Payload

{
  "event": "new_offer",
  "event_id": "evt-c3d4e5f6-7890-12cd-efgh-3456789012cd",
  "application_id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "timestamp": "2026-02-12T14:00:00.000Z",
  "external_reference": "YOUR-REF-001",
  "details": {
    "offers": [
        {
          "offer_id": "OFF-2026-001",
          "amount_advanced": 15000.00,
          "type": "new",
          "repayment_amount": 19500.00,
          "factor_rate": 1.30,
          "holdback_percentage": 15.0
        }
      ]
  }
}

Fields

Field	Type	Required	Description
`event`	string	Yes	Always `"new_offer"`
`event_id`	string	Yes	Unique identifier for this event
`application_id`	string (UUID)	Yes	The unique application identifier
`timestamp`	string (ISO 8601)	Yes	When the event occurred
`external_reference`	string	Yes	Your external reference ID for the application
`details`	object	Yes	Contains the offer details

Offer Object (`message.details.offers[]`)

Field	Type	Description
`offer_id`	string	Unique identifier for the offer
`amount_advanced`	number	The amount offered to the customer (GBP)
`type`	string	Type of offer: `"new"` or `"renewal"`
`repayment_amount`	number	Total amount to be repaid (GBP)
`factor_rate`	number	Factor rate applied to the advance
`holdback_percentage`	number	Holdback percentage applied to card transactions

What This Means

A funding offer has been approved and generated for the applicant. At this stage:

One offer is provided per application
The offer includes the advance amount, repayment terms, and factor rate
The offer type indicates whether this is a new advance or a renewal of an existing one
The applicant will need to review and accept the offer before proceeding to agreements