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.

1725

/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"
        }
    }
}
KeyData TypeDescription
expiry_dateSTRINGThe date the listing will no longer be active (you will be unable to purchase the listing as of this date).
live_dateSTRINGThe date the listing became available for purchase.
idSTRINGA Unique Identifier for this listing
statusSTRINGThe current status of this listing
typeSTRINGThe type of loan (loans can be whole, or fractional)
preview_dateSTRINGThe 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
}
KeyDataTypeDescription
accrued_interest_centsINTEGERHow much interest the listing has already accrued
asset_coverage_ratioSTRINGShows the ability for a company to cover their debt obligations after they have satisfied other liabilities
business_bankruptcyBOOLEANTRUE if the business has had a bankruptcy in the last 5 years
business_financials_notesSTRINGSupplemental notes about the businesses financial statements
CitySTRINGThe city in which the business is located.

NOTE: Applied to whole loans only.
credit_ratingSTRINGThe Funding Circle determined credit rating (Risk Band)
credit_scoreINTEGERThe FICO provided credit score
credit_score_dateSTRINGWhen the FICO credit score was obtained
date_of_business_bankruptcySTRINGThe date the business filed for bankruptcy, if they have ever filed for bankruptcy
days_accruedINTEGERHow many days have occurred where the loan has generated interest
dba_nameSTIRNGThe name that the business is operating under (Doing Business As)
debt_coverage_ratioSTRINGThe ratio of cashflow available for the business to repay interest and principal on debt.
equity_contributionDECIMALWhat percentage of the business the applicant owns.
industrySTRINGThe NAICS compliant industry of which the business operated
interest_rateDECIMALThe Funding Circle determined amount on interest the business will pay for the loan (as a percentage)
loan_idDECIMALThe Unique identifier for that loan
loan_information_notesSTRINGSupplemental notes about the loan.
loan_nameSTRINGThe name of the loan
loan_statusSTRINGThe status of the loan
loan_typeSTRINGThe type of loan (i.e. whole, fractional)
naics_codeSTRINGThe North American Industry Classification System code that the business is under
number_of_employeesINTEGERHow many people work at the business
number_of_guarantorsINTEGERThe number of other people who are liable and responsible for repaying the loan
original_principal_centsINTEGERThe dollar value of the loan given to the borrower
outstanding_debt_monthly_payment_centsINTEGERAny debts that the borrower is already paying in dollar amount per month
part_of_franchise_networkBOOLEANWhether or not the business is part of a franchised business model
stateSTRINGThe state that the business is operating in
state_of_incorporationSTRINGThe state that the business had incorporated
term_monthsINTEGERThe length of time that the loan is for
total_cost_centsINTEGERThe total cost of the loan to the borrower including principal, interest, and fees
total_outstanding_debt_centsINTEGERThe amount of debt that the business has already incurred
use_of_fundsSTRING (ARRAY)What the business intends to use the loan for
website_urlSTRINGThe website of the business
who_are_weSTRINGA description of the business
why_should_you_lend_to_usSTRINGA borrower provided reason for why they need theloan
years_of_operationINTEGERHow 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"
        }
    }
}
KeyDatatype
accounts_receivable_centsINTEGER
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
provided_for_yearSTRING
shareholder_loans_centsINTEGER
short_term_liabilities_centsINTEGER
statement_sourceSTRING
taxes_centsINTEGER
total_assets_centsINTEGER
total_equity_centsINTEGER
total_liabilities_centsINTEGER
total_long_term_assets_net_centsINTEGER
wages_centsINTEGER
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"
        }
    }
}
KeyData TypeDescription
periodINTEGERThe number of the payment period based on the schedule of payments
due_dateSTRINGThe date this payment is due
total_centsINTEGERThe total amount of the payment
principal_centsINTEGERThe portion of the payment that is principal
interest_centsINTEGERThe portion of the payment that is in interest
settled_atSTRINGWhen the payment was made