> ## Documentation Index > Fetch the complete documentation index at: https://developers.meet-oj.com/llms.txt > Use this file to discover all available pages before exploring further. # Run a match check > Returns the lenders a business would match, from numbers only, without creating a referral. This is how a processor or a bank screens its customer base before approaching anyone. Send structured data under a `reference` of your own, such as a hashed customer id. Do not send a name or an EIN. O.J. stores only an audit line keyed by your reference. No deal is opened, nobody is contacted, and no credit is pulled, so matches that depend on credit use the `credit_band` you send, if any. This endpoint is rate-limited per partner. ## OpenAPI ````yaml /api-reference/openapi.yaml post /match_checks openapi: 3.1.0 info: title: O.J. Agent Development Kit (ADK) version: 0.5.1 summary: >- Send O.J. a business. Get back named lender matches, what's needed, offers and funding status. description: > The O.J. ADK lets platforms with small-business customers offer financing without becoming a lender or a broker. You send a business as a **referral**. O.J. matches it to lender programs, collects documents, submits to lenders and tracks the deal to funding. You earn a share of the commission on every funded loan. Integrate with **O.J. Embed** (drop-in screens), the **REST API** with webhooks, or **MCP** for agents. All three read and write the same referral. Conventions: OAuth 2.0 client credentials, amounts in cents, prefixed ids, cursor pagination, an `Idempotency-Key` on every POST, RFC 9457 errors, and Standard Webhooks signatures. license: name: Proprietary — O.J. partner terms identifier: LicenseRef-OJ-Partner contact: name: O.J. Developer Support email: developers@meet-oj.com servers: - url: https://sandbox.api.meet-oj.com/partner/v0 description: Sandbox - url: https://api.meet-oj.com/partner/v0 description: Production security: - oauth2: [] tags: - name: Referrals description: >- A referral is one business you sent to O.J. Every other resource belongs to a referral. - name: Matches description: >- The lenders a business matches, named, with estimated limits. `POST /match_checks` screens raw numbers without creating a referral. A match is not a credit decision; the lender decides. - name: Documents description: >- Documents O.J. still needs, and uploads by API. Most integrations show the `next_action` button instead. - name: Offers description: >- Offers returned by lenders. Indicative terms computed before a lender replies are marked `binding: false`. - name: Sessions description: >- Create a session to open an O.J. screen: a `client_token` for Embed, or a hosted `url` to redirect to. - name: Events description: >- Every change to a referral is an event, delivered by webhook, streamed over SSE, and kept for 30 days at `GET /events`. - name: Payouts description: >- Your share of the commission on each funded referral. Match rows to your bank statement with `statement_descriptor`. Payout destinations are set during onboarding and cannot be changed by API. - name: Conversation description: >- The message thread between O.J., the borrower and your team on a referral, across every channel. - name: Channels description: >- Channel connectors let O.J. reach your borrowers through channels you own (in-app inbox, SMS, Apple Business Messages, email), in your brand. - name: Policy description: >- Account-level rules: send approval, allowed Embed origins, contact channels, default intent and reminder cadence. - name: Programs description: >- For lenders running a program on O.J.: receive submissions, record decisions and report funding. - name: Webhooks description: >- Register endpoints that receive signed events. Deliveries follow Standard Webhooks. paths: /match_checks: post: tags: - Matches summary: Run a match check description: > Returns the lenders a business would match, from numbers only, without creating a referral. This is how a processor or a bank screens its customer base before approaching anyone. Send structured data under a `reference` of your own, such as a hashed customer id. Do not send a name or an EIN. O.J. stores only an audit line keyed by your reference. No deal is opened, nobody is contacted, and no credit is pulled, so matches that depend on credit use the `credit_band` you send, if any. This endpoint is rate-limited per partner. operationId: createMatchCheck parameters: - $ref: '#/components/parameters/IdempotencyKey' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/MatchCheckCreate' responses: '200': description: Lenders the business would match content: application/json: schema: $ref: '#/components/schemas/MatchCheck' '400': $ref: '#/components/responses/Error' '422': $ref: '#/components/responses/Error' '429': $ref: '#/components/responses/Error' components: parameters: IdempotencyKey: name: Idempotency-Key in: header required: true description: > IETF `Idempotency-Key` semantics (draft-ietf-httpapi-idempotency-key-header). Send a fresh unique value (a UUID) with every new request. A retry with the same key and the same payload returns the original response with the header `Idempotent-Replayed: true`. The same key with a different payload is rejected with 422 and code `idempotency_key_reused`. Keys are kept for 24 hours. schema: type: string maxLength: 255 schemas: MatchCheckCreate: type: object description: > The body for a match check, which screens a business without identifying it. Instead of a name and EIN you send a `reference` — your own merchant id, or a hash of it — that O.J. echoes back and never tries to resolve. Add the ledger months and, if you have them, the state and industry. O.J. learns who the business is only if you refer it with consent. required: - reference - context properties: reference: type: string maxLength: 128 description: Opaque partner-side id or hash. Echoed back; never resolved by O.J. business: type: object description: Optional, identity-free attributes that affect which lenders match. properties: state: type: string pattern: ^[A-Z]{2}$ naics: type: string pattern: ^[0-9]{6}$ industry: type: string formation_date: type: string format: date entity_type: type: string enum: - sole_prop - llc - s_corp - c_corp - partnership - nonprofit contacts: type: array items: $ref: '#/components/schemas/Contact' requested_amount: $ref: '#/components/schemas/Money' product_hint: $ref: '#/components/schemas/Product' context: $ref: '#/components/schemas/Context' MatchCheck: type: object required: - reference - matches - checked_at properties: reference: type: string matches: type: array items: $ref: '#/components/schemas/Match' checked_at: type: string format: date-time Contact: type: object description: > A person at the business. At least one contact is required, and one should be marked `is_primary` — that is who O.J. or the partner will talk to. Lenders also want to know every owner with a 20% or larger stake, so list them with `ownership_pct`. Never send Social Security numbers: O.J. collects them on its own screen when the owner authorizes the credit check. If the owner has told you their score range, or you hold it in your own records, send `credit_band` and O.J. uses it for early matches until the check completes. Never send a score you pulled from a credit bureau. required: - first_name - last_name properties: first_name: type: string last_name: type: string title: type: string email: type: string format: email phone: type: string ownership_pct: type: number minimum: 0 maximum: 100 credit_band: type: string enum: - under_600 - 600_659 - 660_699 - 700_plus - unknown is_primary: type: boolean Money: type: integer description: >- A dollar amount expressed in whole US cents, so $85,000.00 is `8500000`. Cents avoid rounding errors that decimals cause in some languages. Product: type: string description: > A kind of financing. When you pass one as `product_hint`, O.J. still checks every product it can place, but lists the hinted one first. `revenue_based_financing` is repaid as a share of sales; `term_loan` is a fixed amount repaid over a fixed period; `business_line_of_credit` can be drawn and repaid repeatedly; `sba_7a` is a government-guaranteed bank loan; `invoice_factoring` advances money against unpaid invoices; `asset_based_lending` is secured by inventory or equipment; `hard_money_lending` is secured by real estate. enum: - revenue_based_financing - term_loan - business_line_of_credit - sba_7a - invoice_factoring - asset_based_lending - hard_money_lending Context: type: object description: > Everything you already know about the business, in whatever combination you have. The more you send, the more of the matching O.J. can do immediately, before any documents arrive. Figures you report are later checked against the borrower's bank data; if they disagree by more than a small tolerance, an O.J. reviewer looks at the file before it goes to lenders. properties: ledger: type: array maxItems: 24 items: $ref: '#/components/schemas/LedgerMonth' listing: $ref: '#/components/schemas/Listing' bank_connection: type: object description: >- A Plaid processor token issued for O.J. It replaces bank statements. If the Item includes Auth, the borrower can also choose it as the funding account later without connecting again. required: - provider - token properties: provider: type: string enum: - plaid token: type: string writeOnly: true relationship: type: object properties: customer_since: type: string format: date products_used: type: array items: type: string monthly_processing_volume: $ref: '#/components/schemas/Money' notes: type: string maxLength: 2000 description: >- Free text from the partner. Becomes the first line of the deal thread. Match: type: object description: > A lender program the business matches, named from the moment it matches. `amount_max` and `term_months` come from the program's own limits; they are estimates, not offers. `state` follows the program through submission to an offer or a decision. required: - id - lender - product - state properties: id: type: string examples: - mat_01K5X3M1A4 lender: type: string examples: - Example Capital program: type: string examples: - Revenue-based financing product: $ref: '#/components/schemas/Product' amount_max: $ref: '#/components/schemas/Money' term_months: type: array items: type: integer minItems: 2 maxItems: 2 examples: - - 6 - 12 speed: type: string description: How long the lender usually takes to decide, in words. examples: - 1–2 business days state: type: string enum: - matched - submitted - offer - declined - withdrawn Error: type: object description: > RFC 9457 Problem Details, returned as `application/problem+json` with any 4xx or 5xx status. `type` is a URI that identifies the kind of problem and doubles as a link to its documentation; `title` is the short human name for that kind; `status` repeats the HTTP status; `detail` explains this occurrence for a developer; `instance` is the request path. Three extension members: `code`, a stable snake_case reason to branch on; `param`, the offending field when the request was invalid; `request_id`, to quote to support. One code deserves a note: `awaiting_approval` (HTTP 409) is not a failure. It means the action you asked for needs a person at your company to confirm it first, and the referral shows `needs_partner` until they do. required: - type - title - status - code - request_id properties: type: type: string format: uri examples: - https://api.meet-oj.com/problems/duplicate-external-id title: type: string examples: - Referral already exists status: type: integer examples: - 409 detail: type: string examples: - >- A referral with external_id cust_8842 was created on 2026-09-20 as ref_01K5X3K7Q2. instance: type: string examples: - /partner/v0/referrals code: type: string description: >- Stable machine-readable reason. Categories are the prefixes; specific codes follow. examples: - invalid_request - authentication_failed - permission_denied - not_found - duplicate_external_id - business_already_referred - missing_consent - required_documents_missing - idempotency_key_reused - rate_limited - awaiting_approval - internal_error param: type: string description: The field that caused an invalid_request, in dot notation. request_id: type: string examples: - req_01K5X4A9M2 LedgerMonth: type: object description: > One month of money in and out of the business, as recorded by a system you already run: a bank account, a bill-pay product, or a card-processing account. Send as many months as you have, up to 24. For a processor, put card settlements in `sales_deposits`. `nsf_count` is the number of times a payment bounced for insufficient funds that month, which almost every lender program checks. required: - month properties: month: type: string pattern: ^[0-9]{4}-[0-9]{2}$ sales_deposits: $ref: '#/components/schemas/Money' total_inflows: $ref: '#/components/schemas/Money' total_outflows: $ref: '#/components/schemas/Money' average_daily_balance: $ref: '#/components/schemas/Money' ending_balance: $ref: '#/components/schemas/Money' nsf_count: type: integer minimum: 0 chargeback_count: type: integer minimum: 0 description: Processors only. transaction_count: type: integer minimum: 0 Listing: type: object description: > For platforms that list businesses for sale. It carries what a listing already knows about the company being bought, which is most of what an SBA acquisition loan needs. `sde_trailing_12` is seller's discretionary earnings over the last twelve months (profit before the owner's pay and one-off expenses). `buyer_equity_injection_pct` is the share of the price the buyer is putting in as cash. These feed the SBA acquisition rules that took effect on October 1, 2026 (SOP 50 10 8.1): debt-service coverage of at least 1.25 on historical earnings, a 10% injection with limits on where it can come from, and a mandatory quality-of- earnings review when the price is $3M or more. properties: listing_id: type: string description: Your listing id. asking_price: $ref: '#/components/schemas/Money' sde_trailing_12: $ref: '#/components/schemas/Money' ebitda_trailing_12: $ref: '#/components/schemas/Money' revenue_trailing_12: $ref: '#/components/schemas/Money' includes_real_estate: type: boolean real_estate_value: $ref: '#/components/schemas/Money' buyer_equity_injection_pct: type: number minimum: 0 maximum: 100 seller_note_pct: type: number minimum: 0 maximum: 100 buyer_industry_experience_years: type: integer minimum: 0 financials_available: type: array items: $ref: '#/components/schemas/DocumentType' DocumentType: type: string description: >- The kinds of documents O.J. can request or accept. `cim` is a confidential information memorandum, the summary document a business broker prepares for a sale. `quality_of_earnings` is an accountant's review of reported earnings, required by the SBA for acquisitions of $3M or more. `funding_account_auth` is the funding account verified through Plaid; `voided_check` is the fallback when the bank can't be verified. enum: - bank_statement - processing_statement - voided_check - funding_account_auth - tax_return - profit_and_loss - balance_sheet - ar_aging - ap_aging - debt_schedule - business_license - government_id - lease - ownership_document - cim - purchase_agreement - quality_of_earnings - other responses: Error: description: Problem Details (RFC 9457) headers: OJ-Request-Id: $ref: '#/components/headers/RequestId' content: application/problem+json: schema: $ref: '#/components/schemas/Error' headers: RequestId: description: >- Unique id for this request. Quote it to support; it is also in Problem Details as `request_id` and in O.J.'s traces. schema: type: string examples: - req_01K5X4A9M2 securitySchemes: oauth2: type: oauth2 description: >- One client per partner per environment. Access tokens expire after 15 minutes. Scopes are granted per client. Sandbox clients use https://sandbox.api.meet-oj.com/oauth/token. flows: clientCredentials: tokenUrl: https://api.meet-oj.com/oauth/token scopes: referrals:write: Create referrals and upload documents referrals:read: Read referrals, matches, document requests, offers, events match_checks:write: Run identity-free match checks sessions:write: Mint hosted-session links webhooks:manage: Register and list webhook endpoints payouts:read: >- Read payouts (your statement). There is no payouts:write; destinations are managed in hosted onboarding by a person. messages:read: Read a referral's conversation messages:write: >- Send messages into a referral's conversation on behalf of the partner or the borrower channels:manage: Register and remove channel connectors policy:manage: Read and change the partner policy submissions:read: >- For banks running a program. List and read submissions awaiting review submissions:write: For banks running a program. Record decisions and report funding ````