> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.

# Program Files

> Understand which files and APIs you'll use to support your program.

## **Steps To Determine Relevant Files For Your Program**

To determine relevant files or APIs for your program, combine the following:

### `Relevant Files` from one of `Product Type` and...

* `Credit`: Includes term loans, line of credit, credit or charge card (secured or unsecured). Submit underwriting decisions through the [Applications API](/api-integrations/applications/overview) and create accounts through the [Accounts API](/api-integrations/accounts/overview).
* `Deposit`: Includes deposit accounts, debit card or prepaid card (secured or unsecured). Create accounts through the [Accounts API](/api-integrations/accounts/overview).

  <Warning>
    If you are using virtual account numbers, you must use [Entity API](/api-reference/endpoint/entity/create-an-entity) to submit entity information.
  </Warning>

### `Relevant Files` from one of `Account Holder Type` and...

* Report end customers through the [Entity API](/api-integrations/entity/overview). For `commercial` or mixed `commercial and consumer` programs, also report their entity relationships.

### `Relevant Files` or `API` from any of `Disbursement Type`

1. For card programs, we will receive information on `Card` from you and `Network Settlement` from your Issuing Processor
2. For outgoing bank transfers, either `ACH` or `Wire` are supported through API or `ACH` via Nacha files

For incoming bank transfers, we support incoming `ACH` and `Wire` transfers

<img src="https://mintcdn.com/lead/xIgp8PZ3ECTtP05D/images/relevant-files-diagram.png?fit=max&auto=format&n=xIgp8PZ3ECTtP05D&q=85&s=f99ede1c489b31a9c3b165ace31cc698" alt="Diagram of the relevant files for different program types such as credit or debit or both." width="2632" height="1492" data-path="images/relevant-files-diagram.png" />

<sub>1. This will be relevant for credit products utilizing incoming ACH for disbursements and funds need to be funded in accounts real-time prior to scheduled ACH.</sub>\
<sub>2. This will be relevant for secured debit or credit products to notify Lead of details on the collateral for reconciliation and bank oversight.</sub>\
<sub>3. If you are using virtual account numbers, you must use the </sub>[<sub>Entity API</sub>](/api-reference/endpoint/entity/create-an-entity)<sub> to submit entity information.</sub>

## File Submission FAQs

<AccordionGroup>
  <Accordion title="Can files be submitted multiple times a day?" icon="info-circle">
    Only entity files can be submitted multiple times a day. All other files are processed once per day.
  </Accordion>

  <Accordion title="What do I upload if there are no updates for the day?" icon="info-circle">
    Submit an empty file for a day when there are no updates. This will allow your files to stay up to date.
  </Accordion>

  <Accordion title="What time are the daily files due?" icon="info-circle">
    We require files on a daily basis with every calendar day’s files sent before 6:00 a.m. CT the following business day (T+1).
  </Accordion>
</AccordionGroup>

## Daily Files Delivered by Lead

* [Activity Report](/file-integrations/reporting/daily-activity)
* [Balance Report](/file-integrations/reporting/daily-balance)
* [ACH Settlement Cash Reconciliation Report ](/file-integrations/reporting/ach-cash-reconciliation)(for programs with ACH activity)
* [Sales Request File ](/file-integrations/sales-request-and-response/request-schema)(credit-based programs)