> ## 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. # Record a decision > Records the outcome of your review. An `offer` creates an Offer on the referral in your name, and the borrower accepts it on O.J.'s screen, in the partner's product or on a hosted page. A `decline` records your reasons for O.J.'s records; they are not shown to the partner or the borrower, who sees that you declined and that you will send a notice. O.J. never makes this decision; it only records yours. Adverse-action notices are yours to send. ## OpenAPI ````yaml /api-reference/openapi.yaml post /submissions/{submission_id}/decision 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: /submissions/{submission_id}/decision: post: tags: - Programs summary: Record a decision description: > Records the outcome of your review. An `offer` creates an Offer on the referral in your name, and the borrower accepts it on O.J.'s screen, in the partner's product or on a hosted page. A `decline` records your reasons for O.J.'s records; they are not shown to the partner or the borrower, who sees that you declined and that you will send a notice. O.J. never makes this decision; it only records yours. Adverse-action notices are yours to send. operationId: recordDecision parameters: - name: submission_id in: path description: >- The submission id, from `GET /programs/{program_id}/submissions` or the `submission.awaiting_review` event. required: true schema: type: string - $ref: '#/components/parameters/IdempotencyKey' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/DecisionCreate' responses: '200': description: The submission with the decision recorded content: application/json: schema: $ref: '#/components/schemas/Submission' '400': $ref: '#/components/responses/Error' '409': $ref: '#/components/responses/Error' '422': $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: DecisionCreate: type: object description: >- Your decision on a submission. For an `offer`, give the terms. O.J. creates the Offer and asks the borrower to accept it. For a `decline`, give your reasons, tied to your program's rules where they apply. They are kept for O.J.'s records and not shown to the partner or the borrower. required: - outcome properties: outcome: type: string enum: - offer - decline offer: type: object properties: items: type: array items: $ref: '#/components/schemas/OfferItem' conditions: type: array items: $ref: '#/components/schemas/DocumentType' expires_at: type: string format: date-time reasons: type: array items: type: object required: - reason properties: gate_key: type: string examples: - min_dscr reason: type: string examples: - >- Historical DSCR 1.18 after our adjustment for the one-time deposit in March decided_by: type: string description: The reviewer, for the audit record. note: type: string maxLength: 1000 Submission: type: object description: > A referral that O.J. has submitted to your program, with the package your reviewer needs. `package` links to every document, the calculations and the evidence receipts, and names the rules version the file was checked against. `hosted_review_url` is a page where a reviewer can read the package and record the decision without any integration. `status` moves from `awaiting_review` to `offer` or `declined`, and then to `funded` when you report funding. required: - id - referral_id - program_id - status - submitted_at properties: id: type: string examples: - sub_01K5X9E5F6 object: type: string const: submission referral_id: type: string program_id: type: string status: type: string enum: - awaiting_review - offer - declined - withdrawn - funded business: type: object properties: legal_name: type: string city: type: string state: type: string requested_amount: $ref: '#/components/schemas/Money' package: type: object properties: fit_id: type: string description: >- The rule-by-rule check the package was built from. It is in the package, for the program's reviewer only. playbook_version: type: integer documents: type: array items: type: object properties: document_id: type: string type: $ref: '#/components/schemas/DocumentType' period: type: string url: type: string format: uri receipts_url: type: string format: uri description: Every metric with its evidence receipt, as one page. human_review: type: boolean description: >- True if O.J.'s reviewer resolved a conflict between sources. The receipt shows what was decided. hosted_review_url: type: string format: uri description: >- For your reviewer. A magic link that expires and is renewed on each read. decision: type: object properties: outcome: type: string enum: - offer - decline offer_id: type: string reasons: type: array items: type: object properties: gate_key: type: string reason: type: string decided_by: type: string decided_at: type: string format: date-time funded: type: object properties: amount: $ref: '#/components/schemas/Money' funded_at: type: string format: date-time lender_loan_id: type: string submitted_at: type: string format: date-time updated_at: type: string format: date-time OfferItem: type: object description: > One set of terms inside an offer; most offers have one item, some lenders send two or three options. `rate` is read with `rate_type`: an `interest` rate is an annual percentage (11.5 means 11.5%), while a `factor` rate is a multiplier on the amount (1.28 means the business repays $1.28 for every $1.00 advanced), which is how revenue-based financing is priced. `total_payback` is the full amount the business will repay. required: - amount - rate - rate_type - term_months - payment_frequency properties: amount: $ref: '#/components/schemas/Money' rate: type: number description: Interest rate (e.g. 11.5) or factor (e.g. 1.28) per rate_type. rate_type: type: string enum: - interest - factor term_months: type: integer payment_frequency: type: string enum: - daily - weekly - monthly number_of_payments: type: integer payment_amount: $ref: '#/components/schemas/Money' total_payback: $ref: '#/components/schemas/Money' origination_fee: $ref: '#/components/schemas/Money' notes: type: string 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 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. 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 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 ````