> ## 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. # Replace lender criteria > Full replace. `criteria` overwrites every structured key (omitted keys are cleared; blank and `false` values are dropped); `extra_rules` replaces all extra rules (omit or send `[]` to clear); `products` only changes when sent. Read the current block first if you want to change one key. The change is written to the lender’s activity log. ## OpenAPI ````yaml /openapi/public-v1.json put /v1/lenders/{id}/criteria 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/lenders/{id}/criteria: put: tags: - Lenders summary: Replace lender criteria description: >- Full replace. `criteria` overwrites every structured key (omitted keys are cleared; blank and `false` values are dropped); `extra_rules` replaces all extra rules (omit or send `[]` to clear); `products` only changes when sent. Read the current block first if you want to change one key. The change is written to the lender’s activity log. operationId: lenders_putCriteria parameters: - name: id required: true in: path description: Lender id schema: type: string requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/UpdateLenderCriteriaDto' responses: '200': description: OK content: application/json: schema: type: object required: - data - meta properties: data: $ref: '#/components/schemas/LenderCriteriaDto' meta: $ref: '#/components/schemas/EmptyMetaDto' '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' '404': description: Resource not found in this location. 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: UpdateLenderCriteriaDto: type: object properties: criteria: description: >- Full replacement of the structured criteria. Keys you omit are cleared. Send `{}` to clear everything. allOf: - $ref: '#/components/schemas/LenderCriteriaFieldsDto' products: description: Products the lender writes. Unchanged when omitted. allOf: - $ref: '#/components/schemas/LenderProductsDto' extra_rules: description: >- Full replacement of the extra rules. Omit or send `[]` to remove them all. type: array items: $ref: '#/components/schemas/LenderExtraRuleDto' required: - criteria LenderCriteriaDto: type: object properties: criteria: description: Structured criteria. Only keys that are set are returned. allOf: - $ref: '#/components/schemas/LenderCriteriaFieldsDto' products: description: Products the lender writes. allOf: - $ref: '#/components/schemas/LenderProductsDto' extra_rules: description: Rules outside the structured schema. type: array items: $ref: '#/components/schemas/LenderExtraRuleDto' updated_at: type: string nullable: true description: When criteria were last changed (ISO 8601). required: - criteria - products - extra_rules - updated_at EmptyMetaDto: type: object properties: {} ErrorEnvelopeDto: type: object properties: error: $ref: '#/components/schemas/PublicErrorDto' required: - error LenderCriteriaFieldsDto: type: object properties: min_tib: type: number description: Minimum time in business, months. min_monthly_revenue: type: number description: Minimum average monthly gross deposits, USD. min_deposits: type: number description: Minimum deposit count per month. min_avg_balance: type: number description: Minimum average daily balance, USD. industries: description: >- Industry allow-list. Empty = all industries except `prohibited_industries`. type: array items: type: string prohibited_industries: description: Industries that are never eligible. type: array items: type: string prohibited_states: description: Two-letter state codes that are never eligible. type: array items: type: string min_credit_score: type: number description: Minimum primary guarantor FICO. credit_score_range: type: string enum: - any - 500-579 - 580-669 - 670-739 - 740+ description: Credit score band used for paper-grade routing. min_positions: type: number description: Minimum number of existing positions. max_positions: type: number description: Maximum number of existing positions. max_nsf_days: type: number description: Maximum NSF occurrences in the statement period. max_negative_days: type: number description: Maximum negative-balance days in the statement period. funds_defaults: type: boolean description: Considers merchants with a prior MCA default. funds_reversals: type: boolean description: Considers merchants with recent ACH reversals. no_recovery_activity: type: boolean description: Requires no recovery / collection activity on statements. min_funding_amount: type: number description: Minimum funding amount, USD. max_funding_amount: type: number description: Maximum funding amount, USD. term: type: number description: Typical term, months. lowest_days: type: number description: Shortest payback window, days. highest_days: type: number description: Longest payback window, days. pay_daily: type: boolean description: Offers daily payments. pay_weekly: type: boolean description: Offers weekly payments. pay_biweekly: type: boolean description: Offers bi-weekly payments. pay_monthly: type: boolean description: Offers monthly payments. LenderProductsDto: type: object properties: mca: type: boolean description: Writes merchant cash advances. term_loan: type: boolean description: Writes term loans. loc: type: boolean description: Writes lines of credit. equipment: type: boolean description: Writes equipment financing. factoring: type: boolean description: Writes invoice factoring. LenderExtraRuleDto: type: object properties: field: type: string description: >- Deal field the rule checks, e.g. `min_franchise_years`, `sole_prop_allowed`, `bankruptcy_lookback`, `requires_pg`, `seasonal_ok`. maxLength: 100 operator: type: string enum: - gte - lte - eq - neq - in - not_in description: Comparison operator. value: type: string description: >- Value as text. Numbers and `true`/`false` are typed automatically; use comma-separated values with `in` / `not_in`. maxLength: 1000 display_label: type: string description: Label shown in match explanations. maxLength: 255 required: - field - operator - value 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 - [Get lender criteria](/api-reference/lenders/get-lender-criteria.md) - [Update a lender](/api-reference/lenders/update-a-lender.md) - [Create a lender](/api-reference/lenders/create-a-lender.md)