---
title: "Advance Sandbox Disbursement"
method: POST
path: "/v0/simulate/lending/disbursements/{disbursement_id}/advance"
tags: ["Lending Simulation"]
---

# Advance Sandbox Disbursement

`POST /v0/simulate/lending/disbursements/{disbursement_id}/advance`

## Request

- Base URL: `https://api.sandbox.lead.bank`
- URL: `https://api.sandbox.lead.bank/v0/simulate/lending/disbursements/{disbursement_id}/advance`
- Auth: HTTP bearer

Advances a disbursement object status in the sandbox environment.

## Path parameters

- `disbursement_id` string, required

## Query parameters

- `event` string, required

## Response `200`

Disbursement object advanced.

- Disbursement
  - `id` string: id of the Disbursement object
  - `client_loan_id` string: The ID of your loan. This must be the same loan_id used in the Loan Origination Request.
  - `created_at` string, date-time: The ISO-8601 timestamp at which the Disbursement object was created.
  - `updated_at` string, date-time: The ISO-8601 timestamp at which the Disbursement object was last updated.
  - `status` 'created' | 'processing' | 'succeeded' | 'canceled' | 'failed': The current status of this Disbursement object.
  - `amount` integer: Amount disbursed to the counterparty in cents. This amount will align with disbursement_amount from the Loan Origination Request
  - `currency_code` 'USD': A three-letter currency code as defined in ISO 4217.
  - `payment_method` 'ach': The payment method chosen for disbursement. Only ACH is supported today.
  - `payment_details` DisbursementPaymentDetails
    - `delivery_type` 'same_business_day' | 'next_business_day', required: How fast you want the counterparty to receive the ACH. * `same_business_day`: if the ACH request is submitted before the cutoff window with the same business day option, funds will settle on the same day. * `next_business_day`: standard ACH processing, for funds to settle on the next business day.
    - `effective_date` string: The date the ACH transaction is expected to settle with the financial institution. Lead will set this date based on the delivery_type field.
    - `trace_number` string: The unique number assigned to every ACH entry by an ODFI which identifies that entry within a specific ACH file. This is generated by Lead when we submit the ACH.
    - `statement_descriptor` string, required: The description you would like to appear on your customers’ statement. Maximum number of characters is 10.
    - `counterparty` object, required: The details of the counterparty you are sending money to.
      - `name` string, required: The name of the counterparty you are transacting with.
      - `account_number` string, required: The account number for the bank account.
      - `routing_number` string, required: The routing number for the bank account. This should be the ACH routing number, not the wire routing number.
      - `account_type` 'checking' | 'savings', required: The account type for the bank account. This should be one of checking or savings.
    - `correction` AchCorrection: The corrected `counterparty` details.
      - `account_number` string: The updated account number for the `counterparty`.
      - `routing_number` string: The updated routing number for the `counterparty`.
      - `account_type` 'checking' | 'savings': The updated account type for the `counterparty`.
    - `failure` DisbursementFailure
      - `failure_code` 'account_closed' | 'no_account' | 'bad_account_number' | 'account_frozen' | 'contact_lead': The failure code for failed disbursement. This applies in the case of rejected disbursements either by the Fed, ODFI or RDFI.
      - `failure_details` 'account_closed' | 'no_account' | 'bad_account_number' | 'account_frozen' | 'contact_lead': Details on failure reason and recommended next steps for failed disbursements. * `account_closed`: This account is closed. Please contact the account owner and request valid bank account details. * `no_account`: This account cannot be located. Please contact the account owner and request valid bank account details. * `bad_account_number`: This account contains invalid account number structure. Please contact the account owner and request valid bank account details. * `account_frozen`: This account is frozen and funds cannot be disbursed. * `contact_lead`: We were unable to complete the disbursement. Please contact Lead for more information.

## Other responses

- `400`: Your request parameters did not validate.
- `404`: disbursement_id passed in is not a valid external disbursement object.
- `422`: We couldn't parse your request body, please check that your request body is valid JSON.
- `500`: Server error. Please try your request again.

---

[API](https://skmtc.dev/lead/apis/lead-bank.md) - [All operations](https://skmtc.dev/lead/apis/lead-bank/llms.txt) - [OpenAPI document](https://skmtc.dev/lead/apis/lead-bank/revisions/2c659854496e?raw)