Lend money inside your product

Build on the platform powering over $1B in annual origination

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post

/ accounts

curl -X POST 'https://api.s.unit.sh/accounts' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "creditAccount", "attributes": { "creditTerms": "credit_terms_1", "creditLimit": 20000, "tags": { "purpose": "business_credit" }, "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8" }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } } } } }'

{ "data": { "type": "creditAccount", "id": "42", "attributes": { "createdAt": "2000-05-11T10:19:30.409Z", "name": "Peter Parker", "status": "Open", "creditTerms": "credit_terms_1", "currency": "USD", "balance": 10000, "hold": 0, "reserve": 0, "available": 10000, "tags": { "purpose": "some_purpose" }, "creditLimit": 20000 }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } }, "org": { "data": { "type": "org", "id": "1" } } } } }

Build with native credit accounts

Credit accounts manage their own balance and limit. They calculate available credit from the limit, balance, and pending holds, so you don’t build a credit ledger yourself.

Track principal, interest, and fees on the account

Define the billing cycle, repayment terms, fees, and spending limits each account runs on

Read balance, holds, and available credit in real time

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get

/ accounts

curl -X GET 'https://api.s.unit.sh/accounts?page[limit]=20&page[offset]=10&filter[type]=credit' -H "Authorization: Bearer ${TOKEN}"

{ "data": { "type": "creditAccount", "id": "42", "attributes": { "createdAt": "2000-05-11T10:19:30.409Z", "name": "Peter Parker", "status": "Open", "creditTerms": "credit_terms_1", "currency": "USD", "balance": 10000, "hold": 0, "reserve": 0, "available": 10000, "creditLimit": 200000 }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } } } } }

Read repayment obligations in real time

Expose exactly what a customer owes and when it is due.

Retrieve remaining amount due and amount overdue

See repayments already initiated against the balance

Read statement periods and the next repayment due date

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post

/ repayments

curl -X POST 'https://api.s.unit.sh/repayments' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "achRepayment", "attributes": { "amount": 200, "description": "Monthly repayment" }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "10076" } }, "creditAccount": { "data": { "type": "creditAccount", "id": "10082" } }, "counterparty": { "data": { "type": "counterparty", "id": "3" } } } } }'

{ "data": { "type": "bookRepayment", "id": "4", "attributes": { "createdAt": "2022-09-19T09:10:09.206Z", "updatedAt": "2022-09-19T09:10:09.206Z", "amount": 20, "status": "Sent" }, "relationships": { "counterparty": { "data": { "type": "account", "id": "10008" } }, "account": { "data": { "type": "account", "id": "10006" } }, "creditAccount": { "data": { "type": "creditAccount", "id": "10007" } }, "customer": { "data": { "type": "customer", "id": "10002" } }, "org": { "data": { "type": "org", "id": "2" } }, "payment": { "data": { "type": "payment", "id": "5" } } } } }

Initiate a repayment against a drawn balance

Collect repayments and update the credit ledger simultaneously.

Collect repayments through ACH or internal book transfer

Create one-time or recurring repayment flows

Track repayment status and automatically reflect returns on the credit ledger

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Native ledger

Tracks principal, interest, fees, and available credit on every account in real time

Apply terms programmatically

Programmatically define billing cycles, APR, minimum due, limits, and fees

Card products

Attach a card, physical or virtual, so your customers can spend against the credit you extend

Repayments

Initiate one-time or autopay repayments against any credit account balance via ACH, wire, RTP, or check

Statement generation

Generate statements each billing cycle with due date and minimum due, in HTML or PDF

Configure terms

Set a fixed or prime-based APR, with grace periods and daily compounding

UI components

Optional brandable components for accounts, cards, and repayment flows, including autopay

Risk controls

Freeze a credit account and every card on it freezes too

Offer flexible credit inside your product

Give customers access to credit through cards or directly from a credit account. Configure the product around how they need to borrow, spend, and repay.

Support charge cards and revolving credit

Set APR, minimum due, and billing cycles per plan

Track balances and available credit in real time

Give customers faster access to working capital

Help customers access money they’ve already earned or expect to receive. Advance funds against receivables or processed payments so they don’t have to wait for the underlying payment cycle.

Factor eligible invoices and receivables

Advance processed funds before settlement

Collect repayments automatically with autopay