This file is generated by you and outlines the acceptance or rejection of the Sales Request file.
Ensure that the settlement_amount has been sent to the Operating Account prior to responding via Sales Response.
For all optional fields where you do not plan to pass through data, please include the header and an empty value.
Schema
| Field | Description | Required | Data Type |
|---|
| sale_id | Lead-generated ID for sales of balances | Required | string |
| purchasing_entity | The legal name of the entity purchasing this receivable | Optional | string |
| response | enum
accepted
rejected | Required | enum
accepted
rejected |
| reject_reason | Description for rejection of the sale. | Required if response = rejected | string |
| 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. | Required | datetime
ISO8601 |
Sandbox Behavior
In the first few days of Sandbox testing where you first begin creating loans, all loans will be within the “hold period” (i.e., still owned by Lead), meaning there will be no loans to be sold from Lead to you.
During this period, Lead’s Sandbox environment generates empty Sales Request Files and posts them to your SFTP folder, beginning on Day 0. This facilitates testing of the end-to-end process. You are expected to send empty Sales Response Files during this period, also beginning on Day 0.
This process continues until the hold period of the first loan(s) that you created ends, and a true “sale” is ready to be made from Lead to you, meaning the Sales Request File is populated with a loan record. If the first loan(s) created is on Day 1, then this typically occurs on Day 4.
For any subsequent days where the Loan Sales Request is empty (e.g., no loans were created in preceding days), you should continue to send empty Sales Response Files to complete the end-to-end Sandbox testing workflow.
