# The Financing offer object

### The Financing offer object

```json
{
  "id": "financingoffer_1NPvKg2eZvKYlo2CnEEmlCVh",
  "object": "capital.financing_offer",
  "account": "acct_1NPvKgBY65lDjjDk",
  "created": 1688423699,
  "expires_after": 1690934400,
  "financing_type": "flex_loan",
  "livemode": true,
  "offered_terms": {
    "advance_amount": 10000,
    "campaign_type": "newly_eligible_user",
    "currency": "usd",
    "fee_amount": 1000,
    "previous_financing_fee_discount_rate": null,
    "withhold_rate": 0.05
  },
  "product_type": "standard",
  "status": "undelivered"
}
```

## Attributes

- `id` (string)
  A unique identifier for the financing object.

- `object` (string)
  The object type: financing_offer.

- [`accepted_terms`](https://docs.stripe.com/api/capital/connect_financing_object.md?query=accepted_terms) (object, nullable)
  Information about the current financing object. Describes currency, advance amount, fee amount, withhold rate, and fee discount of previous financing.

- `account` (string)
  The ID of the merchant associated with this financing object.

- `charged_off_at` (timestamp, nullable)
  The time at which this financing offer was charged off, if applicable. Given in seconds since unix epoch.

- `created` (integer)
  Time at which the offer was created. Given in seconds since unix epoch.

- `disclaimer_variant` (enum, nullable)
  The type of disclaimer to use for a financing offer in user-facing surfaces. The corresponding disclaimer text to use for each disclaimer_variant value can be found in the [marketing docs](https://docs.stripe.com/capital/marketing.md).
Possible enum values:
  - `celtic_us_loan`
    Capital’s Loan offers, issued by Celtic Bank in the US.

  - `fundbox_au_financing`
    Capital financing offer provided by FundBox in Australia.

  - `youlend_de_financing`
    Capital financing offer provided by YouLend in Germany.

  - `youlend_fr_financing`
    Capital financing offer provided by YouLend in France.

  - `youlend_uk_mca`
    Capital offer provided by YouLend in the UK. The underlying financing may be a loan or a merchant cash advance.

  - `youlend_us_mca`
    Capital offer provided by YouLend in the US.

- `expires_after` (number)
  Time at which the offer expires. Given in seconds since unix epoch.

- [`financing_application`](https://docs.stripe.com/api/capital/connect_financing_object.md?query=financing_application) (object, nullable)
  Hash containing details about the financing application associated with the offer.

- `financing_type` (enum, nullable)
  The type of financing being offered.
Possible enum values:
  - `cash_advance`
    Capital’s Merchant Cash Advance program.

  - `fixed_term_loan`
    Capital’s fixed-term loan offering. See the [integration guide](https://docs.stripe.com/capital/how-capital-for-platforms-works.md#types-of-financing-offers) for more information.

  - `flex_loan`
    Capital’s flex loan offering. See the [integration guide](https://docs.stripe.com/capital/how-capital-for-platforms-works.md#types-of-financing-offers) for more information.

- `livemode` (boolean)
  If the object exists in live mode, the value is `true`. If the object exists in test mode, the value is `false`.

- `metadata` (map, nullable)
  Set of [key-value pairs](https://docs.stripe.com/api/metadata.md) that you can attach to an object. This can be useful for storing additional information about the object in a structured format.

- [`offered_terms`](https://docs.stripe.com/api/capital/connect_financing_object.md?query=offered_terms) (object, nullable)
  Information about the financing offer. Describes currency, offered advance amount, offered fee amount, campaign type, withhold rate, and fee discount rate of previous financing.

- `product_type` (enum, nullable)
  Financing product identifier.
Possible enum values:
  - `refill`
    A “refill” financing offer extended through Stripe Capital. Refills are a form of discounted refinancing. See the [integration guide](https://docs.stripe.com/capital/refills.md) for more information.

  - `standard`
    A standard financing offer extended through Stripe Capital.

- `replacement` (string, nullable)
  The ID of the financing offer that replaced this offer.

- `replacement_for` (string, nullable)
  The ID of the financing offer that this offer is a replacement for.

- `status` (enum)
  The current status of the offer.
Possible enum values:
  - `accepted`
    Set once an offer has been accepted by the Connected account.

  - `canceled`
    Set when the Connected account has reached out to Capital’s servicing team within 48 hours of acceptance and requested cancellation of their offer.

  - `completed`
    Set when the financing offer has fully repaid. This status is no longer in use. See `fully_repaid` instead.

  - `delivered`
    Once an offer has been delivered, mark it so using the [mark_delivered](https://docs.stripe.com/api/capital/financing_offers/mark_delivered.md) endpoint.

  - `expired`
    Set when the financing offer has expired, usually 30 days after creation.

  - `fully_repaid`
    Set when the financing offer has been fully repaid.

  - `paid_out`
    Set once an offer has been paid out to the Connected account.

  - `rejected`
    Set when Capital’s servicing team has rejected the application for financing. The Connected account receives an email with the reason for rejection.

  - `replaced`
    Set when the financing offer has been replaced.

  - `undelivered`
    All offers begin in this state. A financing offer must be delivered to its Connected account using approved marketing materials.

- [`status_transitions`](https://docs.stripe.com/api/capital/connect_financing_object.md?query=status_transitions) (object)
  Hash containing timestamps of when the offer transitioned to a particular status.

- `type` (enum, nullable)
  See [financing_type](https://docs.stripe.com/api/capital/connect_financing_object.md#financing_offer_object-financing_type).
Possible enum values:
  - `cash_advance`
  - `fixed_term_loan`
  - `flex_loan`