Lend money inside your product

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

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" } } } } }

Open a credit account with the ledger built in

Configure how each customer can access, use, and repay credit. The account keeps the books and applies its own terms.

Set the approved credit limit at account creation

Track principal, interest, and fees on the account

Associate the account with predefined credit terms

Read balance, holds, and available credit in real time

View docs

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

View docs

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 together.

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

View docs

Native ledger

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

Apply terms programatically

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 interest and APR

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.

Account 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