Lean Technologies Credit Assessments (New) API is one of 65 APIs that Lean Technologies publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
Tagged areas include Credit Assessments (New). The published artifact set on APIs.io includes an OpenAPI specification.
This API exposes
1 operation
across 1 path,
and defines 106 schemas.
It is described by OpenAPI 3.2.0, at version v2.0.0.
Requests are made against 4 base URLs: https://sandbox.leantech.me, https://api2.leantech.me, https://sandbox.sa.leantech.me, https://api2.sa.leantech.me.
The identity and technical contract details declared by the specification.
CreditAssessmentRatioIndicator
object
A ratio-based credit indicator including the computed rate, regulatory ceiling, and derived maximum installment.
3 properties
3 required
CashBalanceInflowFactors
object
1 property
1 required
NonCreditObligations
object
2 properties
BehaviorsMerchantSection
object
Merchant breakdown with detected-merchant count.
3 properties
3 required
Breakdown
object
2 properties
2 required
FreelancerCashFlowTotal
object
4 properties
BehavioralLocationBreakdown
object
Aggregate stats for one location.
11 properties
11 required
FreelancerMonthlyFlows
object
3 properties
FreelancerPeriodFactors
object
3 properties
CurrencyAmount
object
2 properties
2 required
CreditAssessmentExpenses
object
Monthly expense breakdown used for credit assessment.
5 properties
5 required
CreditObligationsV2
object
Lender-oriented view of credit activity, split into repayments and disbursements.
2 properties
2 required
BigPayments
object
1 property
1 required
Expenses
object
4 properties
4 required
NonCreditObligationsBreakdownBy
object
2 properties
CreditObligations
object
4 properties
4 required
IncomeSourceType
string
Classification of income source type (combined enum for all income sources)
BehaviorsCategorySection
object
Category breakdown with detected-category counts.
4 properties
4 required
CreditAssessmentIncome
object
Income components used in credit assessment.
3 properties
3 required
CreditObligationsRepayments
object
Repayment aggregates and breakdown by lendername, credittype.
2 properties
2 required
FrequencyTime
string
Frequency of contributions
CreditObligationsDisbursements
object
Disbursement aggregates and breakdown by lendername.
2 properties
2 required
CreditObligationsDisbursementBreakdown
object
Aggregate disbursement stats for a single lender.
8 properties
8 required
CashBalanceTotal
object
5 properties
CashflowPattern
object
8 properties
8 required
CreditAssessmentComputedIndicators
object
Derived financial indicators used in credit assessment decisions.
3 properties
3 required
CashFlowMonthlyTotal
object
6 properties
CreditObligationsV2Payload
object
Insights payload wrapper carrying the lender-oriented credit-obligations
1 property
1 required
Result
object
6 properties
4 required
CashFlowPatternMonthlyTotal
object
3 properties
3 required
MonthlyTotalExpenses
object
6 properties
2 required
IncomeTotal
object
9 properties
ExpensesTotal
object
9 properties
2 required
CreditAssessmentEmploymentIncome
object
Employment income details for credit assessment.
4 properties
4 required
AccountControlsThresholds
object
Result of evaluating each configurable gate. A null flag means the gate is not configured/enabled for this client and is excluded from the verdict.
4 properties
4 required
NonCreditObligationsTotal
object
9 properties
1 required
ResultStatus
string
The status of the request
CurrentCreditCardsBalance
object
1 property
CashBalanceOutflowFactors
object
1 property
1 required
CreditAssessmentPayload
object
Insights payload wrapper carrying the credit evaluation data
1 property
1 required
CategoryTotalBreakdownElement
object
11 properties
3 required
CashflowPatterns
object
Cashflow pattern analysis results.
1 property
1 required
MonthlyAmount
object
3 properties
CreditAssessmentOtherIncomeBreakdownItem
object
A single non-employment income source with its contribution details.
5 properties
5 required
Period
string
Time period for historical data
IncomeTransaction
object
6 properties
5 required
BehavioralCategoryBreakdown
object
Aggregate stats for one (primarycategory, secondarycategory) combination.
14 properties
14 required
AccountControlsVerdict
object
True only if all enabled thresholds pass
1 property
1 required
CreditObligationsTotal
object
13 properties
CreditDebitBehaviour
object
1 property
1 required
BalanceFactorsPeriod
object
2 properties
AmountCount
object
2 properties
1 required
AccountControlsSignals
object
Config-independent observable facts about the account.
8 properties
8 required
NonCreditObligationsMonthlyTotal
object
5 properties
1 required
CreditObligationsRepaymentBreakdown
object
Aggregate repayment stats for a single lender.
9 properties
9 required
CashflowInterval
object
2 properties
2 required
FreelancerCashFlowMonthlyTotal
object
6 properties
3 required
CategoryMonthlyBreakdownElement
object
4 properties
2 required
AccountControlsPayload
object
Insights payload wrapper carrying aggregated eligibility verdict for underwriting decisions
1 property
1 required
IncomeVerificationResponsePayload
object
2 properties
CashFlowNet
object
2 properties
CashBalanceMonthlyTotal
object
7 properties
CreditDebitBehaviourPeriod
object
10 properties
10 required
CreditAssessments
object
Credit evaluation data including income, expenses, balance, and computed indicators.
4 properties
4 required
CashFlowCategoryAmountCount
object
3 properties
IncomeCategoryPayload
object
5 properties
NonCreditObligationsMonthlyAmount
object
2 properties
EmploymentDetails
object
6 properties
6 required
BaseInflowOutflowFactors
object
9 properties
9 required
InsightsResultType
string
type of insight
BehavioralMerchantBreakdown
object
Aggregate stats for one merchant.
11 properties
11 required
AccountControls
object
Account Controls assessment of a connected account: config-independent observable signals, configurable threshold-gate flags, and an aggregated eligibility ver…
3 properties
3 required
FreelancerAccountInformation
object
3 properties
Currency
string
The ISO 3 letter currency code
BehaviorsPayload
object
Insights payload wrapper carrying the behavioral aggregations on debit transactions
1 property
1 required
IncomeMonthlyTotal
object
5 properties
CashBalance
object
3 properties
Translation
objectnull
2 properties
2 required
FreelancerCashFlow
object
3 properties
BalanceInsights
object
5 properties
CreditAssessmentOtherIncome
object
Non-employment income sources for credit assessment.
1 property
1 required
CashFlow
object
4 properties
NonCreditObligationsBreakdown
object
8 properties
2 required
IncomeFactorsPeriod
object
3 properties
IncomeSourceDetails
objectnull
2 properties
EmploymentPayload
object
1 property
BigPaymentsPeriod
object
4 properties
4 required
CreditObligationsMonthlyTotal
object
8 properties
CreditObligationsOverall
object
Aggregate totals across all lenders for a credit activity type.
8 properties
8 required
ExpensesMonthlyAmount
object
3 properties
1 required
StatusDetail
objectnull
2 properties
ExpensesTransaction
object
6 properties
5 required
FreelancerInflowsOutflows
object
3 properties
CashflowRegularity
object
6 properties
6 required
IncomeFactors
object
3 properties
Behaviors
object
Behavioral insights aggregating debit transactions over a period: three breakdown sections (by category, by merchant, by location), each carrying its own detec…
3 properties
3 required
BehaviorsLocationSection
object
Location breakdown with detected-location count.
3 properties
3 required
FreelancerMonthlyBalance
object
2 properties
BalanceFactors
object
7 properties
7 required
CreditAssessmentBalance
object
Balance statistics over the analysis period.
3 properties
3 required
EmployerDetails
object
2 properties
Expenses_2
object
4 properties
4 required
ResultStatus_2
string
The status of the request
The full machine-readable OpenAPI contract behind this narrative.
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