Request Schema

Sales Requests are a Lead-generated file with details on the sale of receivables. While Lead does not sell receivables on non-business days, an empty Sales Request file will still be posted to the SFTP on non-business days.

Lead offers two balance sheet models: Originate-to-Sell (OTS) and On-Sheet Lending (OSL). Under OTS, Lead sells receivables to the partner after the applicable hold period. Under OSL, Lead retains receivables on its own balance sheet through the loan’s terminal status rather than selling them.Sales Request files only contain receivables designated as OTS. If there are no OTS receivables on a given day, the file will be empty.

Ensure that the settlement_amount has been sent to the Operating Account prior to responding via Sales Response.

Field	Description	Required	Data Type
sale_id	Lead-generated ID for sales of balances	Required	string
balance_id	The ID of the balance whose receivables are being sold this day. If there were multiple loans disbursed against the same balance_id, Lead will display this as one entry aggregated by balance_id.	Required	string
start_date	The date when interest accrual starts. This will be settlement_date from the `Transaction` file.	Required	date `YYYY-MM-DD`
sale_date	The date of sale of receivables.	Required	date `YYYY-MM-DD`
funded_amount	Amount funded by Lead.	Optional	number amount in major currency units with up to the currency’s supported decimal precision; trailing zeros are removed
outstanding_principal	The outstanding principal of loan amount reflecting for customer activity on loan.	Required	number amount in major currency units with up to the currency’s supported decimal precision; trailing zeros are removed
settled_transactions_amount	The sum value of transactions (in a settled state) that reduced a receivable’s outstanding principal amount during the seasoning period. For example, any payments or credits that have been made against the receivable and brought down its principal amount would be included.	Required	number amount in major currency units with up to the currency’s supported decimal precision; trailing zeros are removed
imputed_interest_accrued	The net imputed interest charged by Lead during the loan holding period.	Required	number decimal value with up to 6 fractional digits; trailing zeros are removed
settlement_amount	The net amount required to settle with Lead on the sale date for this loan. This is the amount that needs to be transferred prior to responding to Sales Response.	Required	number decimal value with up to 6 fractional digits; trailing zeros are removed
currency	The currency code for the transaction.	Required	ISO4217
generated_at	The day this file is generated. This should always be the date the file is sent to Lead Bank.	Required	datetime ISO8601
effective_at	The timestamp of when the related object(s) were polled to collect the information for this record. This is always set to an end-of-day timestamp on the day before the file’s date. E.g., if a Sales Request file is dated 2025-12-31, this timestamp will be set to `2025-12-30T23:59:59Z`.	Required	datetime ISO8601

Foundations

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