Cowdidocs
API ReferenceInvoice financing

Estimate the invoice discount

POST
/v1/merchants/{merchantId}/invoice-financing/applications/preview

Calculates the discount and payout for financing an invoice on a hypothetical disbursement date, without creating an application. Requires the merchant:financing.invoices:read permission on the merchant. Returns 404 when the merchant does not belong to the caller's organization.

Authorization

oauth2
AuthorizationBearer <token>

Create a client with POST /v1/oauth/clients, then exchange its credentials for an access token. AUTHORIZATION_CODE clients act on behalf of a signed-in user and always use PKCE; CLIENT_CREDENTIALS clients act as themselves. A client may only be granted scopes its creator already holds — read the grantable list from GET /v1/oauth/clients/scopes.

In: header

Path Parameters

merchantId*string

Unique identifier of the merchant.

Formatuuid

Request Body

application/json

Fields to price an invoice financing estimate, without creating an application.

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

application/json

curl -X POST "https://example.com/v1/merchants/a50e8400-e29b-41d4-a716-446655440000/invoice-financing/applications/preview" \  -H "Content-Type: application/json" \  -d '{    "invoice_amount": {      "value": 100000,      "currency": "KES"    },    "due_date": "2026-11-01",    "estimated_disbursement_date": "2026-10-01"  }'
{  "estimated_disbursement_date": "2026-10-01",  "due_date": "2026-11-01",  "estimated_discount": {    "value": 15000,    "currency": "KES"  },  "estimated_payout": {    "value": 485000,    "currency": "KES"  }}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "FORBIDDEN",  "description": "Forbidden"}
{  "estimated_disbursement_date": "2026-10-01",  "due_date": "2026-11-01",  "estimated_discount": {    "value": 15000,    "currency": "KES"  },  "estimated_payout": {    "value": 485000,    "currency": "KES"  }}
{  "code": "RATE_LIMIT_EXCEEDED",  "description": "Too Many Requests"}
{  "code": "INTERNAL_ERROR",  "description": "Internal Server Error"}

Get an invoice application GET

Returns one invoice application with its dated discount estimate and its payout. The payout fixes the estimate to its authorization date. Requires the `merchant:financing.invoices:read` permission on the merchant. Returns 404 when the merchant does not belong to the caller's organization, or the application does not exist for that merchant.

List installments for an account GET

Retrieves the installment schedule for a lending account: a term loan, a revolving credit account, or a Flex Credit account. Requires an authenticated user. Returns 404 when the account does not exist or is not the caller's. Returns 400 when the account is not a lending account.