Cowdidocs
API ReferenceRefinancing

Accept a refinance offer

POST
/v1/accounts/credit/{accountId}/refinance/offers/{refinancingId}/accept

Closes the open cycles and opens the replacement cycle on the facility in one step. A repeated request returns the completed offer. Returns 404 REFINANCING_NOT_FOUND for an offer of another user, an offer for another facility, or an offer that no reviewer approved. Returns 409 REFINANCING_NOT_ALLOWED when the offer expired or the facility changed after the offer. Returns the same error when a manual block is on the borrower or on the facility.

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

accountId*string

Unique identifier for an account

Formatuuid
refinancingId*string

The refinance identifier.

Formatuuid

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

curl -X POST "https://example.com/v1/accounts/credit/550e8400-e29b-41d4-a716-446655440000/refinance/offers/497f6eca-6276-4993-bfeb-53cbbbba6f08/accept"
{  "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",  "status": "QUOTED",  "account_id": "550e8400-e29b-41d4-a716-446655440000",  "replacement_account_id": "550e8400-e29b-41d4-a716-446655440000",  "replacement_cycle_id": "550e8400-e29b-41d4-a716-446655440000",  "payoff": {    "value": 100000,    "currency": "KES"  },  "financed_principal": {    "value": 100000,    "currency": "KES"  },  "terms": {    "interest_rate": {      "basis_points": 300,      "period_value": 1,      "period_unit": "DAYS"    },    "tenure": {      "duration": 30,      "unit": "DAYS"    },    "interest": {      "value": 100000,      "currency": "KES"    },    "installment_count": 0,    "first_due_date": "2026-10-31",    "first_installment_amount": {      "value": 100000,      "currency": "KES"    },    "total_repayable": {      "value": 100000,      "currency": "KES"    }  },  "start_date": "2019-08-24",  "expires_at": "2019-08-24T14:15:22Z",  "completed_at": "2026-09-01T10:15:30Z",  "extra_cash": {    "value": 100000,    "currency": "KES"  },  "destination": {    "type": "string",    "paybill_number": 400200,    "account_number": "string"  },  "payout": {    "status": "PENDING",    "completed_at": "2026-09-01T10:15:30Z"  },  "resource_id": "string"}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "FORBIDDEN",  "description": "Forbidden"}
{  "code": "RATE_LIMIT_EXCEEDED",  "description": "Too Many Requests"}
{  "code": "INTERNAL_ERROR",  "description": "Internal Server Error"}

Get a refinance offer GET

Returns a refinance offer of the caller after a reviewer approved it. Returns 404 `REFINANCING_NOT_FOUND` for an offer of another user, an offer for another facility, or an offer that no reviewer approved.

List the refinance offers of a Flex Credit facility GET

Returns the refinance offers of the caller's Flex Credit facility after a reviewer approved them, the newest first. Returns 404 `RESOURCE_NOT_FOUND` for a facility of another user.