Cowdidocs
API ReferenceFarmworks loans

Create a Farmworks loan application

Get loan eligibility and terms. For JWT auth, uses the authenticated user. For API key auth, provide user_id in body.

POST
/v1/accounts/loan/applications/farmworks

Request Body

application/json

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

curl -X POST "https://example.com/v1/accounts/loan/applications/farmworks" \  -H "Content-Type: application/json" \  -d '{}'
{  "id": "650e8400-e29b-41d4-a716-446655440000",  "resource_id": "lapp_351t201rmv87aae5j4csam8000",  "status": "APPROVED",  "account_id": "550e8400-e29b-41d4-a716-446655440000",  "loan_product_type": "REDUCING_BALANCE",  "loan_amount": 500000,  "tenure": {    "duration": 3,    "unit": "DAYS"  },  "interest_rate": {    "basis_points": 0,    "period_value": 1,    "period_unit": "DAYS"  },  "standard_interest_rate": {    "basis_points": 100,    "period_value": 1,    "period_unit": "DAYS"  },  "terms_range": {    "min_loan_amount": 100000,    "max_loan_amount": 5000000  },  "penalty_terms": {    "rate_basis_points": 100,    "calculation_basis": "PRINCIPAL_AND_ARREARS",    "type": "RECURRING",    "period_days": 1,    "trigger": "AFTER_LOAN_END",    "grace_period_days": 0  },  "applied_deal": {    "id": "750e8400-e29b-41d4-a716-446655440000",    "resource_id": "deal_3n1t201rmv87aae5j4csam8000",    "name": "Planting Season Promo",    "short_message": "0% interest planting season promo applied!"  },  "currency": "KES",  "expires_at": "2025-10-27T10:30:00Z"}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "WAITING_LIST",  "description": "User is in the waiting list"}
{  "code": "TOO_MANY_REQUESTS",  "description": "Too Many Requests"}
{  "code": "INTERNAL_SERVER_ERROR",  "description": "Internal Server Error"}

Apply for a Farmworks loan POST

Submit a loan application. For JWT auth, provide loan_amount only. For API key auth, provide user_id and loan_amount in body.

List every merchant’s invoices in the organization GET

The buyer’s org-wide receivables roll-up, newest first. Each row carries its merchant_id. Requires the org-scoped org:financing.merchants:read permission, checked on the organization resource in the authorization provider (tokens carry no permissions).