Add loan documents
Use this call to:
- Post loan documents
- Add loan documents upon Cross River request
Request URL : https:// ... /Loan/{Id}/Attachments
To add attachments:
- Zip all the relevant documents
- You can send multiple zip files
- Zip max size is set at 120 MB
- Files within the zip folder have to follow the naming convention
- Name the file with the {Arix GUID}.zip
- POST the documents
IMPORTANT The status of a loan remains Received until all the required documents are received by Arix. No webhook is sent to report that docs are incomplete.
The naming convention requires that the end of a file name (before the file extension), ends with a dash (-) followed by a document-type code.
Example
- Loan agreement {JoesCreditReport}-LA.pdf
- Social Security card {JoesCreditReport}-SC.pdf
Type | Suffix |
|---|---|
Certificate of Citizenship | -CertificateCitizenship |
Court approved name change | -NameChangeCert |
Credit card *As a secondary form of ID only | -CC |
Credit report | -CR |
Debit card * As a secondary form of ID only | -DC |
Drivers license | -DL |
Insurance card | -InsuranceCard |
Marriage Certificate | -MarriageCert |
Military ID | -MilitaryID |
Miscellaneous ID documents | -MID |
Passport | -PP |
Permanent resident card | -RC |
Proof of address jpeg, jpg, png or pdf provided as POA | -POA  |
Rental lease agreement | -LeaseAgreement |
Selfie Used to verify the ID | -SLF |
Social Security card *As a secondary form of ID only | -SC |
State Issued ID | -SID |
Utility Bill | -UtilityBill |
Work visa | -WorkVisa |
Type | Suffix |
|---|---|
Bankruptcy Watch | -BankruptcyWatch |
Credit memo | -CreditMemo |
Credit report | -CR |
Credit report (hard pull) | -CR_HP |
Credit report (soft pull) | -CR-SP |
Credit report( MLA) | -MLA |
Experian Instant Prescreen | -EXPInstantPrescreen |
Pagaya credit model | -CRM_PGY |
Scienaptic.ai credit decisioning | -Scienaptic |
Underwriting Checklist | -UWChecklist |
Type | Suffix |
|---|---|
Adverse Action Notice | -AAN.pdf |
Credit Score Disclosure Notice | -CreditScoreDisclosure |
Loan agreement | -LA.pdf (Contains Truth in Lending agreement and Promissory Note) |
Loan Application | -LApp |
Loan Transition Letter | LoanTransition.pdf |
Miscellaneous loan documents | -MiscLoanDocs |
Notice of Incompleteness | -NOI.pdf |
Preauthorized Transfer  | -PreAuthTrn (for customer facing authorization requests) |
Promissory note | -PN.pdf |
Truth in Lending agreement | -TL.pdf |
Type | Suffix |
|---|---|
Additional pay stub | -PayStubAdditional |
Bank statement | -BS |
Bank transaction history | -BankTransactionHistory |
Business Tax Return | -BusinessTR |
Credit card balances | -CreditCardBalances |
Credit card statement | -CreditCardStatement |
Form 1099 | -MI |
Customer's payment history | -CustomerPayments History |
Form W2 | -W2 |
Pay stub | -PS |
Pension/retirement benefit statement | -RS |
Plaid Assets | -PlaidAssets |
Plaid Income Verification | -PlaidIncome |
Point Predictive Income Validation | -PointPredicitveIncome |
Previous pay stub | -PayStubPrevious |
Social Security Award letter (SSA) | -SS |
Tax lien release | -TaxLienRelease |
Personal Tax Return | -TR |
The Work Number Suffix | -TWN |
Truv Income and employment | -truvi |
Various income verification documents | -IV |
Type | Suffix |
|---|---|
Call Center call Log | -CallLog |
Carta Borrower Stock Ownership | -CartaBorrowerStockOwnership |
Carta Secured Collateral | -CartaSecuredCollateral |
Education-related documents | -ED |
Voided check | -VC |
Type | Suffix |
|---|---|
Alloy Identity Decisioning Platform | -ALY |
Bureau Van Dyke - Review | -BVDReview |
Clarity | -CTY |
Cognito Identity Verification and Watchlist Screening | -CGNTIDWS |
Comply Advantage | -CmplyAdvt |
DecisionLogic Income Verification | -DcsnLgcIV |
Ekata account opening | -EkataAccount |
Equifax eID | -EID |
Experian PreciseID | -PID |
GBG PLC Identity Data Verification | -GBGDataVerification |
GIACT | -GCT |
GIACT gAuthenticate | -GAuth |
GIACT gIndentity | -GI |
GIACT gVerify | -GV |
idiCORE | -idiCORE |
Inscribe fraud document detection | -Inscribe |
LexisNexis | -LN |
LexisNexis Emailage | -LNEmail |
LexisNexis Fraud Intelligence | -LNFraudIntel |
LexisNexis FraudPoint | -LNF |
LexisNexis InstantID | -LNI |
LexisNexis OFAC | -LNO |
LexisNexis RiskView Credit Solutions | -LNRiskView |
LexisNexis Small Business Credit Report with SBFE Data | -LNSmallBusinessCRSBFE |
Middesk Verification | -MiddeskVerfication |
Onfido Facial Similarity | -OFS |
PassFort | -PassFort |
Persona Verifications | -Persona |
PinWheel Employment Verification | -PEV |
Plaid Auth Bank Accounts | -PlaidAuth |
Prove Trust Score | -ProveTrustScore |
SentiLink eCSBV service | -eCBSV |
SentiLink Synthetic-Fraud-Scores | -SNTLF |
Socure | -SO |
Thomson Reuters Clear ID | -TRCID |
TransUnion TLO | -TLO |
TransUnion IDVision | -IDV |
TransUnion TruValidate | -TVAL |
Yodlee | -YOD |

Name | Type | Description |
|---|---|---|
Id GUID | Path | Unique identifier of the loan |
File file | formData | Zip file |

- For multiple types of any single document listed above, add the numerical value to the name. Example: For multiple paystubs (PS): 179317-PS1 and 179317-PS2
- You can submit an additional 99 files as needed for underwriting, by following the convention, F1 - F99.
- If you want to submit an --F3 file, notify CR ahead of time so we can identify F3 as a security video. Example: MyRandomFile-F3.mov
This table displays information on the documents received for the loan.
Attribute | Description |
|---|---|
MPLId string | ID of the MPL |
LoanId GUID | Unique identifier for the loan |
FilePath | Path for retrieving the document. Special permissions needed. |
FileName | Name of the file sent |
Date | Date the file was received |
FileOverwritten | If the original file was overwritten by another file, then the value will be 1 |
IssuingBankId string | ID of the issuing bank |
A loan stays in Received for these reasons:
- The file wasn't named correctly based on regex verification
- Some or all required documents weren't received
- There was a problem unzipping the files. If a file is corrupt, Arix won't be able to unzip it. Fix it and resend a POST with the attachments.
To confirm the document status for a loan, call GetLoanDetail and use these collections:
- RequiredDocs - to see which documents are required for a loan and if they were received.
- Attachments- to see which documents were received by Arix
You can add documents if a loan is in one of the statuses below. If a document is sent after the loan is funded, Arix will store it, but it won't parse it or run it through compliance.
Status | Description |
|---|---|
1 | Received |
2 | DocsComplete |
3 | PassedCompliance |
4 | Approved |
11 | AwaitingFunding |
101 | ComplianceFailed |