Quickstart

The sandbox never contacts real lenders or borrowers. Each sandbox business plays out a scripted path within seconds.

Get an access token

Request sandbox credentials from developers@meet-oj.com. Exchange them for a token, which is valid for 15 minutes.

curl https://sandbox.api.meet-oj.com/oauth/token \
  -u "$OJ_CLIENT_ID:$OJ_CLIENT_SECRET" \
  -d grant_type=client_credentials \
  -d scope="referrals:read referrals:write sessions:write webhooks:manage"

Create a referral

Amounts are in cents. Send a unique Idempotency-Key with every POST so that retries are safe.

curl https://sandbox.api.meet-oj.com/partner/v0/referrals \
  -H "Authorization: Bearer $OJ_TOKEN" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d @referral.json

referral.json

{
  "external_id": "cust_8843",
  "intent": "work_this_deal",
  "product_hint": "revenue_based_financing",
  "requested_amount": 8500000,
  "use_of_funds": "working_capital",
  "business": {
    "legal_name": "Bluebonnet Auto Care LLC",
    "ein": "00-0000001",
    "entity_type": "llc",
    "formation_date": "2019-04-02",
    "naics": "811111",
    "address": { "line1": "1200 Main St", "city": "Fort Worth", "state": "TX", "postal_code": "76102" },
    "stated_annual_revenue": 92000000
  },
  "contacts": [
    {
      "first_name": "Daniel",
      "last_name": "Reyes",
      "email": "daniel@bluebonnetauto.com",
      "phone": "+18175550142",
      "ownership_pct": 100,
      "is_primary": true
    }
  ],
  "context": {
    "ledger": [
      { "month": "2026-08", "sales_deposits": 7810000, "total_inflows": 8120000, "ending_balance": 1430000, "nsf_count": 0 },
      { "month": "2026-07", "sales_deposits": 7420000, "total_inflows": 7690000, "ending_balance": 1210000, "nsf_count": 0 }
    ]
  },
  "consent": {
    "shared_with_oj_at": "2026-09-20T14:02:11Z",
    "terms_version": "partner-terms-2026-09"
  }
}

Response · 201

{
  "id": "ref_1MUKLEHH7",
  "object": "referral",
  "external_id": "cust_8843",
  "status": "needs_borrower",
  "status_label": "Received",
  "status_reason": "Authorize a credit check so we can match you with lenders. It won't affect your credit score.",
  "todos": [
    {
      "id": "act_1MUKLEHH70",
      "who": "borrower",
      "kind": "authorize_credit",
      "label": "Authorize a credit check",
      "detail": "A soft check that doesn't affect your score. Lenders run their own check only if you accept an offer.",
      "url": "https://app.meet-oj.com/s/ps_1MUKLEHH70",
      "due_at": "2026-10-03T01:52:31Z"
    }
  ],
  "credit": { "status": "authorization_needed" },
  "created_at": "2026-09-28T01:52:31Z"
}

Show progress and to-dos

Render progress as a track, status_reason under it, and each item in todos as a row with a button that opens its url. The borrower authorizes the credit check on O.J.’s page, so their SSN never touches your servers. The sandbox completes it after 10 seconds.Once the check is done, the referral lists the lenders the business matches:

{
  "status": "prequalified",
  "status_label": "In review",
  "status_reason": "You match 3 lenders. We're preparing your file for them.",
  "matches": [
    { "lender": "Example Capital", "program": "Term loan", "amount_max": 9500000, "term_months": [24, 60], "speed": "Funds in 2 to 3 days", "state": "matched" },
    { "lender": "Example Bank", "program": "SBA 7(a) loan", "amount_max": 15000000, "term_months": [12, 120], "speed": "4 to 6 weeks", "state": "matched" },
    { "lender": "Example Funding", "program": "Line of credit", "amount_max": 7500000, "term_months": [12, 24], "speed": "Funds in 1 to 2 days", "state": "matched" }
  ]
}

Embed renders the same matches for the borrower. If you build your own screen, render the same fields.

Three lenders for Bluebonnet Auto Care: Example Capital term loan up to $95,000, Example Bank SBA 7(a) up to $150,000, Example Funding line of credit up to $75,000 — The intake result in O.J. Embed, rendered from matches.

Follow it to funding

Follow the referral through submission, offers and funding with webhooks or GET /events?referral_id=…. In the sandbox, Bluebonnet funds within about a minute.

curl "https://sandbox.api.meet-oj.com/partner/v0/events?referral_id=ref_1MUKLEHH7" \
  -H "Authorization: Bearer $OJ_TOKEN"

{
  "type": "offer.received",
  "referral_id": "ref_1MUKLEHH7",
  "data": {
    "lender": "Example Capital",
    "product": "term_loan",
    "binding": true,
    "items": [
      { "amount": 8000000, "rate": 12.9, "rate_type": "interest", "term_months": 36, "payment_frequency": "monthly", "number_of_payments": 36, "payment_amount": 269169, "total_payback": 9690084 }
    ],
    "conditions": ["funding_account_auth"]
  }
}

If you’d rather not build any screens, create a session with POST /partner_sessions and send the borrower to the hosted url it returns. See O.J. Embed.

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