Eligibility check

The eligibility check endpoint tells you whether a business is eligible to apply for a loan with iwoca, before you create an application. You send the business's Companies House number, and we let you know whether the company is eligible to apply.

How it works

1. 1
   Check the business

   Copy

   POST /eligibility_check/

   You'll need:

   • The business's Companies House number
   • Optionally, its SIC code
   • Optionally, its MCC code
   • Optionally, your own reference, such as a tier, or other non-PII data

   Response: You'll receive is_eligible and an eligibility_check_id for your records.

2. 2
   If it's eligible, send it to iwoca

   Eligible means the business can apply, not that it's approved for a loan. Create the customer and their application as usual, using API Lite or API Plus.

3. 3
   If it's not eligible, don't send it

   iwoca can't help this business right now, so sending it would give your customer a poor experience.

Run a new check before each submission, as a business's eligibility can change.

Test in the sandbox

Three Companies House numbers return deterministic verdicts on the sandbox:

Next steps