Advanced Implementation

The following are optional implementation steps that can be taken to optimize the branding, streamline the end customer experience, and provide access to richer functionality.

Performing prequalification checks

By creating a prequalification resource, you can run a pre-qualification check to determine if an end customer meets minimum eligibility requirements to apply for capital. A customer's eligibility is based on the business information attributes listed below.

You can choose to perform a prequalification check with business identity or perform an anonymous check.

• Performing an anonymous check: Omit business information such as businessName and businessContact, and only pass an externalId as a unique identifier for the end customer on your side as a special tag.
• Performing a check with business identity: Pass businessName and businessContact along with an externalId as a special tag to identify the end customer.

Create Prequalification

Verb	POST
URL	https://api.s.unit.sh/prequalifications
Data Type	prequalification
Timeout (Seconds)	5

Attributes

Field	type	Description
businessName	string	Optional. Name of the business.
businessContact	BusinessContact	Optional. Primary contact of the business.
businessStructure	string	One of LLC, Sole Proprietor, S Corporation, C Corporation.
businessAddress	Address	Address of the business. Must be a US address
naicsCode	string	6 digits business NAICS code, see https://www.census.gov/naics/2022NAICS/6-digit_2022_Codes.xlsx
dateOfIncorporation	RFC3339 Date string	Date of incorporation of the business.
averageMonthlyRevenue	integer	Average monthly revenue (in cents).
dateOfBirth	RFC3339 Date string	Date of birth of the applicant, must be over 18.
creditScore	integer	Optional. Applicant Fico's score.
requestedLoanAmount	integer	Optional. Requested loan amount (in cents).
tags	object	See Tags.

Example Request:

curl -X POST 'https://api.s.unit.sh/capital/prequalifications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "prequalification",
    "attributes": {
      "naicsCode": "112310",
      "businessStructure": "LLC",
      "businessAddress": {
        "street": "20 Ingram St",
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "dateOfIncorporation": "2001-08-10",
      "averageMonthlyRevenue": "870000",
      "dateOfBirth": "2001-08-10",
      "creditScore": "700",
      "requestedLoanAmount": 13000000,
      "tags": {
        "externalId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Prequalification is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the prequalification resource.
type	string	Type of the prequalification resource.
attributes	JSON Object	JSON object representing the prequalification data.

Attributes

Field	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
amount	integer	The prequalified amount (in cents).
expiredAt	RFC3339 Date string	Date only (e.g. "2001-08-15").
status	string	One of Rejected, Prequalified, Expired.
tags	object	See Tags.

Example response:

{
  "data": {
    "type": "prequalification",
    "id": "7345432",
    "attributes": {
      "createdAt": "2022-02-23T12:15:47.386Z",
      "amount": 12000000,
      "expiredAt": "2025-03-20",
      "status": "Prequalified",
      "tags": {
        "externalId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
      }
    }
  }
}

Embedding prequalification banner

5 minutes

The prequalification banner allows you to advertise a tailored pre-qualified capital offer to your customer and invite them to complete an application for capital. You can choose to embed the prequalification component anywhere inside your app. Doing so at key decision points, when you expect a customer may be looking for financing, can meaningfully drive capital product adoption.

The prequalification banner is an embedded component that interacts with the prequalification resource. You must perform a prequalification check via API before you can display a prequalified offer to the customer. If you have not performed a prequalification check via API, if you have performed a check but a customer was not prequalified for capital, or if the customer's prequalification offer has expired, the prequalification banner will show nothing and will not occupy any space in your interface. By hitting the apply button in the component, the customer will be redirected to the Ready-to-Launch capital app, where they can complete the application process.

To embed the prequalification banner in your interface, paste the code below to the new page.

<unit-elements-capital-prequalification jwt-token="demo.jwt.token"></unit-elements-capital-prequalification>

Note demo.jwt.token is a real value you can use to preview the component without any setup.

Pre filling end-user information

1-2 days

If you have access to end customer information that you can share in order to streamline their onboarding and reduce the friction of submitting an application for capital, we allow you to provide it and we will use it to pre-fill the end customer’s application form. To support that, you will have to expose an API endpoint that Unit will call when seeing an end user (identified by their JWT subject) for the first time.

Unit will make an HTTP request to this endpoint with a JWT token associated with this user in the Authorization header before initiating the end customer application process. The server will need to return the End User Configuration resource. The response must include the data, type: whiteLabelAppEndUserConfig and attributes keys.

Please contact Unit in order to configure the endpoint.

Request example:

curl -X GET 'https://yourdomain.com/unit/application-form-prefill' \
-H "Authorization: Bearer ${JWT Token}"