> ## 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.

# Refresh a submission’s status from the funder

> Asks the funder for the application’s current status right now, bypassing the poll schedule (every 15 minutes for 2 hours, hourly to 24 hours, every 6 hours to 7 days, then `stale`). Only for lenders on an API integration whose funder has acknowledged the application (`api.external_id`); 400 otherwise, 404 when the submission never went through an API. A new funder status flows into `status`; offers the funder returns are logged on the deal (identical options are collapsed, none is made primary) and the pipeline moves as usual. A transport error is recorded on `api.error_message` — it does not mean the funder lost the application. Idempotent.



## OpenAPI

````yaml /openapi/public-v1.json post /v1/submissions/{id}/check-status
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 <key>` 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/submissions/{id}/check-status:
    post:
      tags:
        - Submissions
      summary: Refresh a submission’s status from the funder
      description: >-
        Asks the funder for the application’s current status right now,
        bypassing the poll schedule (every 15 minutes for 2 hours, hourly to 24
        hours, every 6 hours to 7 days, then `stale`). Only for lenders on an
        API integration whose funder has acknowledged the application
        (`api.external_id`); 400 otherwise, 404 when the submission never went
        through an API. A new funder status flows into `status`; offers the
        funder returns are logged on the deal (identical options are collapsed,
        none is made primary) and the pipeline moves as usual. A transport error
        is recorded on `api.error_message` — it does not mean the funder lost
        the application. Idempotent.
      operationId: submissions_checkStatus
      parameters:
        - name: id
          required: true
          in: path
          description: Submission id
          schema:
            type: string
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                required:
                  - data
                  - meta
                properties:
                  data:
                    $ref: '#/components/schemas/SubmissionDto'
                  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'
        '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:
    SubmissionDto:
      type: object
      properties:
        id:
          type: string
          description: Submission id.
        deal_id:
          type: string
          description: Deal that was submitted.
        lender_id:
          type: string
          description: Lender it was submitted to.
        lender_name:
          type: string
          nullable: true
          description: Lender name at read time.
        status:
          type: string
          enum:
            - pending
            - queued
            - recorded
            - sent
            - approved
            - declined
            - needs_info
            - expired
            - funded
            - withdrawn
          description: >-
            `pending` = recorded, not sent yet · `sent` = emailed or accepted by
            the funder’s API · `approved`/`declined`/`needs_info` = lender
            responded · `funded` = advance created · `expired` · `withdrawn`.
        submission_method:
          type: string
          enum:
            - email
            - api
          description: >-
            How this lender receives submissions: `email`, or `api` through a
            funder integration (then `api` carries the attempt).
        api:
          nullable: true
          description: >-
            Latest attempt through the lender’s API integration; null for email
            lenders or before the first API attempt.
          allOf:
            - $ref: '#/components/schemas/ApiSubmissionDto'
        response_type:
          type: string
          nullable: true
          description: >-
            Lender response kind when classified: `approved`, `declined`,
            `counter`, `more_info`, `withdrawn`.
        response_notes:
          type: string
          nullable: true
          description: Notes from the lender response.
        decline_reason:
          type: string
          nullable: true
          description: Decline reason text.
        decline_category:
          type: string
          nullable: true
          description: Decline category slug.
        requested_items:
          description: Items the lender asked for (`needs_info`).
          type: array
          items:
            type: string
        match_score:
          type: number
          nullable: true
          description: >-
            Lender-match score (0–100) snapshotted when the submission was
            created.
        match_eligible:
          type: boolean
          nullable: true
          description: Whether the deal passed the lender’s hard gates at submission time.
        submitted_by_id:
          type: string
          nullable: true
          description: User id that submitted (null for API keys without a creator).
        submitted_at:
          type: string
          nullable: true
          description: When the email went out (ISO 8601).
        responded_at:
          type: string
          nullable: true
          description: When the lender responded (ISO 8601).
        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
        - lender_id
        - lender_name
        - status
        - submission_method
        - api
        - response_type
        - response_notes
        - decline_reason
        - decline_category
        - requested_items
        - match_score
        - match_eligible
        - submitted_by_id
        - submitted_at
        - responded_at
        - created_at
        - updated_at
    EmptyMetaDto:
      type: object
      properties: {}
    ErrorEnvelopeDto:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/PublicErrorDto'
      required:
        - error
    ApiSubmissionDto:
      type: object
      properties:
        id:
          type: string
          description: Attempt id.
        submission_id:
          type: string
          description: Submission the attempt belongs to.
        deal_id:
          type: string
          description: Deal id.
        lender_id:
          type: string
          description: Lender id.
        funder_api_spec_id:
          type: string
          description: >-
            Funder integration used, e.g. `mock`, `ondeck` (see `GET
            /lenders/api-specs`).
        environment:
          type: string
          enum:
            - development
            - production
          description: >-
            Funder environment the attempt went to. `development` never reaches
            real underwriting.
        external_id:
          type: string
          nullable: true
          description: >-
            Funder’s application / reference id once it acknowledged the
            application.
        funder_status:
          type: string
          nullable: true
          description: Funder’s status string, verbatim (e.g. `Credit Review`).
        internal_status:
          type: string
          enum:
            - queued
            - sent
            - pending
            - approved
            - declined
            - funded
            - errored
            - expired
            - stale
          description: >-
            `queued` = waiting to be sent · `sent` / `pending` = at the funder ·
            `approved` / `declined` / `funded` / `expired` = decided · `errored`
            = the last attempt failed (see `error_code`; the funder may still
            have received it — use check-status) · `stale` = polling stopped
            after 7 days.
        deep_link_url:
          type: string
          nullable: true
          description: Link to the application in the funder’s portal.
        error_message:
          type: string
          nullable: true
          description: Funder’s error message, verbatim.
        error_code:
          type: string
          nullable: true
          enum:
            - auth_failed
            - validation
            - timeout
            - funder_error
            - network
            - config
          description: >-
            `auth_failed` = credentials rejected (never retried automatically) ·
            `validation` = the funder rejected fields (never retried) ·
            `timeout` / `network` / `funder_error` = transport or 5xx (retried
            with backoff) · `config` = the lender is not set up.
        attempt_number:
          type: number
          description: Attempt number for this submission (1 = first).
        submitted_at:
          type: string
          nullable: true
          description: When the request went to the funder (ISO 8601).
        last_polled_at:
          type: string
          nullable: true
          description: Last status check (ISO 8601).
        next_poll_at:
          type: string
          nullable: true
          description: >-
            Next scheduled status check (ISO 8601). Null when polling is
            finished.
        created_at:
          type: string
          description: Creation time (ISO 8601).
        updated_at:
          type: string
          nullable: true
          description: Last update time (ISO 8601).
        can_retry:
          type: boolean
          description: >-
            Whether `POST /submissions/{id}/retry` would be accepted now: the
            last attempt is `errored` or `stale` and at least 2 minutes have
            passed since it was sent.
        retry_after_seconds:
          type: number
          nullable: true
          description: >-
            Seconds until a retry is allowed when only the 2-minute guard blocks
            it. Null when the funder already has the application.
      required:
        - id
        - submission_id
        - deal_id
        - lender_id
        - funder_api_spec_id
        - environment
        - external_id
        - funder_status
        - internal_status
        - deep_link_url
        - error_message
        - error_code
        - attempt_number
        - submitted_at
        - last_polled_at
        - next_poll_at
        - created_at
        - updated_at
        - can_retry
        - retry_after_seconds
    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

- [Lender API integrations](/guides/lender-api-integrations.md)
- [Get a submission](/api-reference/submissions/get-a-submission.md)
- [Withdraw a submission](/api-reference/submissions/withdraw-a-submission.md)
