Contract and Loan

Contract

A Contract represents the credit facility agreement between your lending institution and an account.

Field	Type	Description
`id`	string	Unique contract identifier.
`status`	string	`active` — contract is open and loans can be disbursed. `completed` — all loans are fully repaid and no further disbursements are allowed.
`currency`	string	Currency of the contract (e.g., `PHP`).
`loan_type`	string	`revolving` — repaid principal is returned to the available credit pool. `term` — single disbursement for the full approved amount.
`approved_amount`	integer	Total credit limit approved under this contract, in the smallest currency unit (e.g., centavos for PHP).
`remaining_amount`	integer	Credit still available for disbursement. For revolving contracts, this increases as the merchant repays.
`interest_fee`	integer	Interest charged on each loan disbursement, expressed in the unit indicated by `interest_fee_type`.
`interest_fee_type`	string	Unit for `interest_fee`. `bps` means basis points (100 bps = 1%).
`repayment_rate`	integer	Daily repayment rate applied to the merchant's settled sales, expressed in the unit indicated by `repayment_rate_type`.
`repayment_rate_type`	string	Unit for `repayment_rate`. `bps` means basis points.
`term`	integer	Duration of the contract expressed in `term_type` units.
`term_type`	string	Unit for `term`. E.g., `month`.
`created_at`	string	ISO 8601 timestamp of when the contract was created.
`loans`	array	Loans disbursed under this contract. See Loan fields below.

Loans

Each object in the loans represents a single disbursement under the contract.

Field	Type	Description
`id`	string	Unique loan identifier.
`status`	string	Current loan status (e.g., `active`, `repaid`).
`purpose`	string	Merchant-provided reason for the loan.
`principal_amount`	integer	Original disbursed amount in the smallest currency unit.
`outstanding_principal_amount`	integer	Remaining principal balance not yet collected.
`outstanding_interest_amount`	integer	Remaining interest not yet collected.
`outstanding_dst_amount`	integer	Remaining Documentary Stamp Tax (DST) not yet collected.
`created_at`	string	ISO 8601 timestamp of when the loan was disbursed.

View Contracts and Loans via Lender Dashboard

Open Contracts tab on Lender Dashboard.
Click View button on selected contract.

View Contracts and Loans via API

curl https://api.paymongo.com/v1/capitals/lenders/contracts

Returns all contracts for the authenticated lender, including each contract's associated loans.

Query parameters

Parameter	Type	Description
`after`	string	Cursor for forward pagination.
`limit`	integer	Number of contracts to return per page. Min: `1`, max: `50`, default: `10`.
`status`	string	Filter by contract status. Accepted values: `active`, `completed`.

Example: filter for active contracts

curl "https://api.paymongo.com/v1/capitals/lenders/contracts?status=active&limit=20"

Example response

{
  "data": [
    {
      "id": "contract_123",
      "status": "active",
      "currency": "PHP",
      "loan_type": "revolving",
      "approved_amount": 1000000,
      "remaining_amount": 400000,
      "interest_fee": 250,
      "interest_fee_type": "bps",
      "repayment_rate": 1250,
      "repayment_rate_type": "bps",
      "term": 12,
      "term_type": "month",
      "loans": [
        {
          "id": "loan_123",
          "status": "active",
          "purpose": "Expand business inventory",
          "principal_amount": 300000,
          "outstanding_principal_amount": 300000,
          "outstanding_interest_amount": 15000,
          "outstanding_dst_amount": 500,
          "created_at": "2024-01-01T00:00:00Z"
        }
      ]
    }
  ]
}

Pagination

The contracts list uses cursor-based pagination. To retrieve subsequent pages, pass the next value from metadata in the current response as the after parameter.

# First page
curl "https://api.paymongo.com/v1/capitals/lenders/contracts?limit=10"

# Next page — pass the "next" from metadata of the previous response
curl "https://api.paymongo.com/v1/capitals/lenders/contracts?limit=10&after=aGFpCg"

Tracking outstanding balances

The total amount still owed on a loan is the sum of its three outstanding components:

total_outstanding = outstanding_principal_amount
                  + outstanding_interest_amount
                  + outstanding_dst_amount

When all three reach zero, the loan transitions to repaid. When all loans under a contract are repaid and no further disbursements are made, the contract transitions to completed.