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GET
/
api
/
credits
curl --request GET \
  --url 'https://api.ambiotec.com/api/credits?status=pending&limit=50&offset=0' \
  --header 'Authorization: Bearer YOUR_TOKEN'

{
  "success": true,
  "data": [
    {
      "id": 123,
      "customerId": 456,
      "customerName": "Juan Pérez",
      "businessName": "Comercial Pérez S.A.",
      "nit": "12345678-9",
      "fiscalAddress": "5a Avenida 10-20 Zona 1, Guatemala",
      "businessAddress": "Centro Comercial Plaza, Local 15",
      "officePhone": "+502 2345-6789",
      "legalRepresentative": "Juan Pérez García",
      "dpi": "2345678901234",
      "status": "pending",
      "authorizedAmount": null,
      "authorizedTermDays": null,
      "rejectionReason": null,
      "commercialReferences": [
        {
          "name": "Proveedor ABC",
          "phone": "+502 2222-3333",
          "contact": "María López"
        }
      ],
      "bankReferences": [
        {
          "bank": "Banco Industrial",
          "accountType": "Corriente",
          "accountNumber": "****1234"
        }
      ],
      "financialStatementUrl": "https://s3.amazonaws.com/ambiotec-credits/financial-statements/123-statement.pdf",
      "bankStatementUrl": "https://s3.amazonaws.com/ambiotec-credits/bank-statements/123-bank.pdf",
      "utilityBillsUrl": "https://s3.amazonaws.com/ambiotec-credits/utility-bills/123-utilities.pdf",
      "createdAt": "2026-03-01T10:30:00Z",
      "updatedAt": "2026-03-01T10:30:00Z"
    }
  ],
  "count": 1
}
Fetches credit applications from the system with support for status filtering and pagination.

​
Query Parameters

​
status
string
Filter by application statusPossible values:
  • pending: Applications awaiting review
  • approved: Approved applications
  • rejected: Rejected applications
​
limit
integer
default:"100"
Maximum number of records to return (max: 100)
​
offset
integer
default:"0"
Number of records to skip for pagination

​
Response

​
success
boolean
Indicates if the request was successful
​
data
array
Array of credit application objects
​
count
integer
Number of applications returned in this response
curl --request GET \
  --url 'https://api.ambiotec.com/api/credits?status=pending&limit=50&offset=0' \
  --header 'Authorization: Bearer YOUR_TOKEN'

{
  "success": true,
  "data": [
    {
      "id": 123,
      "customerId": 456,
      "customerName": "Juan Pérez",
      "businessName": "Comercial Pérez S.A.",
      "nit": "12345678-9",
      "fiscalAddress": "5a Avenida 10-20 Zona 1, Guatemala",
      "businessAddress": "Centro Comercial Plaza, Local 15",
      "officePhone": "+502 2345-6789",
      "legalRepresentative": "Juan Pérez García",
      "dpi": "2345678901234",
      "status": "pending",
      "authorizedAmount": null,
      "authorizedTermDays": null,
      "rejectionReason": null,
      "commercialReferences": [
        {
          "name": "Proveedor ABC",
          "phone": "+502 2222-3333",
          "contact": "María López"
        }
      ],
      "bankReferences": [
        {
          "bank": "Banco Industrial",
          "accountType": "Corriente",
          "accountNumber": "****1234"
        }
      ],
      "financialStatementUrl": "https://s3.amazonaws.com/ambiotec-credits/financial-statements/123-statement.pdf",
      "bankStatementUrl": "https://s3.amazonaws.com/ambiotec-credits/bank-statements/123-bank.pdf",
      "utilityBillsUrl": "https://s3.amazonaws.com/ambiotec-credits/utility-bills/123-utilities.pdf",
      "createdAt": "2026-03-01T10:30:00Z",
      "updatedAt": "2026-03-01T10:30:00Z"
    }
  ],
  "count": 1
}

​
Business Logic

​
Credit Application Workflow

Credit applications follow this lifecycle:
  1. Pending: Initial state when application is submitted
    • All required documents uploaded
    • References provided
    • Awaiting credit committee review
  2. Approved: Credit committee approves the application
    • authorizedAmount set (may differ from requested amount)
    • authorizedTermDays defines payment terms
    • Customer can now make purchases on credit
  3. Rejected: Application denied
    • rejectionReason explains why
    • Customer must address issues before reapplying

​
Pagination

For large datasets:
  • Use limit to control page size
  • Use offset to skip to specific pages
  • Example: Page 2 with 50 items per page = limit=50&offset=50

​
Document Storage

All uploaded documents are stored in S3:
  • Financial Statements: credits/financial-statements/
  • Bank Statements: credits/bank-statements/
  • Utility Bills: credits/utility-bills/
  • URLs are presigned for secure access
  • Documents must be PDF, JPEG, or PNG (max 10MB)

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