{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/payments_mexico/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["admonition","tabs","tab"]},"type":"markdown"},"seo":{"title":"Register and Track Loan Portfolios","description":"Belvo provides open finance products for Latin America that allow you to securely access and aggregate financial data as well as accept and issue bank-to-bank payments","siteUrl":"https://developers.belvo.com/","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"register-and-track-loan-portfolios","__idx":0},"children":["Register and Track Loan Portfolios"]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"warning","name":"Feature availability"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The Loans API is only available to merchants with the ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Managed Collections"]}," feature enabled on their account. If you receive a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["403 Forbidden"]}," response, contact your Belvo account manager to have Managed Collections enabled."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Belvo's Loans API lets you register loan portfolio snapshots for direct debit customers. Each snapshot is both a record of your loan's current state ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["and"]}," a collection instruction — as soon as you POST a snapshot, Belvo automatically attempts a direct debit collection for that customer on the same day (or the next business day), according to your Managed Collections arrangement."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The general flow is:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["POST a loan snapshot"]}," — provide the current state of the loan, including the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["defaultDate"]}," (the date the loan became overdue)."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Belvo collects immediately"]}," — no further action required from you. Belvo triggers the direct debit on the same day as your request (or the next business day)."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Receive a webhook"]}," — Belvo notifies you of the collection outcome."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["POST a new snapshot"]}," — each time you want Belvo to attempt another collection, send a new snapshot."]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"sequenceDiagram\n participant App as Your Application\n participant Belvo as Belvo\n\n Note over App,Belvo: 1. Register a loan snapshot (first time for a customer)\n App->>Belvo: POST /loans\n Note over Belvo: Creates loan + first snapshot internally\n Belvo-->>App: 201 Created + snapshotId\n\n Note over App,Belvo: 2. Register a subsequent snapshot\n App->>Belvo: POST /loans\n Note over Belvo: Adds snapshot to existing loan\n Belvo-->>App: 201 Created + snapshotId\n\n Note over App,Belvo: 3. Belvo auto-collects (same day or next business day)\n Note over Belvo: Belvo triggers direct debit collection\n Belvo-->>App: WEBHOOK collection outcome\n\n Note over App,Belvo: 4. Review loan history\n App->>Belvo: GET /loans?merchant_customer_id=CUST001234\n Belvo-->>App: 200 OK + list of snapshots\n","diagramHtml":"BelvoYour ApplicationBelvoYour Application1. Register a loan snapshot (first time for a customer)Creates loan + first snapshot internally2. Register a subsequent snapshotAdds snapshot to existing loan3. Belvo auto-collects (same day or next business day)Belvo triggers direct debit collection4. 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Register a loan snapshot (first time for a customer)\n App->>Belvo: POST /loans\n Note over Belvo: Creates loan + first snapshot internally\n Belvo-->>App: 201 Created + snapshotId\n\n Note over App,Belvo: 2. Register a subsequent snapshot\n App->>Belvo: POST /loans\n Note over Belvo: Adds snapshot to existing loan\n Belvo-->>App: 201 Created + snapshotId\n\n Note over App,Belvo: 3. Belvo auto-collects (same day or next business day)\n Note over Belvo: Belvo triggers direct debit collection\n Belvo-->>App: WEBHOOK collection outcome\n\n Note over App,Belvo: 4. 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