Complete credit assessment

PATCH /v1/channel-partner/customer-partner/:cup_id/complete-credit-assessment

Payload

Field	Type	Description
holdco_incorporation_documents_1	FILE	Certificate of incorporation for your parent company.
holdco_incorporation_documents_2	FILE	Certificate of incorporation for your parent company.
opco_incorporation_documents	FILE	Certificate of incorporation for your core operating entity.
memorandum	FILE	Original registration documents outlining name, objectives, share capital upon establishment.
bank_statements	FILE	Shows at least 6 months of financial transaction history and cash balance.
management_profile	FILE	Summary of company history, services, team bios to understand capabilities and leadership.
audited_financial_reports	FILE	Independently audited financial statement. Provides verified financial performance metrics.
shareholders_details	FILE	Outlined on the CAC 2 document. Names, ownership percentages and background of all major shareholders for control and compliance review.
directors_details	FILE	Outlined on the CAC 7 document. Names and background of all directors for control and compliance review.
business_summary	FILE	High-level overview of business model, target customers, market opportunity for quick context.
management_financial_report_2024_1	FILE	Management financial report for 2024
management_financial_report_2024_2	FILE	Management financial report for 2024
management_financial_report_2023	FILE	Management financial report for 2023
financial_information	string	This is a stringified object that contains the financial information from the previous 2 years (at most) till date E.g. '{"2023":{"income":"206576347","cost_of_sales":"160905272","operating_expense":"8931200","depreciation":"1750000","tax":"10050511","total_assets":"36839875","equity":"1000000","cash_reserve":"419047","total_debt":"800000","capex":"10000000","principal_repayment":"7741892","period":"12"},"2024":{"income":"364305604","cost_of_sales":"306726088","operating_expense":"11413209","depreciation":"1750000","tax":"14379443","total_assets":"71355590","equity":"1000000","cash_reserve":"3597116","total_debt":"950100","capex":"0","principal_repayment":"8395226","period":"6"}}'
loan_book	FILE	This is the record of all transactions your business has handled over a period of time (min 6 months).
side_letter	FILE	The executed offer letter from B54 stating terms and conditions of funding.
board_resolution	FILE
means_of_identification	FILE	Lock box document: could be driver's license, internattional passport, etc
signature_mandate	FILE	Lock box document
utility_bill	FILE	Lock box document
passport_photograph	FILE	Lock box document
bank_forms	FILE	Lock box document

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The payload _^object

All fields are compulsory. If you have multiple documents to share for one of the file fields, then append to the field name: _1, _2, _3, and so on.

The management_financial_report fields should have the year related to it appended to the name. E.g. management_financial_report_2023

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Response

This is the expected response if the request is successful.

JSON

{
	"status": "success",
	"message": "Credit assessment record saved",
}