Brand API

POST/borrowers

The same fields as our Google Sheet, plus your own loan_id. Documents (the loan agreement and/or statement) are PDF, JPG or PNG, under 1 MB in total per borrower, each either inside the JSON as base64 or as an https link we download once.

curl -X POST https://pandaslp.com.ng/api/v1/borrowers \
  -H "Authorization: Bearer plp_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "loan_id": "LN-2026-0042",
    "borrower_full_name": "Adebayo Ogunleye",
    "phone_number": "08031234567",
    "email": "adebayo@example.com",
    "address_for_service": "12 Isokan Street, Olosan, Ibadan, Oyo State",
    "loan_amount": 500000,
    "amount_outstanding": 380000,
    "loan_date": "2026-03-15",
    "last_payment_date": "2026-06-01",
    "notes": "Promised to pay in July; has not.",
    "documents": [
      { "filename": "loan-agreement.pdf", "content_base64": "JVBERi0xLjQK..." },
      { "filename": "statement.pdf", "url": "https://files.example.ng/LN-2026-0042.pdf" }
    ]
  }'

Every borrower is checked straight away, and the answer comes back in the same response:

{
  "test": true,
  "results": [
    { "loan_id": "LN-2026-0042", "case_id": "ACME-0004", "status": "new" }
  ]
}

• status: "new": accepted and queued. Keep our case_id, or keep using your loan_id.
• status: "missing_documents" with missing: exactly what to fix. Resend the loan with the fix, or add a note.
• error: the borrower couldn’t be accepted at all (an unknown field, no loan_id…). Fix and resend.

Several at once: send { "borrowers": [ … ] } with up to 50. Keep each request under 5 MB: with documents inside the JSON that’s about 3 borrowers per call; with links, up to 50. Each borrower gets its own result, in the order sent.

Never twice: sending the same loan_id again (a retry, say) returns the same case with duplicate: true. Before we start on a borrower, a resend with changed details corrects it (updated: true). After we’ve started, changes aren’t applied: they come back in flagged and our staff decide. Send updates as notes instead.

GET/borrowers/{case_id or loan_id}

curl https://pandaslp.com.ng/api/v1/borrowers/LN-2026-0042 -H "Authorization: Bearer plp_test_..."

{
  "case_id": "ACME-0004", "loan_id": "LN-2026-0042", "status": "served", "test": true,
  "missing": [], "letter_available": true,
  "served_at": "2026-10-12T09:30:00.000Z", "day7_sent_at": null, "day14_sent_at": null,
  "awaiting_decision_since": null, "created_at": "…", "updated_at": "…"
}

GET/borrowers/{id}/letter

A PDF, available once a lawyer has approved the letter (before that: 409 letter_not_available). Before serving it’s the approved letter; once served, it’s the stamped copy that was served. Two headers tell you which you have: X-Letter-Version (approved or served) and X-Letter-Stamped (yes or no).

curl -OJ https://pandaslp.com.ng/api/v1/borrowers/ACME-0004/letter -H "Authorization: Bearer plp_live_..."

POST/borrowers/{id}/notes

Notes are added with the date, never replaced. Before we start on a borrower, a note becomes part of their details, and a borrower in Missing Documents is checked again. After that it goes to our staff (for example: “the borrower called and paid half”).

curl -X POST https://pandaslp.com.ng/api/v1/borrowers/LN-2026-0043/notes \
  -H "Authorization: Bearer plp_live_..." -H "Content-Type: application/json" \
  -d '{ "note": "Correct email is adebayo.o@example.com" }'

{ "case_id": "ACME-0005", "status": "new", "reopened": true, "used_for_letter": true }

POST/borrowers/{id}/advance

curl -X POST https://pandaslp.com.ng/api/v1/borrowers/LN-TEST-1/advance -H "Authorization: Bearer plp_test_..."

{ "case_id": "ACME-0001", "from": "letter_drafted", "status": "lawyer_approved" }

To test Missing Documents, send a borrower with a gap (no email, say). You get your live key once you’ve sent a test borrower, taken one through to Day 14, downloaded its letter, and received a webhook.