---
title: "Simulate a repayment"
method: POST
path: "/v1/capitals/lenders/contracts/{contract_id}/simulate/repayment"
tags: ["Repayments"]
---

# Simulate a repayment

`POST /v1/capitals/lenders/contracts/{contract_id}/simulate/repayment`

## Request

- Base URL: `https://api.paymongo.com`
- URL: `https://api.paymongo.com/v1/capitals/lenders/contracts/{contract_id}/simulate/repayment`
- Auth: HTTP basic

Simulates the automatic daily sales repayment for a contract. Updates loan balance and creates a repayment record, but does not trigger a wallet transfer.

## Path parameters

- `contract_id` string, required

## Request body

- LenderSimulateRepaymentRequest
  - `sales_amount` integer, required

## Response `200`

OK

- object: Standard response containing data and its metadata if any
  - `data` RepaymentResponse
    - `amount` integer
    - `created_at` string
    - `currency` string
    - `id` string
    - `loan_id` string
    - `reference_id` string
    - `repayment_type` 'instant_settlement' | 'sales' | 'direct_lender' | 'direct_paymongo'
    - `status` 'pending' | 'success' | 'failed'
  - `message` string
  - `meta` MetaDTO
    - `next` string
    - `prev` string
    - `total` integer

## Other responses

- `404`: Not Found
- `422`: Unprocessable Entity

---

[API](https://skmtc.dev/paymongo/apis/paymongo-capital-api.md) - [All operations](https://skmtc.dev/paymongo/apis/paymongo-capital-api/llms.txt) - [OpenAPI document](https://skmtc.dev/paymongo/apis/paymongo-capital-api/revisions/5ebcf72dacae?raw)