> ## 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.

# Offer received

> A lender made an offer. `data` is the Offer.



## OpenAPI

````yaml /api-reference/openapi.yaml webhook offer.received
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: {}
components:
  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

````