> ## Documentation Index > Fetch the complete documentation index at: https://docs.nextlevelmca.com/llms.txt > Use this file to discover all available pages before exploring further. # List advances > Funded advances, newest first, with paid-in percentage and renewal readiness. `renewal_ready=true` returns advances whose `percent_paid` reached the renewal threshold (location default, or the advance’s override) and that are not paid off — the renewal call list. Filter by `status`, `lender_id` or `business_id`. ## OpenAPI ````yaml /openapi/public-v1.json get /v1/advances openapi: 3.0.0 info: title: NextLevel MCA Public API description: >- REST API for the NextLevel MCA deal platform. Objects flow Businesses → People → Deals → Submissions → Offers → Advances. **Authentication.** Send `Authorization: Bearer ` with an API key (`nlmca_live_…`, created in Settings → Developers) or an OAuth access token. Keys are scoped to one location. **Conventions.** JSON only. Cursor pagination (`limit` ≤ 100, `cursor` from `meta.next_cursor`). Every success is `{ data, meta }`; every error is `{ error: { type, message, code, param, request_id } }`. POST endpoints accept `Idempotency-Key` (24h replay). Rate limit 300 requests/min per credential (`X-RateLimit-*` headers). **Scopes.** Keys with no scopes have all of them. Otherwise: - `businesses:read` — Read businesses and their notes, tasks and activity - `businesses:write` — Create and update businesses, notes and tasks - `people:read` — Read people (contacts and owners) - `people:write` — Create and update people - `deals:read` — Read deals, submissions and the pipeline - `deals:write` — Create and update deals, move stages - `documents:read` — Read documents and statement analysis - `documents:write` — Upload documents and request documents from merchants - `lenders:read` — Read lenders, criteria and lender matches - `lenders:write` — Create and update lenders and criteria - `submissions:write` — Submit deals to lenders and withdraw submissions - `offers:read` — Read offers - `offers:write` — Log and update offers, set the primary offer - `advances:read` — Read funded advances and renewal flags - `advances:write` — Update advances - `portal:send` — Generate and send merchant portal links - `webhooks:manage` — Manage webhook subscriptions version: '1.0' contact: {} servers: - url: https://api.nextlevelmca.com description: Production security: - bearer: [] tags: - name: Businesses description: Merchant businesses and their notes, tasks and activity - name: People description: Contacts and owners. Phone lookups normalise to E.164. - name: Deals description: Deals, stage moves, renewals and the pipeline - name: Documents description: Documents, presigned uploads, document requests and statement analysis - name: Lenders description: Lenders and their criteria - name: Lender matches description: Criteria-driven lender matching for a deal - name: Submissions description: Sending deals to lenders - name: Offers description: Lender offers and the primary offer - name: Advances description: Funded advances and renewal readiness - name: Merchant portal description: Magic links for the merchant portal - name: Webhooks description: Outbound event subscriptions paths: /v1/advances: get: tags: - Advances summary: List advances description: >- Funded advances, newest first, with paid-in percentage and renewal readiness. `renewal_ready=true` returns advances whose `percent_paid` reached the renewal threshold (location default, or the advance’s override) and that are not paid off — the renewal call list. Filter by `status`, `lender_id` or `business_id`. operationId: advances_list parameters: - name: limit required: false in: query description: Page size (1–100). schema: minimum: 1 maximum: 100 default: 25 type: number - name: cursor required: false in: query description: Opaque cursor from a previous response’s `meta.next_cursor`. schema: type: string - name: status required: false in: query description: Only advances with this status. schema: type: string enum: - on-track - missed-payments - defaulted - paid-off - name: lender_id required: false in: query description: Only advances funded by this lender. schema: type: string - name: business_id required: false in: query description: Only advances on deals of this business. schema: type: string - name: renewal_ready required: false in: query description: >- `true` = only advances whose paid-in percentage has reached the renewal threshold (location default or per-advance override) and that are not paid off. `false` = the rest. schema: type: boolean responses: '200': description: OK content: application/json: schema: type: object required: - data - meta properties: data: type: array items: $ref: '#/components/schemas/AdvanceDto' meta: $ref: '#/components/schemas/ListMetaDto' '400': description: Validation failed. `error.param` names the field. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' '401': description: Missing, invalid, expired or revoked credential. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' '403': description: Credential lacks the scope, or the role lacks the permission. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' '429': description: Rate limit exceeded. See `X-RateLimit-*` and `Retry-After`. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelopeDto' security: - bearer: [] components: schemas: AdvanceDto: type: object properties: id: type: string description: Advance id. deal_id: type: string description: Deal that was funded. business_id: type: string nullable: true description: Business on the deal. business_name: type: string nullable: true description: Business name at read time. lender_id: type: string description: Funding lender. lender_name: type: string nullable: true description: Lender name at read time. offer_id: type: string nullable: true description: Offer the advance was funded from. status: type: string enum: - on-track - missed-payments - defaulted - paid-off description: Repayment status. funded_amount: type: number description: Amount funded, USD. factor_rate: type: number nullable: true description: Factor rate. term: type: number nullable: true description: Term length (months unless the offer said otherwise). payment_frequency: type: string nullable: true enum: - daily - weekly - bi-weekly - monthly description: Payment cadence. payment_amount: type: number nullable: true description: Amount per payment. payback_amount: type: number description: Total payback, USD. paid_amount: type: number description: Paid so far, USD. remaining_balance: type: number nullable: true description: payback_amount − paid_amount. percent_paid: type: number description: paid_amount / payback_amount × 100, one decimal. payments_made: type: number nullable: true description: Payments made so far. payments_expected: type: number nullable: true description: Payments expected over the term. position: type: number nullable: true description: Position (1 = first). renewal_ready: type: boolean description: >- True when `percent_paid` ≥ `renewal_threshold` and the advance is not paid off. renewal_threshold: type: number description: >- Renewal threshold in effect (per-advance override, else the location default). renewal_threshold_override: type: number nullable: true description: Per-advance override of the renewal threshold, if set. funded_at: type: string description: When the advance was funded (ISO 8601). first_payment_date: type: string nullable: true description: First payment date (`YYYY-MM-DD`). expected_payoff_date: type: string nullable: true description: Expected payoff date (`YYYY-MM-DD`). actual_payoff_date: type: string nullable: true description: Actual payoff date (`YYYY-MM-DD`). created_at: type: string description: Creation time (ISO 8601). updated_at: type: string nullable: true description: Last update time (ISO 8601). required: - id - deal_id - business_id - business_name - lender_id - lender_name - offer_id - status - funded_amount - factor_rate - term - payment_frequency - payment_amount - payback_amount - paid_amount - remaining_balance - percent_paid - payments_made - payments_expected - position - renewal_ready - renewal_threshold - renewal_threshold_override - funded_at - first_payment_date - expected_payoff_date - actual_payoff_date - created_at - updated_at ListMetaDto: type: object properties: next_cursor: type: string nullable: true description: Pass as `?cursor=` to fetch the next page. `null` on the last page. has_more: type: boolean required: - next_cursor - has_more ErrorEnvelopeDto: type: object properties: error: $ref: '#/components/schemas/PublicErrorDto' required: - error PublicErrorDto: type: object properties: type: type: string enum: - validation_error - authentication_error - permission_error - not_found - conflict - rate_limit_error - api_error message: type: string description: Human-readable explanation, safe to show to an operator or an agent. code: type: string description: >- Stable machine-readable code, e.g. `missing_scope`, `duplicate_business`. param: type: string description: Request field the error refers to, when applicable. request_id: type: string description: Echo of the `X-Request-Id` header. Quote it when contacting support. required: - type - message - request_id securitySchemes: bearer: scheme: bearer bearerFormat: API key or JWT type: http description: API key (`nlmca_live_…`) or OAuth access token ```` ## Related topics - [List businesses](/api-reference/businesses/list-businesses.md) - [List lenders](/api-reference/lenders/list-lenders.md) - [List deals](/api-reference/deals/list-deals.md)