Overview

Financing Integration Guide

Display pre-qualified financing offers to your customers using Slate’s embedded financing solution.

This guide walks you through the full integration flow — from registering businesses to embedding financing offers and monitoring financing agreements.

Overview

Slate allows you to surface pre-qualified financing offers directly inside your product. Businesses are evaluated automatically, and approved offers are displayed via an embeddable banner.

How It Works

Send business data — Share your customer's business information and revenue data with Slate
Automatic evaluation — Slate evaluates businesses and generates pre-approval offers
Create session token — Generate a secure token on your backend for each business
Display offers — Embed Slate's script in your frontend to show financing banners
Customer application — Users click the banner and complete their application on Slate's hosted page
Financing agreement — Approved applications result in financing agreements, with webhook notifications sent to your system

Integration Steps

Step 1 — Create a Business

First, register each business in Slate's system. Use your own stable identifier as the externalId to easily reference the business later.

POST https://api.tryslatehq.com/businesses

Request:

{
  "externalId": "biz_123",
  "legalName": "Acme Corp",
  "dba": "Acme",
  "website": "https://acme.com",
  "type": "PARTNERSHIP",
  "address": {
    "address1": "123 Main St",
    "address2": null,
    "city": "San Francisco",
    "postalCode": "94105",
    "country": "US",
    "state": "AL"
  },
  "contact": {
    "fullName": "John Doe",
    "email": "john@acme.com",
    "phone": "+15551234567"
  }
}

Response:

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "externalId": "biz_123",
  "legalName": "Acme Corp",
  "dba": "Acme",
  "type": "PARTNERSHIP",
  "website": "https://acme.com",
  "address": {
    "address1": "123 Main St",
    "address2": null,
    "city": "San Francisco",
    "postalCode": "94105",
    "country": "US",
    "state": "AL"
  },
  "contact": {
    "fullName": "John Doe",
    "email": "john@acme.com",
    "phone": "+15551234567"
  }
}

You can use either Slate's id or your externalId in subsequent API calls.

Step 2 — Attach Financial Data

Provide financial information to enable Slate to evaluate the business for pre-approval. You can submit data in two formats:

POST https://api.tryslatehq.com/businesses/{id}/attach-financial-data

Request:

{
  "externalId": "biz_123",
  "timeseries": [
    {
      "date": "2025-01-01",
      "propertyName*": "anything"
    }
  ]
}

Response:

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "businessId": "123e4567-e89b-12d3-a456-426614174000",
  "timeseries": [
    {
      "date": "2025-01-01",
      "propertyName*": "anything"
    }
  ]
}

Step 3 — Check for Pre-Approvals

After submitting business and revenue data, Slate automatically evaluates businesses for pre-qualification. Check if a business has an active pre-approval:

GET https://api.tryslatehq.com/pre-approvals?externalId=biz_123

Response:

{
  "data": [
    {
      "id": "123e4567-e89b-12d3-a456-426614174000",
      "businessId": "123e4567-e89b-12d3-a456-426614174000",
      "externalId": "biz_123",
      "status": "ACTIVE",
      "amount": 10000,
      "currency": "CAD",
      "repaymentFrequency": 1,
      "repaymentFrequencyUnit": "month",
      "origin": "slate",
      "createdAt": "2025-01-01T00:00:00Z",
      "updatedAt": "2025-01-01T00:00:00Z"
    }
  ],
  "page": 1,
  "limit": 1,
  "total": 1,
  "totalPages": 1
}

Pre-approval statuses:

ACTIVE — Available for the customer to accept
REJECTED — Business did not qualify
EXPIRED — Offer has expired
CONSUMED — Customer has applied for this offer

Step 4 — Create a User Session Token

Generate a secure session token on your backend for each business that will view financing offers. This token authenticates the embedded banner.

POST https://api.tryslatehq.com/user-sessions

Request:

{
  "externalId": "biz_123"
}

Response:

{
  "token": "ust_a1b2c3d4e5f6g7h8i9j0"
}

⚠️ Important

Generate this token server-side to protect your API key. Never expose your API key in frontend code.

Note: If the externalId doesn't match an existing business, a new business record will be created automatically when the customer submits an application.

Add Slate's script to your frontend and pass the session token. The banner will automatically appear if the business has an active pre-approval.

<!DOCTYPE html>
<html>
<head>
  <title>Your Application</title>
</head>
<body>
  <!-- Your application content -->
  
  <!-- Slate financing banner -->
  <div id="slate-financing-banner"></div>
  
  <script src="https://cdn.tryslatehq.com/banner.js"></script>
  <script>
    Slate.init({
      token: 'ust_a1b2c3d4e5f6g7h8i9j0', // Session token from Step 4
      containerId: 'slate-financing-banner'
    });
  </script>
</body>
</html>

Behavior:

If the business has an ACTIVE pre-approval, the banner displays the offer details
If no pre-approval exists, nothing is rendered
Clicking the banner opens Slate's application flow in a new window or modal

Step 6 — Monitor Applications

Track the status of applications submitted by your customers:

GET https://api.tryslatehq.com/application?externalId=biz_123

Response:

{
  "data": [
    {
      "id": "123e4567-e89b-12d3-a456-426614174000",
      "businessId": "123e4567-e89b-12d3-a456-426614174000",
      "currentStep": "INTRO",
      "status": "DRAFT",
      "externalId": "biz_123",
      "createdAt": "2025-01-01T00:00:00Z"
    }
  ],
  "page": 1,
  "limit": 1,
  "total": 1,
  "totalPages": 1
}

Application statuses:

DRAFT — Application started but not submitted
REQUIRES_ACTION — Additional information needed from the customer
PROCESSING — Under review by Slate
APPROVED — Application approved, financing agreement created
REJECTED — Application declined

Step 7 — Access Financing Agreements

Once an application is approved, retrieve the financing agreement details:

GET https://api.tryslatehq.com/financing-agreements?externalId=biz_123

Response:

{
  "data": [
    {
      "id": "123e4567-e89b-12d3-a456-426614174000",
      "businessId": "123e4567-e89b-12d3-a456-426614174000",
      "type": "fixed_mca",
      "fixedMCA": {
        "paybackAmount": 10000,
        "factorRate": 1.2
      },
      "fundedAmount": 10000,
      "fundedDate": "2025-01-01T00:00:00Z",
      "currency": "CAD",
      "firstPaymentDate": "2025-01-01T00:00:00Z",
      "estimatedLastPaymentDate": "2025-01-01T00:00:00Z",
      "status": "IN_PROGRESS",
      "term": 12,
      "termUnit": "month",
      "repaymentFrequency": 1,
      "repaymentFrequencyUnit": "month",
      "remainingBalance": 10000,
      "totalPaid": 10000,
      "createdAt": "2025-01-01T00:00:00Z",
      "updatedAt": "2025-01-01T00:00:00Z"
    }
  ],
  "page": 1,
  "limit": 1,
  "total": 1,
  "totalPages": 1
}

Webhook notifications

Slate will notify you of important events via webhooks. You will be able to configure your endpoints ant the suscribed events in the dashboard.

Common events:

Application status changes
Financing agreement created
Payment processed
Payment failed

Authentication

All API requests require authentication using your private API key in the x-api-key header:

Note: You can create multiple api keys in the developer section of the dasbhoard

curl https://api.tryslatehq.com/businesses \
  -H "x-api-key: your_private_api_key" \
  -H "Content-Type: application/json"

⚠️ Important

Never expose your private API key in client-side code. Always generate session tokens on your backend.

Pagination

List endpoints support pagination using page and limit parameters:

GET https://api.tryslatehq.com/businesses?page=2&limit=10

Testing

Contact the Slate team at integrations@tryslatehq.com to:

Obtain your API credentials
Configure pre-approval criteria for your integration
Set up webhook endpoints
Access the testing environment

Best practices

Keep business data current — Update business information and revenue data regularly to ensure accurate pre-approvals.

Cache session tokens — Session tokens can be reused for the same business within a session. Generate new tokens periodically for security.

Handle missing offers gracefully — The banner won't render if there's no active pre-approval. Design your UI to work with or without the financing offer.

Monitor application status — Poll the applications endpoint or use webhooks to stay informed about application progress.

Test thoroughly — Verify the integration in your staging environment before going live.

Need help?

Contact the Slate integration team at integrations@tryslatehq.com for support with:

API credentials and access
Pre-approval configuration
Webhook setup
Integration question

Overview

Overview

How It Works

Integration Steps

Step 1 — Create a Business

Step 2 — Attach Financial Data

Step 3 — Check for Pre-Approvals

Step 4 — Create a User Session Token

⚠️ Important

Step 5 — Embed the Financing Banner

Step 6 — Monitor Applications

Step 7 — Access Financing Agreements

Webhook notifications

Authentication

⚠️ Important

Pagination

Testing

Best practices

Need help?