created_atSTRINGWhen the order was created
fund_managedBOOLEANIndicates if the loan is managed by a Funding Circle fund
idSTRINGThe unique identifier of the order
interest_rateDECIMALHow much interest is being charged on the loan
investor_idSTRINGThe unique ID of the investor who placed the order
investor_postfundedBOOLEANIndicates whether or not that investor is a post funded investor
investor_servicer_code
listing_idSTRINGThe unique ID of the listing
original_purchase_amount_centsINTEGERThe amount that the loan was purchased for
payment_due_atSTRINGWhen payment for the order is due
purchased_amount_centsINTEGERThe amount that was ultimately paid for the order
statusSTRINGThe current state of the order
transaction_idSTRINGA unique identifier for the transaction (actual cash transfer)
truncatedBOOLEAN
updated_atSTRINGWhen the loan was last modified