curl 'https://api.stateset.com/v1/finance/loans/loan_5z8nPq3oW7' \
-H 'Authorization: Bearer <token>'
{
"loan_id": "loan_5z8nPq3oW7",
"status": "ACTIVE",
"approved_amount": "25000.00",
"drawn_amount": "25000.00",
"outstanding_balance": "23076.83",
"interest_rate": 0.075,
"term_months": 12,
"total_collateral_value": "61200.00",
"ltv_ratio": 0.38,
"liquidation_threshold": 0.75,
"next_payment": { "due_date": "2024-08-25", "total": "2256.50" },
"repayment_schedule": [
{
"payment_number": 1,
"due_date": "2024-07-25",
"principal": "1923.17",
"interest": "333.33",
"total": "2256.50",
"status": "PAID"
}
]
}
Get Loan
Retrieve a loan with its current LTV, outstanding balance, and repayment schedule.
GET
/
v1
/
finance
/
loans
/
{id}
curl 'https://api.stateset.com/v1/finance/loans/loan_5z8nPq3oW7' \
-H 'Authorization: Bearer <token>'
{
"loan_id": "loan_5z8nPq3oW7",
"status": "ACTIVE",
"approved_amount": "25000.00",
"drawn_amount": "25000.00",
"outstanding_balance": "23076.83",
"interest_rate": 0.075,
"term_months": 12,
"total_collateral_value": "61200.00",
"ltv_ratio": 0.38,
"liquidation_threshold": 0.75,
"next_payment": { "due_date": "2024-08-25", "total": "2256.50" },
"repayment_schedule": [
{
"payment_number": 1,
"due_date": "2024-07-25",
"principal": "1923.17",
"interest": "333.33",
"total": "2256.50",
"status": "PAID"
}
]
}
Overview
Returns the loan and, critically, its current collateral position. Collateral is marked to market, soltv_ratio moves without you doing anything — this endpoint is how you find out before a
margin call does.
Path
string
required
The loan identifier, e.g.
loan_5z8nPq3oW7.Response
string
required
Loan identifier.
string
required
PENDING_APPROVAL, APPROVED, ACTIVE, REPAID, or LIQUIDATED.string
required
Principal approved.
string
required
Principal actually drawn. Approved but undrawn principal accrues no interest.
string
required
Principal plus accrued interest still owed.
number
required
Annual rate as a decimal.
number
required
Loan term.
string
required
Current mark-to-market value of posted collateral.
number
required
Current loan-to-value — outstanding ÷ collateral value. Monitor this. It rises when collateral
falls in value as readily as when you draw more principal.
number
required
The LTV at which collateral is liquidated. The gap between this and
ltv_ratio is your headroom.object
required
Due date and amount of the next scheduled payment.
array
required
Every scheduled payment, each split into principal and interest.
Errors
Succeeds with200. Failures return 400, 401, 403, 404 or 429 with an error body, per the platform status-code contract.
curl 'https://api.stateset.com/v1/finance/loans/loan_5z8nPq3oW7' \
-H 'Authorization: Bearer <token>'
{
"loan_id": "loan_5z8nPq3oW7",
"status": "ACTIVE",
"approved_amount": "25000.00",
"drawn_amount": "25000.00",
"outstanding_balance": "23076.83",
"interest_rate": 0.075,
"term_months": 12,
"total_collateral_value": "61200.00",
"ltv_ratio": 0.38,
"liquidation_threshold": 0.75,
"next_payment": { "due_date": "2024-08-25", "total": "2256.50" },
"repayment_schedule": [
{
"payment_number": 1,
"due_date": "2024-07-25",
"principal": "1923.17",
"interest": "333.33",
"total": "2256.50",
"status": "PAID"
}
]
}
Do not infer safety from a low
ltv_ratio at one point in time. If your collateral is volatile,
poll this endpoint or subscribe to the corresponding
webhook — liquidation is automatic and does not wait
for a missed payment.Related
Last modified on August 29, 2026