Issuance of Corporate debt

With the debt issuance API, it is possible to request the issuance of a debt for a legal entity. It is not necessary to pre-register the borrower; simply provide the registration details at the time of the debt request.

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The debt API is designed to be executed in just one request, after a prior upload of files (document upload). The header and body signature format for this request is described in detail here.

Request

ENDPOINT

/debt

METHOD

POST

Request Body

{
    "borrower": {
        "name": "RAZAO SOCIAL EMPRESA",
        "email": "emailempresa@email.com",
        "phone": {
            "number": "991112222",
            "area_code": "11",
            "country_code": "055"
        },
        "address": {
            "city": "São Paulo",
            "state": "SP",
            "number": "215",
            "street": "Rua Gilberto Sabino",
            "complement": "3 andar",
            "postal_code": "05425020",
            "neighborhood": "Pinheiros"
        },
        "cnae_code": "6822-6/00",
        "role_type": "issuer",
        "person_type": "legal",
        "company_type": "ltda",
        "trading_name": "NOME FANTASIA DA EMPRESA",
        "foundation_date": "2019-07-05",
        "attached_documents_list": [],
        "company_document_number": "80282008000127",
        "company_statute": "aa28e598-55e2-40f1-8884-671772c541a1",
        "company_representatives": [
            {
                "name": "NOME DO REPRESENTANTE",
                "email": "nomedorepresentante@email.com",
                "phone": {
                    "number": "990121234",
                    "area_code": "11",
                    "country_code": "055"
                },
                "is_pep": false,
                "spouse": {
                    "name": "NOME CONJUGE REPRESENTANTE",
                    "email": "conjugerepresentante@email.com",
                    "phone": {
                        "number": "988881234",
                        "area_code": "11",
                        "country_code": "055"
                    },
                    "birth_date": "1994-12-04",
                    "person_type": "natural",
                    "is_pep": false,
                    "mother_name": "NOME DA MAE DO CONJUGE DO REPRESENTANTE",
                    "individual_document_number": "26571990032",
                    "document_identification_number": "10101010100",
                    "address": {
                        "city": "São Paulo",
                        "state": "SP",
                        "number": "215",
                        "street": "Rua Gilberto Sabino",
                        "complement": "3 andar",
                        "postal_code": "05425020",
                        "neighborhood": "Pinheiros"
                    }
                },
                "address": {
                    "city": "São Paulo",
                    "state": "SP",
                    "number": "215",
                    "street": "Rua Gilberto Sabino",
                    "complement": "3 andar",
                    "postal_code": "05425020",
                    "neighborhood": "Pinheiros"
                },
                "role_type": "company_representative",
                "birth_date": "1993-09-10",
                "profession": "DIRETOR",
                "mother_name": "NOME DA MAE DO REPRESENTANTE",
                "nationality": "BRASILEIRO",
                "person_type": "natural",
                "marital_status": "married",
                "property_system": "partial_communion_of_goods",
                "attached_documents_list": [],
                "individual_document_number": "31057466093",
                "document_identification_number": "20202020200"
            }
        ]
    },
    "financial": {
        "disbursed_amount": 10000,
        "interest_type": "pre_price_days",
        "credit_operation_type": "ccb",
        "monthly_interest_rate": 0.03,
        "disbursement_date": "2023-05-04",
        "first_due_date": "2023-06-03",
        "interest_grace_period": 0,
        "principal_grace_period": 0,
        "number_of_installments": 1,
        "fine_configuration": {
            "contract_fine_rate": 0.02,
            "interest_base": "calendar_days",
            "monthly_rate": 0.01
        }
    },
    "disbursement_bank_account": {
        "name": "RAZAO SOCIAL EMPRESA",
        "document_number": "80282008000127",
        "bank_code": "341",
        "branch_number": "8615",
        "account_number": "22110",
        "account_digit": "2",
        "account_type": "checking_account"
    },
    "purchaser_document_number": "32402502000135"
}

Response

The response to this debt request will return the payment plan as well as a DEBT-KEY, which is the debt identifier in QI SCD.

STATUS

200

Response Body

{
  "data": {
    "additional_iof": 38.57988,
    "annual_cet": "71,3492%",
    "assignment_amount": 10254.13,
    "base_iof": 12.487704111671501,
    "borrower": {
      "document_number": "80282008000127",
      "name": "RAZAO SOCIAL EMPRESA",
      "related_party_key": "7620181e-f46a-45c1-a4ea-60439b9662ad"
    },
    "cet": "4,5900%",
    "collaterals": [],
    "contract": {
      "number": "0000069971/RSE",
      "signature_information": [
        {
          "signature_url": null,
          "signer_document_number": "31057466093",
          "signer_email": "nomedorepresentante@email.com",
          "signer_external_key": null,
          "signer_name": "NOME DO REPRESENTANTE",
          "signer_role": "issuer"
        }
      ],
      "urls": [
        "https://storage.googleapis.com/sandbox-doc-api/documents/df3e4530-3deb-4ba8-ad4e-c28ebeffb831/20230504122831.pdf"
      ]
    },
    "contract_fee_amount": 101.53,
    "contract_fees": [
      {
        "fee_amount": 101.53,
        "fee_type": "tac"
      }
    ],
    "external_contract_fee_amount": 101.53,
    "external_contract_fees": [
      {
        "fee_amount": 101.53,
        "fee_type": "spread",
        "net_fee_amount": 92.14,
        "tax_amount": 9.39
      },
      {
        "fee_amount": 0,
        "fee_type": "tac",
        "net_fee_amount": 0,
        "tax_amount": 0
      }
    ],
    "installments": [
      {
        "accrual_reference_date": null,
        "additional_costs": [],
        "advanced_paid_amount": 0,
        "bank_slip_key": null,
        "business_due_date": "2023-06-05",
        "calendar_days": 30,
        "digitable_line": null,
        "due_date": "2023-06-03",
        "due_interest": 0,
        "due_principal": 10152.6,
        "fine_amount": null,
        "has_interest": true,
        "installment_history": [],
        "installment_key": "0eb42a83-557a-437a-9819-099b5364cde9",
        "installment_number": 1,
        "installment_payment": [],
        "installment_status": "created",
        "installment_type": "principal",
        "original_due_principal": 10152.6,
        "original_pre_fixed_amount": 300.3450311613816,
        "original_principal_amortization_amount": 10152.60496883862,
        "original_total_amount": 10452.95,
        "paid_amount": 0,
        "paid_at": null,
        "post_fixed_amount": 0,
        "pre_fixed_amount": 300.3450311613816,
        "principal_amortization_amount": 10152.60496883862,
        "qr_code_key": null,
        "qr_code_url": null,
        "renegotiation_proposal_key": null,
        "tax_amount": 12.487704111671501,
        "total_accrual_amount": null,
        "total_amount": 10452.95,
        "total_paid_amount": 0,
        "workdays": 21
      }
    ],
    "iof_charge_method": "financed",
    "issue_amount": 10152.6,
    "net_external_contract_fee_amount": 92.14,
    "number_of_installments": 1,
    "prefixed_interest_rate": {
      "annual_rate": 0.42576089,
      "created_at": "2023-05-04T12:28:30",
      "daily_rate": 0.00097227,
      "interest_base": "calendar_days_365",
      "monthly_rate": 0.03
    },
    "requester_identifier_key": "feceb7fe-1305-45eb-899d-c87d36bcc534",
    "total_iof": 51.07,
    "total_pre_fixed_amount": 300.3450311613816
  },
  "event_datetime": "2023-05-04 12:28:35",
  "key": "feceb7fe-1305-45eb-899d-c87d36bcc534",
  "status": "waiting_signature",
  "webhook_type": "debt"
}

Object Request Body

Field	Type	Description	Max. Caract.
borrower *	object	Object Borrower - Credit operation borrower	-
guarantor	object	Object Guarantor - Credit operation guarantors	-
disbursement_bank_account *	object	Object Disbursement Bank Account - Bank account details for the operation disbursement	-
financial *	object	Object Financial - Bank account details for the operation disbursement. Identifier indicating that the sent object is an individual. It must ALWAYS contain the value "natural" for individual borrowers	-
purchaser_document_number *	string	CNPJ do cessionário (comprador) da operação de crédito	-

Object Borrower

Field	Type	Description	Max. Caract.
name *	string	Company's corporate name	100
trading_name *	string	Nome fantasia
email *	string	Company's institutional email	254
phone *	object	Object Phone - Company's phone number	-
is_pep *	boolean	PEP indicator (http://www.portaldatransparencia.gov.br/download-de-dados/pep)	-
address *	object	Object Address - Borrower's address

| - | | role_type * | enum | default: issuer | - | | person_type * | string | Legal entity indicator - default: legal | - | | company_document_number * | string | CNPJ (numbers only) | - | | cnae_code * | string | National Classification of Economic Activities | | | company_representatives * | array of objects | List of the company's legal representatives | Object Company Representatives | | company_type * | enum | Company type: "ltda", "sa", "micro_enterprise" ou "freelancer"| - | | company_statute * | string | document_key of the company's articles of association PDF | | | directors_election_minute | string | document_key of the company's election minutes PDF (mandatory only for companies with company_type "sa") | | | foundation_date * | date | Company opening date (format "YYYY-MM-DD") | |

As shown above, both the "borrower" field and the "guarantors" fields can be populated by either a PF Object or a PJ Object. The PJ Object represents a legal entity in QI Tech.

Object Company Representatives

Filed	Description	Exampe	Máx. Caract.
person_type *	string	Identifier indicating that the sent object is an individual or a legal entity.	natural
name *	string	Corporate name for corporate operations or person's name for person operations. Limited to 100 characters.
mother_name *	string	Mother's name of the client in case of person. Limited to 100 characters.
birth_date *	string	Date of birth of the person (format "YYYY-MM-DD")	-
profession *	string	Client's profession. Limited to 64 characters.	64
nationality *	string	Client's nationality.	50
marital_status *	string	Client's marital status.l do cliente.
property_system *	string	Property separation regime (mandatory only for individuals with marital_status "married")..	Enumeradores property_system
wedding_certificate *	string	DOCUMENT_KEY of the marriage certificate PDF (previously sent). If marital_status is "single," the value of this field must be NULL..
spouse *	string	Object Spouse (Mandatory only when "compulsory_separation_of_goods" is "total_communion_of_goods," "partial_communion_of_goods," "final_participation_of_acquisitions," or "compulsory_separation_of_goods." If marital_status is "single," the value of this field must be NULL.	Object Spouse
is_pep *	boolean	Declaration if the person is PEP (http://www.portaldatransparencia.gov.br/download-de-dados/pep).	true/false
individual_document_number *	string	Person's CPF (numbers only).	10
document_identification *	string	DOCUMENT_KEY of the photo identification document PDF (RG or CNH) (previously sent)
document_identification_back	string	DOCUMENT_KEY of the back side of the photo identification document PDF (RG or CNH) (previously sent).
document_identification_type *	string	Qual o tipo do documento de identificação enviado.
document_identification_number *	string	Identification document number of the person sent in "document_identification".	16
email *	string	Client's email.	254
phone *	object	Client's phone number.	Object Phone
address	object	Client's address.	Object Address
proof_of_residence	string	DOCUMENT_KEY of the address proof PDF (previously sent).	-

Object Spouse

Field	Description	Example	Max. Caract.
person_type *	string	Identifier indicating that the sent object is an individual or a legal entity.	natural
name *	string	Corporate name for corporate operations or person's name for person operations. Limited to 100 characters.
mother_name *	string	Mother's name of the client in case of person. Limited to 100 characters
birth_date *	string	Date of birth of the person (format "YYYY-MM-DD")	-
profession *	string	Client's profession. Limited to 64 characters.	64
is_pep *	boolean	Declaration if the person is PEP (http://www.portaldatransparencia.gov.br/download-de-dados/pep).	true/false
individual_document_number *	string	Person's CPF (numbers only).	10
document_identification_number *	string	Identification document number of the person sent in "document_identification".	16
email *	string	Client's email	254
phone *	object	Client's phone number.	Object phone
address	object	Client's address.	Object address

Object Address

Field	Type	Description	Max. Caract.
city *	string	City	100
state *	string	Address state (with two uppercase characters)	2
number *	string	Address Numner	10
street *	string	Steet	100
complement *	string	Address complement (free text)	100
postal_code *	string	Postal Code (http://www.buscacep.correios.com.br/sistemas/buscacep/)	8
neighborhood *	string	Neighborhood	100

Object Phone

Field	Description	Example	Max. Caract.
number *	string	Phone number	10
area_code *	string	Phone area code (DDD) (https://ddd.guiamais.com.br/)	2
country_code *	string	Phone DDI code (https://ddi.guiamais.com.br/)	3

Object Disbursement Bank Account

A debt issuance must contain the bank information for disbursement, by default, an account held by the debtor.

Field	Type	Description	Max. Caract.
name	string	Account owner's name

| 50 | | document_number | string | Account owner's CPF | 11 | | bank_code * | string | Financial institution's COMPE code financeira (https://www.bcb.gov.br/pom/spb/estatistica/port/ASTR003.pdf) | 3 | | branch_number * | string | Branch number (do not include the branch check digit!) | 4 | | account_number * | string | Account number (without the account check digit!) | 10 | | account_digit * | string | Account check digit (use zero in place of letters) | 1 | | account_type | enum | Enumerador Account Type Account type | 1 |

Object Financial

The financial object describes the financial information of the issuance. Here, the interest rate, grace period, and debt value, among others, are defined. The Financial Object has the fields described below, but it is important to note that some fields are optional and mutually exclusive (if one is available, the other should not be sent).

Field	Type	Description	Max. Caract.
amout	float	Issue/Nominal value of the credit operation	-
interest_type	object	Enumerador Interest Type - Amortization method and interest calculation method	-
credit_operation_type	object	Enumerador Credit Operation Type - Credit contract type	-
annual_interest_rate	float	Pre-fixed interest rate expressed in decimal per year	-
disbursement_date	date	Operation disbursement date	-
interest_grace_period	int	Interest grace period (in months)	-
principal_grace_period	int	Principal grace period	-
number_of_installments	int	Number of installments of the credit operation	-
fine_configuration	object	Object Fine Configuration - Late interest and penalty configuration	-

Object Fine Configuration

In the Fine Configuration Object, the penalty and late interest amounts of the credit operation are provided.

Field	Type	Description	Max. Caract.
contract_fine_rate	float	Penalty rate for delay	-
interest_base	enum	Enumerador Interest Base - Interest calculation base	-
monthly_rate	float	Monthly late interest rate	-

Object Rebates

Field	Type	Description	Max. Caract.
fee_type *	enum	Fee Type.	-
amount_type *	object	Amount Type.	-
amount *	object	Fee amount. If the fee type is percentage, the value must be between 0 and 100.	-

Response Body

Field	Type	Description	Max. Caract.
data[n].data	object	Object Data	-
data[n].event_datetime	date	Moment of credit operation generation	-
data[n].key	string	DEBT-KEY - Unique key of the credit operation within QI	-
data[n].status	string	Possible status of a debt	-
data[n].type	string	debt	-

Enumerators

Person Type_Enumerators

Enumerator	Description
legal	Corporate
natural	Person

Amount Type_Enumerators

Enumerator	Description
tac	Fee charged to the borrower.
spread	Fee charged to the fund added to the operation's transfer price.

Account Type_Enumerators

Enumerator	Description
checking_account	checking account
deposit_account	deposit account
guaranteed_account	guaranteed account
investment_account	investment account
payment_account	payment account
saving_account	saving account
salary_account	salary account

Interest Type_Enumerators

Enumerator	Description
pre_price_days	Price amortization method (equal installments) with calculation of pre-fixed interest per day
pre_price	Price amortization method (equal installments) with pre-fixed interest calculation in fixed periods (30 days)
pre_sac	SAC amortization method (constant amortization) with pre-fixed interest calculation per day
post_sac	SAC amortization method (constant amortization) with interest calculation based on a pre-fixed rate + post-fixed indexer (CDI, IPCA, or IGPM) per day
post_price	Price amortization method (equal installments) with interest calculation based on a pre-fixed rate + post-fixed indexer (CDI, IPCA, or IGPM) in fixed periods (30 days)
post_price_days	Price amortization method (equal installments) with interest calculation based on a pre-fixed rate + post-fixed indexer (CDI, IPCA, or IGPM) per day

Credit Operation Type_Enumerators

Enumerator	Description
ccb	Cédula de Crédito Bancário
cce	Cédula de Crédito à Exportação
cci	Cédula de Crédito Imobiliário
nce	Nota de Crédito à Exportação

Interest Base_Enumerators

Enumerator	Description
workdays	Interest calculation base in business days considering a year of 252 days
calendar_days	Interest calculation base in business days considering a year of 360 days
calendar_days_365	Interest calculation base in business days considering a year of 365 days

Fee Type_Enumerators

Cada tipo de fee deve ser previamente habilitado e configurado pela QI Tech

Enumerator	Description
tac	Registration opening fee
spread	Spread charged on the acquisition value of the credit operation
warranty_analysis	Warranty analysis fee
ted_fee	TED Fee
spread_ted_fee	TED fee spread charged on the acquisition value of the credit operation