Add loan documents

Use this call to:

• Post loan documents
• Add loan documents upon Cross River request

POST /Loan/{loanId}/Attachments

To support the loan approval process, send Arix a complete document package as one zip file. The package must include a signed loan agreement, a credit report, and other required documents as per your credit and underwriting policy, and your AML/BSA processes. To view the list of acceptable attachments, see Supporting loan documents.

📘

Important

The status of a loan remains Received until all the required documents are received by Arix. No webhook is sent to report that docs are incomplete.

To add attachments:

1. Zip all the relevant documents.
2. Name the file with the {Arix GUID}.zip
3. POST the documents.

Click here for information on the funding flow.

Naming convention

The naming convention requires that the end of a file name (before the file extension), ends with a dash (-) followed by a document-type code. Click here for the codes.

Example
- Loan agreement {JoesCreditReport}-LA.pdf
- Social Security card {JoesCreditReport}-SC.pdf

Notes for the zip files

• You can send multiple zip files
• Attachment size is set at 120 MB
• Files within the zip folder have to follow a naming convention (as shown above)

Sample request and response - POST /Loan/{Id}/Attachments

Required parameters

• For multiple types of any single document listed above, add the numerical value to the name.
  Example: For multiple paystubs (PS): 179317-PS1 and 179317-PS2

• You can submit an additional 99 files as needed for underwriting, by following the convention, F1 - F99.

• If you want to submit an --F3 file, notify CRB ahead of time so we can identify F3 as a security video.
  Example: MyRandomFile-F3.mov

Returned attributes

This table displays information on the documents received for the loan.

FAQs

Loan stuck in the status Received

A loan stays in Received for these reasons:

• The file wasn't named correctly based on regex verification
• Some or all required documents weren't received
• There was a problem unzipping the files. If a file is corrupt, Arix won't be able to unzip it. Fix it and resend a POST with the attachments.

Confirming document status

To confirm the document status for a loan, call GET LoanDetail and use these collections:

• RequiredDocs - to see which documents are required for a loan and if they were received.
• Attachments - to see which documents were received by Arix

Adding loan documents

You can add documents if a loan is in one of the statuses below. If a document is sent after the loan is funded, Arix will store it, but it won't parse it or run it through compliance.