Loan offer

The offer object

The canonical offer resource. Offers are product templates that define lending parameters; they are not targeted at individual merchants until you invite specific accounts. Fields below are the primary ones; consult the API Reference for every field and its constraints.

{
  "id": "offer_01HX0000000000000000000000",
  "lender_id": "org_01HX...",
  "name": "Flexible Financing",
  "loan_type": "term",
  "status": "active",
  "currency": "PHP",
  "min_amount": 10000000,
  "max_amount": 50000000,
  "amount_increment": 1000000,
  "interest_fee": 500,
  "interest_fee_type": "bps",
  "repayment_rate": 1000,
  "repayment_rate_type": "bps",
  "min_term": 1,
  "min_term_type": "month",
  "max_term": 12,
  "max_term_type": "month",
  "live_mode": false,
  "created_at": "2026-04-20T01:23:45+08:00",
  "updated_at": "2026-04-20T01:23:45+08:00"
}

All amounts are integers in centavos. Fee and rate amounts are in basis points when their corresponding *_type is bps (e.g. 1000 bps = 10%), or a fixed centavo amount when fixed. loan_type is term or revolving. term_type is week or month.

Differences between term and revolving loan types: