curl --request POST \
  --url https://api.sandbox.lead.bank/v0/applications \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "client_application_id": "APP-2024-001",
  "status": "approved",
  "entities": {
    "account_holder_type": "commercial",
    "account_holders": [
      "entity_123456789"
    ],
    "authorized_signers": [
      "entity_987654321"
    ]
  },
  "details": {
    "product_name": "Growth Business Credit Line",
    "credit": {
      "is_secured": true,
      "is_mla": false,
      "currency": "USD",
      "underwriting_grade": "99",
      "limit": 5000000,
      "max_limit": 10000000,
      "report": {
        "score": 780,
        "pulled_at": "2025-11-15T09:30:00Z",
        "source": "experian"
      }
    }
  },
  "decision": {
    "decided_at": "2025-11-17T14:00:00Z",
    "reason": "Approved based on strong cash flow and collateral.",
    "exception_approval_reason": "Manual override of automated debt-to-income threshold."
  },
  "documents": [
    {
      "document_id": "doc_consent_001",
      "type": "credit_pull_consent",
      "consented_at": "2025-11-15T09:00:00Z"
    }
  ]
}
'

{
  "id": "application_xyz123",
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z",
  "status": "approved",
  "entities": {
    "account_holder_type": "commercial",
    "account_holders": [
      "entity_xyz123"
    ],
    "authorized_signers": [
      "entity_xyz123"
    ]
  },
  "details": {
    "product_name": "Growth Business Credit Line",
    "credit": {
      "is_secured": true,
      "is_mla": true,
      "currency": "AED",
      "underwriting_grade": "99",
      "limit": 5000000,
      "max_limit": 10000000,
      "report": {
        "score": 575,
        "pulled_at": "2023-11-07T05:31:56Z",
        "source": "equifax"
      }
    },
    "adverse_action_notice": {
      "delivered_at": "2023-11-07T05:31:56Z",
      "reason": "<string>",
      "delivery_method": "email"
    }
  },
  "decision": {
    "decided_at": "2023-11-07T05:31:56Z",
    "reason": "<string>",
    "exception_approval_reason": "<string>"
  },
  "documents": [
    {
      "document_id": "document_2N5Hk8xYmQpL9rBvC3jD",
      "type": "aan",
      "displayed_at": "2023-11-07T05:31:56Z",
      "consented_at": "2023-11-07T05:31:56Z",
      "version": "v1"
    }
  ],
  "metadata": {}
}