The tables below list all events you can subscribe to via webhooks.

When creating a subscription, include the event codes in your request JSON. The notification you receive may not contain all available details for a given status — refer to the linked APIs for more information. Each event below includes a sample response body.

Lead Creation

Leads created via organic, API, or broker journeys.

Application Submission

Stage 1 submissions and push-backs.

Application Rejection

Rejected, rescinded, or ineligible applications.

Offers

Offer creation, acceptance, and expiration.

Contracts

Contract signing and delivery.

Banking Data

Settlement accounts and banking information.

Loan Funding

Loan funding and bounce-backs.

Loan Repayment

Payments, reversals, refunds, and settlements.

Loan Outcomes

Defaults, write-offs, and collections.

Instant Settlement

Enabling and disabling instant settlement.

Fast Track

KYC check results for Fast Track leads.

👋
Please get in touch
If you would like any new events added, please get in touch at partnershipmanagement@youlend.com with the required use case, and we will usually be able to add support for the new event.

All webhook events

Event data structure

All events share the following basic structure:

{
    "EventCode": "ONB10959",
    "Message": "Example message...",
    "EventProperties": {
      "LeadId": "f3c23809-9850-4546-bd08-650068aa55f6",
      "EventId": "874b3183-640a-4fa5-bf49-2e2f063f5e34"
     }
}

📘
Good to know
Most events have added EventProperties that show additional data based on the type and nature of the event.

Lead Creation

ONB10018 — Lead created via organic journey

The EventProperties object has the same structure for the events with code ONB10018, ONB10025 and ONB10026

{
  "EventCode": "ONB10018",
  "Message": "Lead created via Organic journey",
  "EventProperties": {
    "LeadId": "54cf5823-0287-4025-92f2-4cd25f02aea0",
    "ThirdPartyCustomerId": "test_123456",
    "OrganisationSignUpData": {
      "CompanyName": "This is a company"
    }
  }
}

ONB10025 — Lead created via API journey

{
  "EventCode": "ONB10025",
  "Message": "Lead created via API journey",
  "EventProperties": {
    "LeadId": "54cf5823-0287-4025-92f2-4cd25f02aea0",
    "ThirdPartyCustomerId": "test_123456",
    "OrganisationSignUpData": {
      "CompanyName": "This is a company"
    }
  }
}

ONB10026 — Lead created via Broker dashboard journey

{
  "EventCode": "ONB10026",
  "Message": "Lead created via Broker dashboard journey",
  "EventProperties": {
    "LeadId": "54cf5823-0287-4025-92f2-4cd25f02aea0",
    "ThirdPartyCustomerId": "test_123456",
    "OrganisationSignUpData": {
      "CompanyName": "This is a company"
    }
  }
}

ONB10031 — Renewal lead created

{
  "EventCode": "ONB10031",
  "Message": "A renewal lead has been created",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "IsRenewal": true,
    "ThirdPartyCustomerId": "test_123456"
  }
}

Application Submission

ONB10009 — Stage 1 submitted

{
  "EventCode": "ONB10009",
  "Message": "All documents required for review by credit algorithms and underwriters have been submitted",
  "EventProperties": {
    "ThirdPartyCustomerId": "test_123456",
    "LeadId": "11c51f4e-a033-4410-a06a-7f4cc6a9840c"
  }
}

ONB10051 — Stage 1 submitted via API

{
  "EventCode": "ONB10051",
  "Message": "The lead has been successfully submitted via API",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e"
  }
}

ONB10050 — Push-back resolved

{
  "EventCode": "ONB10050",
  "Message": "The required information from a lead is resolved.",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "CreditRiskCheckReasonExtended": {
      "AdditionalInfo": "",
      "ReasonCode": "PB018",
      "IsResolved": true
    }
  }
}

📘
Good to Know
You can find more information about push-backs and a list of reason codes on this page.

ONB10029 — Lead requires further information (push-back)

{
  "EventCode": "ONB10029",
  "Message": "Lead requires further information",
  "EventProperties": {
      "ThirdPartyCustomerId": "test_123456",
      "LeadId": "11c51f4e-a033-4410-a06a-7f4cc6a9840c",
      "EventId": "f50458bf-8c49-4025-8973-fa8d2cc4c074",
      "CreditRiskCheckPendingReasons": [
        {
          "Reason": "Overdraft limit confirmation",
          "AdditionalInfo": null,
          "ReasonCode": "PB018"
        },
        {
          "Reason": "Open banking only",
          "AdditionalInfo": null,
          "ReasonCode": "PB020"
        },
        {
          "Reason": "Bank statements - 3/6/12 months (includes open banking)",
          "AdditionalInfo": "{\"Data\":{\"DurationInMonths\":3},\"Text\":\"3 months\"}",
          "ReasonCode": "PB017"
        },
        {
          "Reason": "Personal bank statements",
          "AdditionalInfo": "{\"Data\":{\"Name\":\"Mike Bloggs\"},\"Text\":\"Mike Bloggs\"}",
          "ReasonCode": "PB026"
        }
      ]
    }
}

📘
Good To Know
The AdditionalInfo object in the push-back webhook is a JSON-formatted string with escaped characters. To convert it to a usable JSON object in code, you'd need to un-escape it first and then parse it as JSON

Application Rejection

ONB10028 — Lead rejected with reasons provided

{
  "EventCode": "ONB10028",
  "Message": "Lead has been rejected with reasons provided",
  "EventProperties": {
    "LeadId": "54cf5823-0287-4025-92f2-4cd25f02aea0",
    "ThirdPartyCustomerId": "test_123456",
    "CreditRiskCheckRejectedPartnerReasons": [
      {
        "Reason": "Other",
        "ReasonCode": "RJ033"
      }
    ]
  }
}

📘
Good to Know
There are many different reasons a lead may be rejected, rescinded, or determined ineligible. You can find a list of the codes on this page.

ONB10039 — Application rescinded or made ineligible

{
  "EventCode": "ONB10039",
  "Message": "The application has been made 'Ineligible' or 'Rescinded' (see properties for more detail)",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "ThirdPartyCustomerId": "test_123456",
    "LeadState": "rescinded",
    "LeadStateReasons": [
      {
        "Reason": "Partner Revoke: Application Incomplete",
        "AdditionalInfo": "Test",
        "ReasonCode": "RS014"
      }
    ]
  }
}

{
  "EventCode": "ONB10039",
  "Message": "The application has been made 'Ineligible' or 'Rescinded' (see properties for more detail)",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "ThirdPartyCustomerId": "test_123456",
    "LeadState": "ineligible",
    "LeadStateReasons": [
      {
        "Reason": "Not within Partner requirements",
        "AdditionalInfo": "test",
        "ReasonCode": "EL010"
      }
    ]
  }
}

Offers

ONB10011 — Offers provided

{
  "EventCode": "ONB10011",
  "Message": "Offers Provided",
  "EventProperties": {
    "ThirdPartyCustomerId": "test_123456",
    "LeadId": "5f2f4462-e569-4e4a-922e-9720498b3b58",
    "MinFundingAmount": 0,
    "MaxFundingAmount": 0,
    "Offers": [
      {
        "OfferId": "11420e44-2022-4ae0-9e15-654da88a3f5c",
        "YouWillGet": "15000.0",
        "YouWillRepay": "20000.0",
        "CurrencyISOCode": "USD",
        "Sweep": "20.0",
        "DaysUntilRepayment": 180
      }
    ]
  }
}

Direct debit offers variant:

{
  "EventCode": "ONB10011",
  "Message": "Offers Provided",
  "EventProperties": {
    "LeadId": "465b0f37-67fc-4106-abbf-eb4e1b0dd405",
    "ThirdPartyCustomerId": "test_123456",
    "MinFundingAmount": 1930,
    "MaxFundingAmount": 8350,
    "Offers": [
      {
        "OfferId": "2af537c5-9cae-4a9e-b48e-7676a35e0f88",
        "YouWillGet": "7760.0",
        "YouWillRepay": "10398.0",
        "CurrencyISOCode": "EUR",
        "Sweep": "20.0",
        "DaysUntilRepayment": 146,
        "ExpectedRepayment": 498.53,
        "RepaymentMethod": "Direct Debit - Fixed",
        "RepaymentFrequency": "Weekly"
      },
      {
        "OfferId": "e2aa35db-74b1-41d5-a610-abc43392ff98",
        "YouWillGet": "8060.0",
        "YouWillRepay": "10961.0",
        "CurrencyISOCode": "EUR",
        "Sweep": "20.0",
        "DaysUntilRepayment": 154,
        "ExpectedRepayment": 498.23,
        "RepaymentMethod": "Direct Debit - Fixed",
        "RepaymentFrequency": "Weekly"
      },
      {
        "OfferId": "620a92a7-59ef-4ec8-ac8d-ead7c359b55c",
        "YouWillGet": "8350.0",
        "YouWillRepay": "11523.0",
        "CurrencyISOCode": "EUR",
        "Sweep": "20.0",
        "DaysUntilRepayment": 162,
        "ExpectedRepayment": 497.91,
        "RepaymentMethod": "Direct Debit - Fixed",
        "RepaymentFrequency": "Weekly"
      }
    ]
  }
}

ONB10027 — Offers expired

Offers expired

{
  "EventCode": "ONB10027",
  "Message": "Offers have expired",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "ThirdPartyCustomerId": "test_123456"
  }
}

ONB10056 — Offer accepted

{
  "EventCode": "ONB10056",
  "Message": "Offer Accepted",
  "EventProperties": {
    "EventId": "c8391cea-5f72-4ddb-b2df-2590aadf1014",
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "Offer": {
      "OfferId": "56abdd92-f861-46c4-88b6-d92f09b3e6aa",
      "YouWillGet": "15000.0",
      "YouWillRepay": "20000.0",
      "CurrencyISOCode": "USD",
      "Sweep": "20.0",
      "DaysUntilRepayment": 180,
      "MaturityDate": "2026-06-19T18:06:17.634Z",
      "RepaymentMethod": "Direct Debit - Fixed"
    }
  }
}

ONB10057 — Offer accepted (not via API)

{
  "EventCode": "ONB10057",
  "Message": "Offer accepted not via API",
  "EventProperties": {
    "EventId": "cef252cf-ad3b-42eb-86d1-ce4a6c8bd1e2",
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "IsEligibleForInstantSigning": true,
    "Offer": {
      "OfferId": "56abdd92-f861-46c4-88b6-d92f09b3e6aa",
      "YouWillGet": "15000.0",
      "YouWillRepay": "20000.0",
      "CurrencyISOCode": "USD",
      "Sweep": "20.0",
      "MaturityDate": "2026-06-19T18:06:17.634Z",
      "RepaymentMethod": "Direct Debit - Fixed"
    }
  }
}

Contracts

ONB10022 — Contract signed via DocuSign

{
  "EventCode": "ONB10022",
  "Message": "Contract Signed",
  "EventProperties": {
    "LeadId": "f4bddb67-b259-438e-9ab4-ad35cf6a1b29",
    "DocumentSigningId": "234b619b-1d48-47b1-ab7c-4b3b25881f99",
    "ThirdPartyCustomerId": "test_123456",
    "SignedDocuments": [
      {
        "DocumentId": "49a47f74-e884-4a96-80d4-5593f57cff1e",
        "DocumentType": "application/pdf"
      },
      {
        "DocumentId": "4ccc4e8e-608e-447b-a4d9-f534b39cbd63",
        "DocumentType": "application/pdf"
      }
    ]
  }
}

ONB10023 — Contract signed via click sign

{
  "EventCode": "ONB10023",
  "Message": "Contract Signed via Clickign",
  "EventProperties": {
    "LeadId": "f4bddb67-b259-438e-9ab4-ad35cf6a1b29",
    "DocumentSigningId": "234b619b-1d48-47b1-ab7c-4b3b25881f99",
    "ThirdPartyCustomerId": "test_123456",
    "SignedDocuments": [
      {
        "DocumentId": "49a47f74-e884-4a96-80d4-5593f57cff1e",
        "DocumentType": "application/pdf"
      },
      {
        "DocumentId": "4ccc4e8e-608e-447b-a4d9-f534b39cbd63",
        "DocumentType": "application/pdf"
      }
    ]
  }
}

ONB10038 — Contract sent via DocuSign

Contract sent

{
  "EventCode": "ONB10038",
  "Message": "Contract has been sent to Merchant via Docusign",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "ThirdPartyCustomerId": "test_123456"
  }
}

ONB10035

Banking Data

ONB10035 — Settlement/repayment account ready to fetch

{
  "EventCode": "ONB10035",
  "Message": "The Settlement/Repayment account details are ready to fetch from the AOL endpoint to begin the re-routing process",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e"
  }
}

ONB10058 — Banking data received from merchant

{
  "EventCode": "ONB10058",
  "Message": "Banking data received from the merchant",
  "EventProperties": {
    "EventId": "c328cc4c-b158-48a1-8197-7fa40df39272",
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e"
  }
}

LOA10013

Loan Funding

LOA10013 — Loan funded

📘
Good to Know
LOA10013 is used the majority of the time.

{
  "EventCode": "LOA10013",
  "Message": "Lead has received funding",
  "EventProperties": {
		"ExpectedRepayment": 759.97,
  	"ThirdPartyCustomerId": "test_123456",
  	"CurrencyISOCode": "EUR",
	  "RepaymentFrequency": "Weekly",
	  "LeadId": "da65dec2-f4b5-4deb-a504-e89a9841d632",
 	  "LoanNumber": 60000427,
 	  "Amount": "20000.00",
 	  "DateFunded": "2025-10-08T00:00:00Z",
  	"OriginalAmount": "22799.0",
  	"Sweep": "10.8",
 	  "FastTrackLeadId": "00000000-0000-0000-0000-000000000000",
 	  "RepaymentMethod": "Direct Debit - Fixed",
 	  "LoanId": "f883902a-728e-43bb-bb1a-65d95452c9da",
 	  "EventId": "6af78c06-4d47-44f3-9b79-d0b3b1563eb6",
    "DateOfFirstRepayment": null
  }
}

LOA10036 — Loan funded (manual)

📘
Good to Know
LOA10036 is used when a loan has been manually marked as funded — treat it the same as LOA10013.

{
  "EventCode": "LOA10036",
  "Message": "Lead has received funding via a manual process",
  "EventProperties": {
    "DateFunded": "2025-09-22T00:00:00Z",
    "LoanNumber": 60000172,
    "LoanId": "5b8f5ea7-b8ee-4776-ae48-94ca6e793bb4",
    "Sweep": "20.0",
    "ThirdPartyCustomerId": "test_123456",
    "Amount": "15000.0",
    "OriginalAmount": "20000.0",
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "RepaymentMethod": null,
    "RepaymentFrequency": null,
    "ExpectedRepayment": 0
  }
}

LOA10045 — Funding bounce-back

{
  "EventCode": "LOA10045",
  "EventProperties": {
    "LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04",
    "LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0"
  },
  "Message": "The payment for funding bounced back from the intended bank account"
}

LOA10059 — Loan ready to start receiving repayments

{
  "EventCode": "LOA10059",
  "Message": "Loan is ready to start receiving repayments",
  "EventProperties": {
    "EventId": "1ca69cab-3ca1-4e46-ad1d-ba59302a3673",
    "LoanNumber": 60000487,
    "ThirdPartyCustomerId": "testdecline",
    "LoanId": "49156956-7173-4da5-84b9-68fd8dcb2fd3",
    "LeadId": "34609fb9-04bc-418a-a872-d0238739d274"
  }
}

Loan Repayment

LOA10032 — Loan fully repaid

{
  "EventCode": "LOA10032",
  "Message": "The merchant has repaid the loan",
  "EventProperties": {
    "LoanId": "baf5db4c-a05d-4bdb-add7-a520449bee7a",
    "EventId": "930383ce-f1c7-45f1-ab68-614772e6d0a0",
    "ThirdPartyCustomerId": "test_123456",
    "LeadId": "5f2f4462-e569-4e4a-922e-9720498b3b58"
  }
}

LOA10040 — Payment made towards the loan

{
  "EventCode": "LOA10040",
  "Message": "Loan principal paid ",
  "EventProperties": {
    "CorrelationId": "8f3bf60a-df51-4dbc-9000-88882816dabc",
    "PaymentDate": "2025-10-15T00:00:00Z",
    "ThirdPartyCustomerId": "test_123456",
    "PrincipalRemaining": "-0.00",
    "EventId": "0d83d531-05c4-431e-931f-59d9356eb006",
    "PaymentAmount": "22299.00",
    "LeadId": "1d81fe2e-db08-4eaa-9cc2-4213a2d1f1a9",
    "LoanId": "60ebf364-5474-457b-8caa-251af9803876",
    "CurrencyISOCode": "EUR",
    "PaymentTypeDetails": {
      "PaymentType": "Settlement",
      "SettlementReference": "test repay",
      "SettlementAmount": "500000.00"
    }
  }
}

LOA10041 — Payment reversal

{
  "EventCode": "LOA10041",
  "EventProperties": {
    "Amount": "10.00",
    "LeadId": "113222a1-1a89-4ef0-bda3-bad07224fe11",
    "LoanId": "d90c9fc1-cdd0-4dfc-810a-e2bab1f76199",
    "PaymentDate": "2023-10-20T00:00:00Z",
    "PrinciplaRemaining": "9890.40"
  },
  "Message": "A previously made payment towards a loan was reversed "
}

LOA10042 — Refund from a loan advance

{
	"EventCode": "LOA10042",
	"EventProperties": {
		"Amount": "10.00",
	   "LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04",
	   "LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0"
	 },
	 "Message": "A Refund was triggered for this loan"
}

LOA10043 — Refund reversal

{
  "EventCode": "LOA10043",
  "EventProperties": {
    "Amount": "10.00",
    "LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04",
    "LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0"
  },
  "Message": "A Refund was reversed for this loan"
}

LOA10055 — Settlement processed (EU only)

{
  "EventCode": "LOA10055",
  "EventProperties": {
    "LoanId": "db775b01-a9d7-484f-a9fa-8d01832d5ca4",
    "LeadId": "c309b8a4-6a53-42c1-bd2b-50d35613f602",
    "TotalSettlementAmount": "23.53",
    "SettlementReference": "test1",
    "ThirdPartyCustomerId": "test_123456",
    "PaymentsToLenders": [
      {
        "Amount": "23.53",
        "PaymentCorrelationId": "9158db65-c41f-4588-af03-d3e1e6a04476"
      }
    ]
  }
}

LOA10046 — Loan discounted settlement

{
  "EventCode": "LOA10046",
  "Message": "A discounted repayment amount has been finalised for this loan ",
  "EventProperties": {
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e",
    "LoanId": "5b8f5ea7-b8ee-4776-ae48-94ca6e793bb4",
    "ThirdPartyCustomerId": "test_123456",
  }
}

Loan Outcomes

LOA10033 — Loan defaulted

{
  "EventCode": "LOA10033",
  "Message": "The loan has defaulted and is now in our recoveries process",
  "EventProperties": {
    "LoanId": "f926rfc2-30b6-4821-89c7-2a3f11dda380",
    "LeadId": "f926dgc2-30r6-4721-89c7-2a3f21dfa380",
    "ThirdPartyCustomerId": "test_123456",
  }
}

LOA10034 — Loan written-off

{
  "EventCode": "LOA10034",
  "Message": "The loan has been written-off",
  "EventProperties": {
    "LoanId": "f926rfc2-30b6-4821-89c7-2a3f11dda380",
    "LeadId": "f926dgc2-30r6-4721-89c7-2a3f21dfa380",
    "ThirdPartyCustomerId": "test_123456"
  }
}

LOA10047 — Loan in Collections

{
  "EventCode": "LOA10047",
  "Message": "The merchant has entered YouLend's Collections process",
  "EventProperties": {
    "ThirdPartyCustomerId": "test_123456",
    "LoanId": "5b8f5ea7-b8ee-4776-ae48-94ca6e793bb4",
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e"
  }
}

LOA10048 — Loan out of Collections

{
  "EventCode": "LOA10048",
  "Message": "The merchant has been taken out of YouLend's Collections process ",
  "EventProperties": {
    "ThirdPartyCustomerId": "test_123456",
    "LoanId": "5b8f5ea7-b8ee-4776-ae48-94ca6e793bb4",
    "LeadId": "511898ff-3a66-4ebd-8508-22c94c05416e"
  }
}

Instant Settlement

INS10004 — Instant Settlement enabled

{
    "EventCode": "INS10004",
    "Message": "Instant Settlement has been enabled",
    "EventProperties": {
        "InstantSettlementNumber": 30000000
    }
}

INS10005 — Instant Settlement disabled

{
    "EventCode": "INS10005",
    "Message": "Instant Settlement has been disabled",
    "EventProperties": {
        "InstantSettlementNumber": 30000000
    }
}

Fast Track

FAS10002 — KYC checks pending, additional information required

{
  "EventCode": "FAS10002",
  "Message": "Potential problems with KYC checks, please provide additional information",
  "EventProperties": {
    "FastTrackLeadId": "f8d6ace7-a202-438e-aaee-bfafdd2c6868",
    "SignificantPersonsErrors": [
      {
        "ThirdPartyPersonId": "person-123",
        "PersonErrors": [
          {
            "ErrorCode": "SPE0001",
            "ErrorMessage": "Unable to identify sig person, no id"
          }
        ]
      }
    ],
    "KycErrors": [
      {
        "ErrorCode": "CPE0005",
        "ErrorMessage": "Ownership structure unclear"
      }
    ]
  }
}

FAS10003 — Fast Track KYC checks rejected

{
  "EventCode": "FAS10003",
  "Message": "Fast Track KYC Checks Rejected",
  "EventProperties": {
    "FastTrackLeadId": "f8d6ace7-a202-438e-aaee-bfafdd2c6868",
    "RejectionReason": "KYC checks rejected"
  }
}

FAS10007 — Fast Track KYC checks completed

{
  "EventCode": "FAS10007",
  "Message": "Fast Track KYC Checks Completed",
  "EventProperties": {
    "FastTrackLeadId": "f8d6ace7-a202-438e-aaee-bfafdd2c6868"
  }
}