Using the Submit Financing API

Submitting Financing Applications

This guide explains how to submit financing applications on behalf of your customers through the Tento Partner API.

Overview

The Submit Financing Application endpoint allows you to programmatically send financing requests to Tento. This is ideal for partners who want to offer financing options directly within their own platforms without redirecting users to Tento's website.

When to Use This Endpoint

Use this endpoint when:

• A customer in your platform expresses interest in financing
• You want to pre-populate application data you already have on file
• You're building a white-labeled financing experience
• You need to submit applications in bulk or via automation

How It Works

1. You submit the application — Send customer and business details to Tento via the API
2. Tento creates the opportunity — The application enters Tento's review pipeline
3. You receive tracking IDs — Use the returned accountId and opportunityId to reference this application
4. Tento processes the request — Our team reviews the application and works with the customer directly on next steps

What Information to Include

At minimum, you need the applicant's name and email. However, the more information you provide upfront, the faster the application can be processed:

• Contact info — Name, email, phone, role at company
• Business details — Legal name, entity type, EIN, industry, revenue
• Financing request — Amount needed, desired terms, purpose of funds

Tip: If you're submitting on behalf of a customer, use the subscriber_id field to store your internal reference ID. This makes it easier to correlate Tento records with your own system.

Tracking Applications

After a successful submission, you'll receive:

Use these IDs to check application status (requires Check Loan Application Status permission on your API token).

Best Practices

• Validate email addresses — Invalid emails will cause issues with customer communication
• Include business details — Applications with complete business info are processed faster
• Use metadata for tracking — Pass campaign IDs or referral sources to track conversion performance
• Store the response — Save the opportunityId so you can check status later

Next Steps

Once an application is submitted, Tento handles the rest — verifying information, requesting supporting documents from the customer, and processing the financing request. Partners can optionally check application status via the API or monitor updates through the Volt dashboard.