Personal loans are an affordable and flexible financial solution designed to meet a variety of individual needs without requiring them to justify the use of the loan. To minimize the risk of default, different types of collateral can be offered, providing security for both the borrower and the financial institution. Among the available options, collateral includes investments, card receivables, service contracts, company shares, vehicles, and real estate. This case study explores the various types of personal loans, illustrating how each modality can be used to meet different profiles and financial needs. Below is the step-by-step guide for using this use case:
Before using this service, you must configure authentication. See the authentication instructions for detailed instructions.

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1 - Simulations

The first step for contracting credit in the Working Capital modality is the simulation. The simulation can be performed in two ways:
In both simulations, the nroDiasAcrescimo field defines how many days will be added or subtracted from the default due date of the first installment. By default, the due date occurs on the same day as the simulation, but in the following month. For example: if the simulation is on 27/05, the default due date will be 27/06. If you fill in “20”, the due date will be 20 days after that default date (e.g.: 17/07). If the simulation is done on the 30th or 31st and the following month does not have those dates, the due date will be adjusted to the last day of the month (for example, a simulation on 31/01 will have a due date on 28/02).

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2 - Onboarding

After simulation, it is necessary to register the customer’s data and address. This step is called onboarding. Onboarding is carried out in two stages:

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3 - Uploading a Customer Document

After entering the customer’s Federal Tax ID number, you must upload the document. The document is sent as a Base94-encoded file and can be in JPG, PDF, PNG, or other formats.

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4 - Hiring

After the simulation, onboarding, and uploading of the client’s documents, it is necessary to submit a request for credit. We call this step Inserting a Proposal. To use a contract with a Payment Split split, add the object below to the previous request within the dto array:

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5 - Guarantees

To apply for Home Equity credit, you must add a client’s property as collateral. Use this endpoint to include property information and register the collateral.

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6 - Collecting Signatures

After entering the property details and registering the guarantee, you must collect signatures from all parties involved in the proposal. To learn more about signature models, access the [Signatures] document (https://bmpmoneyplus-sandbox.mintlify.app/caas/assinaturas). Signatures can be completed in three ways:

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7 - Proposal release

This is the final step in the credit hiring process for Working Capital. The partner can release the proposal to the payment queue after receiving the “finalized” proposal status, with the disbursement process being the responsibility of BMP. In this step, it is necessary to release the proposal through integration with our Proposal Release URL for payment to validate the model after signing. To release the proposal, it is necessary to inform:
  • Proposal code;
  • Operation code;
  • Proposal parameters (if necessary).
For more information about this endpoint, see the reference document 43 - Proposal Release.

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Endpoints e documentos auxiliares

For this journey, it is very important that the partner knows the Technical Procedure for CaaS Callback. The following endpoints may also be useful: