> ## 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. # Create a person > Creates a person and, when `business_id` is given, links them to that business with `role` / `ownership_percent`. A matching email or phone answers 409 `duplicate_person` with `existing_id` unless `?force=true`. `ssn` is encrypted at rest and never returned. The CRM contact mirror is created in the background. ## OpenAPI ````yaml /openapi/public-v1.json post /v1/people 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/people: post: tags: - People summary: Create a person description: >- Creates a person and, when `business_id` is given, links them to that business with `role` / `ownership_percent`. A matching email or phone answers 409 `duplicate_person` with `existing_id` unless `?force=true`. `ssn` is encrypted at rest and never returned. The CRM contact mirror is created in the background. operationId: people_create parameters: - name: force required: false in: query description: >- Create even when a person with the same email or phone already exists (otherwise 409 `duplicate_person` with `existing_id`). schema: default: false type: boolean requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/PersonCreateDto' responses: '201': description: Created content: application/json: schema: type: object required: - data - meta properties: data: $ref: '#/components/schemas/PersonDto' 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' '409': description: Conflict (duplicate or idempotency key reuse). 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: PersonCreateDto: type: object properties: first_name: type: string maxLength: 100 description: First name. last_name: type: string maxLength: 100 description: Last name. email: type: string maxLength: 255 description: Email. Used to match an existing person and the CRM contact. phone: type: string maxLength: 50 description: >- Phone, any format. Used to match an existing person and the CRM contact. address: type: string description: Street address. city: type: string maxLength: 100 state: type: string maxLength: 50 description: State, e.g. `NY`. zip: type: string maxLength: 20 dob: type: string description: >- Date of birth `YYYY-MM-DD`. Returned only to admin / manager credentials. example: '1980-05-17' ssn: type: string description: >- Social security number (`123-45-6789` or `123456789`). Write-only: encrypted at rest and never returned; reads expose `ssn_masked` (`***-**-6789`). writeOnly: true credit_score: type: string maxLength: 20 description: Credit score or range as text, e.g. `680` or `650-700`. business_id: type: string description: >- Associate the new person with this business (creates the link with `role` / `ownership_percent`). role: type: string enum: - owner - co-owner - bookkeeper - other default: owner description: Role on the business when `business_id` is given. ownership_percent: type: number minimum: 0 maximum: 100 description: Ownership percentage on the business when `business_id` is given. required: - first_name PersonDto: type: object properties: id: type: string description: Person id. first_name: type: string description: First name. last_name: type: string nullable: true description: Last name. full_name: type: string description: First and last name joined, for display. email: type: string nullable: true phone: type: string nullable: true description: Phone as stored (any format). Lookups normalise to E.164. address: type: string nullable: true city: type: string nullable: true state: type: string nullable: true zip: type: string nullable: true dob: type: string nullable: true description: >- Date of birth `YYYY-MM-DD`. Only returned to admin / manager credentials; null for everyone else. ssn_masked: type: string nullable: true description: >- Masked SSN, e.g. `***-**-6789`, or null when none is on file. The full number is never returned. credit_score: type: string nullable: true description: Credit score or range as text. ghl_contact_id: type: string nullable: true description: Id of the mirrored CRM contact, when linked. Read-only. status: type: string nullable: true enum: - active - inactive description: '`active` or `inactive`.' created_at: type: string description: ISO 8601 UTC. updated_at: type: string description: ISO 8601 UTC. required: - id - first_name - last_name - full_name - email - phone - address - city - state - zip - dob - ssn_masked - credit_score - ghl_contact_id - status - created_at - updated_at EmptyMetaDto: type: object properties: {} 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 - [Create a deal](/api-reference/deals/create-a-deal.md) - [Create a business](/api-reference/businesses/create-a-business.md) - [Get a person](/api-reference/people/get-a-person.md)