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POST
/
guarantees
Create a guarantee
curl --request POST \
  --url https://sandbox-api.anzi.finance/v1/guarantees \
  --header 'Content-Type: application/json' \
  --header 'X-API-KEY: <api-key>' \
  --data '
{
  "borrowerIdType": "CC",
  "borrowerNationalId": "1234567890",
  "disbursementDate": "2025-09-05",
  "externalReference": "CR-000001-XYZ",
  "loanAmount": 50000,
  "paymentTerm": "2025-12-05",
  "premiumPercentage": 3.5,
  "installmentsCount": 12,
  "frequency": 1,
  "principalName": "Empresa XYZ SAS",
  "promissoryNoteId": "PN-0001-XYZ"
}
'
{
  "uid": "d2e3f4a5-b6c7-8d9e-0f1a-2b3c4d5e6f7a",
  "tokenId": 987654321,
  "coverage": 25000,
  "disbursementDate": "2025-09-05T00:00:00.000Z",
  "dueDate": "2026-12-04T23:59:59.999Z",
  "status": 2,
  "premiumStatus": 0,
  "premium": 1750,
  "principalName": "Empresa XYZ SAS",
  "loanPaymentDueDate": "2025-12-05T23:59:59.999Z",
  "loanAmount": 50000,
  "type": 0,
  "premiumPercentage": 3.5,
  "coveragePercentage": 50,
  "externalReference": "CR-000001-XYZ",
  "frequency": 1,
  "installmentsCount": 12,
  "isNovation": false,
  "promissoryNoteId": "PN-0001-XYZ"
}

Authorizations

​
X-API-KEY
string
header
required

Query Parameters

​
license
string
required

License UID

Body

application/json
​
borrowerAddress
string | null
required

Borrower address (optional).

​
borrowerEmail
string<email> | null
required

Borrower email (optional).

​
borrowerIdType
enum<string>
required

National ID document type (LATAM + US).

  • PA: Pasaporte (Passport)
  • CC: Cédula de Ciudadanía (Colombia)
  • CE: Cédula de Extranjería (Colombia, código único)
  • NIT: Número de Identificación Tributaria (Colombia, empresas)
  • RUT: Registro Único Tributario (Colombia, cuando aplique)
  • PPT: Permiso por Protección Temporal (Colombia)
  • CDE: Cédula de Extranjería (Colombia, código legado)
  • DNI_AG: Documento Nacional de Identidad (Argentina)
  • CUIT: Clave Única de Identificación Tributaria (Argentina)
  • CUIL: Clave Única de Identificación Laboral (Argentina)
  • CDI: Clave de Identificación (Argentina)
  • INE: Credencial para votar (México)
  • CURP: Clave Única de Registro de Población (México)
  • RFC: Registro Federal de Contribuyentes (México)
  • SSN: Social Security Number (EE. UU.)
  • ITIN: Individual Taxpayer Identification Number (EE. UU.)
  • EIN: Employer Identification Number (EE. UU., empresas)
  • CI: Cédula de Identidad (Uruguay)
  • RUT_UY: Registro Único Tributario (Uruguay)
  • DNI_PE: Documento Nacional de Identidad (Perú)
  • RUC: Registro Único de Contribuyentes (Perú)
  • PTP: Permiso Temporal de Permanencia (Perú)
  • CPP: Carné de Permiso Temporal de Permanencia (Perú)
Available options:
PA,
CC,
CE,
NIT,
RUT,
PPT,
CDE,
DNI_AG,
CUIT,
CUIL,
CDI,
INE,
CURP,
RFC,
SSN,
ITIN,
EIN,
CI,
RUT_UY,
DNI_PE,
RUC,
PTP,
CPP
​
borrowerNationalId
string
required

Borrower national ID.

​
borrowerPhone
string | null
required

Borrower phone (optional).

​
disbursementDate
string<date>
required

Disbursement date (YYYY-MM-DD). Defaults to current date in license timezone and is validated against allowed windows.

​
externalReference
string
required

Unique credit reference in your system. Must be unique per license.

​
frequency
enum<integer>
required

Installment frequency NONE (0) WEEKLY (1), BIWEEKLY (2), MONTHLY (3). Rule: When a credit is repaid through a single payment instead of installments, the frequency must be set to NONE.

Available options:
0,
1,
2,
3
​
installmentsCount
integer
required

Number of installments for the loan. Rule: when frequency is NONE, send installmentsCount = 1.

Required range: x >= 1
​
loanAmount
number
required

Loan amount. Must be within the license allowed range.

​
paymentTerm
string<date>
required

Loan due date (YYYY-MM-DD). Must be within the license min/max terms.

​
premiumPercentage
number
required

Premium percentage to apply to the loan. For variable-premium licenses defined by the client, it must be within [license.minimumPremium, license.maximumPremium]. For other licenses, send the agreed premium percentage (typically the license.premium)

​
principalName
string
required

Principal/borrower name.

​
promissoryNoteId
string
required

Promissory note identifier. Must be unique per license.

​
borrowerMunicipalityCode
string | null

Municipality code where the borrower is located (optional).

​
gracePeriod
number | null

Days of grace period after due date (optional).

Required range: x >= 0
​
lineOfCredit
string | null

Line of credit identifier (optional).

Response

Guarantee created

Response shape returned right after creating a guarantee

​
uid
string

Unique identifier of the guarantee.

​
tokenId
number

Numeric identifier assigned to the guarantee token.

​
coverage
number

Maximum amount payable if the linked loan defaults. For guarantees created under FIRST LOSS licenses (license.type = FIRST_LOSS), coverage depends exclusively on the amount the user has in their own reserve fund (wallet).

​
disbursementDate
string<date-time>

Date and time when the credit was disbursed.

​
dueDate
string<date-time>

Guarantee due date.

​
status
enum<integer>

0=PENDING_ACTIVATION, 1=VALIDATING_PREMIUM_PAYMENT, 2=COVERING, 3=PENDING_CLAIM, 4=CLAIM_APPROVED, 5=PAYING_GUARANTEE, 6=CLOSED, 7=CLAIM_REJECTED, 8=CANCELLED, 9=NOVATED

Available options:
0,
1,
2,
3,
4,
5,
6,
7,
8,
9
​
creditStatus
enum<integer>

0=CURRENT, 1=DELINQUENT, 2=CLAIM_GUARANTEE, 3=NOVATED, 4=PAID. For new guarantees the initial status is always CURRENT=0.

Available options:
0,
1,
2,
3,
4
​
premiumStatus
enum<integer>

0=PENDING, 1=PROCESSING, 2=PAID

Available options:
0,
1,
2
​
premium
number

Premium amount charged for the guarantee (monetary value).

​
principalName
string

Borrower or principal name associated with the credit.

​
loanPaymentDueDate
string<date-time>

Date and time when the loan payment is/was due.

​
loanAmount
number

Original loan principal amount.

​
type
enum<integer>

0 = SURETY, 1 = FIRST_LOSS

Available options:
0,
1
​
premiumPercentage
number

Percentage applied to the loan amount to compute the premium.

​
coveragePercentage
number

Percentage of the principal amount that is covered by the guarantee. For guarantees created under FIRST LOSS licenses (license.type = FIRST_LOSS), coverage is equal to the loan amount but it depends exclusively on the amount the user has in their own reserve fund (wallet).

​
externalReference
string

Unique credit reference in your system.

​
isNovation
boolean

Indicates if this guarantee results from a novation of a prior guarantee.

​
promissoryNoteId
string

Promissory note identifier.