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Introduction

Welcome to the Sales Finance Order API documentation. Here, you'll find everything you need to smoothly integrate our financial services and offer a loan application process directly within your platform

Why Use the Integration API?​

Our Sales Finance Order API provides a seamless way for you to integrate our loan application process directly into your existing systems. This allows you to effortlessly create and manage new loan applications and receive real-time updates as the application status changes, all without needing to use our separate web interface.

Currently only Sweden is supported in the API.

Participating Parties​

The application process involves three key participants:

  • The Client or Merchant: You, the merchant, initiate and manage the application process via the API.
  • The Applicant: The applicant is the end customer. They are invited to apply, provide their information, and electronically sign the contract. If a co-applicant is needed, the main applicant will be prompted to invite them.
  • Svea's Credit Officers: Our internal credit team assesses applications. They may request additional documents or a co-applicant before making a final decision.

Terminology in the API​

Application
An application is the overall process for a customer to be granted financing for a purchase. While often referred to as a "loan," an application can be an invoice, partial payment, or other form of credit.

Campaign
A campaign defines the specific terms for an application, such as financing options (e.g., invoice or partial payment), interest rates, and fees. Every application must be tied to a campaign. Although not directly visible in the API response, campaigns are limited to a minimum and maximum amount.

Applicant
Also known as the user, customer, or consumer, this is the individual who is applying for the loan or making a purchase. This can refer to either the primary applicant or a co-applicant.

Client
This is another term for a merchant or store, most often a web shop. This is the entity that integrates with the loan provider to offer payment options.

Integrator
The party that manages API integrations, often on behalf of multiple merchants. While an integrator is conceptually a parent to a merchant, a single merchant may handle its own integration, making the relationship one-to-one.

Order
This is the alias for an Application or Loan application within the API. The Order object contains all the details related to an ongoing application.

Capture
This is the process of confirming that goods or services have been delivered to and received by the customer. It is a delivery approval process that involves both the merchant and the loan provider.