Adjust disbursement date

curl --request POST \
  --url https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "actualDisbursementDate": "<string>",
  "note": "<string>"
}
'

import requests

url = "https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date"

payload = {
    "actualDisbursementDate": "<string>",
    "note": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({actualDisbursementDate: '<string>', note: '<string>'})
};

fetch('https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'actualDisbursementDate' => '<string>',
    'note' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date"

	payload := strings.NewReader("{\n  \"actualDisbursementDate\": \"<string>\",\n  \"note\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"actualDisbursementDate\": \"<string>\",\n  \"note\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"actualDisbursementDate\": \"<string>\",\n  \"note\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

POST

loans

external

{loan_external_id}

adjust-disbursement-date

Adjust disbursement date

curl --request POST \
  --url https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "actualDisbursementDate": "<string>",
  "note": "<string>"
}
'

import requests

url = "https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date"

payload = {
    "actualDisbursementDate": "<string>",
    "note": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({actualDisbursementDate: '<string>', note: '<string>'})
};

fetch('https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'actualDisbursementDate' => '<string>',
    'note' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date"

	payload := strings.NewReader("{\n  \"actualDisbursementDate\": \"<string>\",\n  \"note\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"actualDisbursementDate\": \"<string>\",\n  \"note\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-staging.bsa.ai/v1/loans/external/{loan_external_id}/adjust-disbursement-date")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"actualDisbursementDate\": \"<string>\",\n  \"note\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

Shifts the effective disbursal date on an Active loan. Use this when the partner’s wallet credit was delayed (e.g. pending → confirmed two days later) and the LMS-recorded disbursement date no longer matches the day the customer actually received the money. Interest re-accrues from the new date, and the repaymentSchedule is recalculated so the next due-date math matches reality.

A loan with recorded repayments is rejected with 409 aborted (adjust_has_repayments). The adjustment reverses and re-books the disbursement, which would cascade-reverse any repayments — so erasing them must be an explicit choice. Have the repayment(s) reversed by the operator team first, then adjust.A loan that already carries a posted overdue penalty is likewise rejected with 409 aborted (adjust_has_penalty): moving the disbursement date would move dueDateTime under a penalty that has already been charged. Waive or reverse the penalty first.

The adjustment also moves the loan’s disbursedAt and dueDateTime: the due instant shifts by whole days to the corrected date at the original time of day, in step with the LMS due date, so the penalty fires relative to when the customer actually had the money.

Date constraints

The new date must not be in the future — pass today or any past day.
The new date must not be before the loan’s approval date. Because POST /v1/loans approves on the same day it disburses, the new date must be on or after the original disbursement date.

For the realistic delayed-wallet flow both constraints are satisfied naturally: the partner calls this endpoint on the day the wallet credit actually confirms, which is between the original approval/disbursement day and today. Two equivalent forms — prefer the externalId form for partner integrations.

Path parameters

string

required

The loan’s externalId. On the /v1/loans/{loan_id}/adjust-disbursement-date form, this is the numeric LMS id instead.

Request body

string

required

ISO-8601 YYYY-MM-DD. The corrected disbursal date.

string

Optional. Reason for the adjustment, captured in the LMS audit log.

Examples

# By loan externalId (recommended)
curl -sf -X POST "$BASE/v1/loans/external/loan-ext-12345/adjust-disbursement-date" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "actualDisbursementDate": "2026-05-30",
    "note": "Wallet credit confirmed 2 days after original disbursement"
  }'

# Same effect, by LMS id
curl -sf -X POST "$BASE/v1/loans/501/adjust-disbursement-date" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"actualDisbursementDate": "2026-05-30"}'

Response

200 OK returns the loan object with the new disbursal date, recomputed schedule, and adjusted next-due fields.

How it works

The wrapper performs undo-disbursal then re-disburse against the LMS with the corrected date. These are two separate LMS commands, so the wrapper makes them atomic from the partner’s point of view: it records the current disbursement date first, and if re-disbursing at the new date fails it automatically rolls the loan back to the original date. Either the adjustment succeeds (loan Active, new schedule), or it fails cleanly with the loan left in its original Active state — the loan is never stranded in Approved. The only exception is the rare case where the re-disbursal and the automatic rollback both fail; the response is then a 500 whose message states the loan is in Approved and names the original date to re-disburse manually.

Errors

Code	When
`not_found`	No loan with that id or externalId (`loan_not_found`)
`failed_precondition`	The loan has no disbursement to adjust (`loan_no_disbursement`), or the LMS refused the date — in the future, or before the loan’s approval date (`domain_rule_violation`)
`aborted`	The loan has recorded repayments (`adjust_has_repayments`) or a posted overdue penalty (`adjust_has_penalty`) — clear those before adjusting the date
`invalid_argument`	`actualDisbursementDate` missing or not ISO `YYYY-MM-DD` (`validation_error`)
`internal`	Re-disbursal failed and automatic rollback also failed — loan is in `Approved` and needs manual re-disbursal (message names the original date)

Getting Started

Concepts

Customers

Loans

Repayments

Loan Products

Credit Scoring

Adjust disbursement date

Date constraints

Path parameters

Request body

Examples

Response

How it works

Errors

​Date constraints

​Path parameters

​Request body

​Examples

​Response

​How it works

​Errors

Date constraints

Path parameters

Request body

Examples

Response

How it works

Errors