Application Workflow

This document outlines the core workflow for a financing application using our API.

The goal of this integration is to achieve the Completed application state, signaled by the Completed event. This signifies that the application has been fulfilled and that Svea's payout to the Merchant has been scheduled.

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The Sequence Diagram

The diagram below maps the API calls and event notifications (messages) between the Applicant, Merchant, and Svea throughout the application lifecycle. It is the primary reference for implementation.

Reading the sequence diagram

Element	Meaning
alt (Alternative)	Represents a mandatory choice between two or more different execution paths. One of the options must be followed. (e.g., Direct approval OR Direct rejection OR Requires manual review)
opt (Optional)	Represents a path that may or may not be executed. The main flow continues regardless. (e.g., An amount update may happen, or it may be skipped).
break	Represents an exit condition. The sequence stops processing the current flow and terminates when the break condition is met. (e.g., Application Cancelled means the workflow ends here).

Color/Shading	Symbolizes
Red-toned boxes	Highlights termination or exit events (e.g., Rejected or Cancelled). These are points where the primary successful workflow ends.

Financing Application Lifecycle (State Diagram)

While the Sequence Diagram shows the actors and API calls, the following State Diagram is useful for visualizing the overall valid lifecycle and primary state changes of an application object. This view is simplified to illustrate the core flow and therefore omits some less common termination paths.

Note: For the strict rules on which API methods are allowed in each status (e.g., when you can Update Amount, Cancel Order, or Capture Order), please refer to the tables on the API Methods page.

Reading the state diagram

Element	Meaning
A Box	Represents the application's status, captured by the Status property on the Order object.
A Line	Shows the action or decision that leads to the next status.
-> eventName (on a line)	Indicates that an event notification (e.g., -> event Initiated) is sent at the moment this status transition occurs.
Red-toned Boxes and Lines	Highlights termination states (such as Rejected or Cancelled states, which are colored orange) and transitions (red lines) that lead to the termination of the primary successful workflow.

List of Events

These events represent the specific messages or notifications sent by Svea to your system throughout the application lifecycle. They are the key triggers for your required actions, such as calling Capture order.

Event	Description
Initiated	Sent when a merchant creates an application via CreateOrder.
Approved	Sent when an application has been approved.
ApprovedAmountUpdated	Sent when the approved amount is lower than the requested amount. An Approved callback will follow this event. You must either update the order amount to the new ApprovedAmount or cancel the order.
Rejected	Sent when an application has been rejected.
UnderReview	Sent when Svea will review the application and request additional information from the applicant. A review will always result in either an Approved or Rejected status eventually.
ReadyForCapture	Sent when the applicant has signed the application contract, signaling that the goods or services can be delivered.
Captured	Sent when Svea has confirmed the merchant's capture request.
CaptureReverted	Contact Svea. This indicates that Svea has investigated and reverted the capture since the delivery could not be confirmed. Do not proceed with any additional actions on this order unless you have confirmed that the delivery has taken place, at which point you can attempt to Capture again.
Completed	Sent when the payout to the Merchant has been scheduled. This means the application has been approved, signed, and captured.
Cancelled	Sent when Merchant or Svea cancels the order.

List of Statuses

The statuses below represent the current, persistent state of the financing application. This is the value captured by the Status property on the order object.

Status	Description
Created	Order created and invitation link sent to the applicant.
Initiated	The applicant has accepted the invitation, and the application has been created. The system is awaiting an initial decision.
UnderReview	The application is being manually reviewed and is pending a final decision. A review will always result in the application being either Approved or Rejected.
Approved	The application has been approved.
Rejected	The application has been denied.
ReadyForCapture	The applicant has signed the application, and it is ready to be captured by the merchant.
CaptureRequested	The merchant has requested a capture, and the system is awaiting confirmation from Svea.
Captured	Svea has confirmed the capture.
Completed	The application has successfully reached the end of its lifecycle.
Cancelled	The application has been cancelled.