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> For a complete documentation index, see https://docs.spreadspace.app/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.spreadspace.app/_mcp/server.

# Get borrower

GET https://api.spreadspace.app/api/borrowers/{id}

Retrieves a single borrower.

Requires the `borrowers:read` scope. Rate limit: 200 requests per minute per key (the `api` lane).

Reference: https://docs.spreadspace.app/api/api-reference/borrowers/get-by-id

## Authentication

- `Authorization` header (bearer token, required) — Bearer token. Use `ss_live_…` for live data or `ss_test_…` for the sandbox (test mode). See [Authentication](https://docs.spreadspace.app/api/authentication).

## Request

### Path parameters

- `id` (string, required) — The borrower's id.

### Headers

- `SpreadSpace-Version` (string, optional) — Pin the API version, e.g. `2026-10-07`. Omit to get the latest. See [Versioning](https://docs.spreadspace.app/api/versioning).

## Response

### 200

OK

- `borrower_id` (string, required)
- `name` (string, required)
- `created_at` (datetime, required)
- `updated_at` (datetime, required)
- `status` (string, required)
- `is_intake` (boolean, required) — True for a borrower auto-provisioned by intake whose profile has not been completed. Present on every borrower payload.
- `dba_name` (string, optional, nullable)
- `legal_entity_type` (string, optional, nullable)
- `tax_filing_status` (string, optional, nullable)
- `tin_last4` (string, optional, nullable)
- `tin_type` (string, optional, nullable)
- `city` (string, optional, nullable)
- `state` (string, optional, nullable)
- `zip_code` (string, optional, nullable)
- `state_of_formation` (string, optional, nullable)
- `industry` (string, optional, nullable)
- `sub_industry` (string, optional, nullable)
- `naics_code` (string, optional, nullable)
- `date_established` (date, optional, nullable)
- `fiscal_year_end_month` (integer, optional, nullable)
- `number_of_principals` (integer, optional, nullable)
- `filing_type` (string, optional, nullable) — The return type the borrower files, on the single-borrower read. Null on the list and on the create, update and complete-intake responses.
- `last_activity_at` (datetime, optional, nullable)
- `loan_count` (integer, optional, nullable) — How many loans the borrower has, on the list and the single-borrower read. Null on the create, update and complete-intake responses, and where the caller may not see the borrower's detail.
- `notes` (string, optional, nullable)

## Errors

### 400 Bad Request Error

Bad request: validation failed, the cursor is malformed, or the API version is unknown.

- `error` (ApiErrorBody, required) — Inner body of the canonical API error envelope.

### 401 Unauthorized Error

Unauthorized: the bearer token or API key is missing or invalid.

- `error` (ApiErrorBody, required) — Inner body of the canonical API error envelope.

### 402 Payment Required Error

Payment required: the standard error envelope with `type` `subscription_required` when the workspace has no active or trialing subscription, or `billing_required` where a plan entitlement applies.

- `error` (ApiErrorBody, required) — Inner body of the canonical API error envelope.

### 403 Forbidden Error

Forbidden: authentication succeeded but the caller is not permitted to perform this action, for example an API key missing the required scope, an embed session reaching a loan it was not minted for, or a feature outside the workspace's plan.

- `error` (ApiErrorBody, required) — Inner body of the canonical API error envelope.

### 404 Not Found Error

Not found: the resource does not exist or is not visible to the calling tenant.

- `error` (ApiErrorBody, required) — Inner body of the canonical API error envelope.

### 429 Too Many Requests Error

Too many requests: the rate limit was hit, or an idempotency-key replay is still in progress.

- `error` (ApiErrorBody, required) — Inner body of the canonical API error envelope.

### 500 Internal Server Error

Internal server error: an unexpected failure. Quote the `request_id` in support tickets. A mutation sent with an `Idempotency-Key` replays this fault under that key rather than re-running; confirm the resource state before resending with a new key.

- `error` (ApiErrorBody, required) — Inner body of the canonical API error envelope.

## Types

### ApiErrorBody

Inner body of the canonical API error envelope.

- `type` (string, required) — Stable error type identifier. Pattern-match on this value, not the human-readable message.
- `message` (string, required) — Human-readable error message. Subject to wording changes; do not parse.
- `request_id` (string, optional, nullable) — Per-request correlation ID (matches `X-Request-ID` response header). Quote in support tickets.
- `details` (map from string to string, optional, nullable) — Structured detail. Some error types populate documented keys in every environment: a version conflict (409) carries `current_version`, the version the resource is actually at, so the client can reload and re-apply. Free-form diagnostic detail beyond those keys appears in development environments only. An `insufficient_credits` 402 carries `balance_usd`, `reserved_usd`, `in_flight_docs`, `incoming_docs` and `per_doc_reservation_usd` as decimal strings.

## Examples

**Response**

```json
{
  "borrower_id": "9f8e7d6c5b4a3210a1b2c3d4",
  "name": "Acme Corporation",
  "created_at": "2024-01-15T09:30:00.125293+00:00",
  "updated_at": "2024-04-10T14:45:00.955345+00:00",
  "status": "good_standing",
  "is_intake": false,
  "dba_name": "Acme Corp",
  "legal_entity_type": "S Corporation",
  "tax_filing_status": "Active",
  "tin_last4": "4210",
  "tin_type": "EIN",
  "city": "San Francisco",
  "state": "CA",
  "zip_code": "94105",
  "state_of_formation": "CA",
  "industry": "Manufacturing",
  "sub_industry": "Industrial Machinery",
  "naics_code": "333999",
  "date_established": "2010-06-15",
  "fiscal_year_end_month": 12,
  "number_of_principals": 2,
  "filing_type": "1120S",
  "last_activity_at": "2024-04-10T14:45:00.955345+00:00",
  "loan_count": 2,
  "notes": "Preferred borrower with strong credit history."
}
```

**SDK Code**

```python
import requests

url = "https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4"

headers = {"Authorization": "Bearer <token>"}

response = requests.get(url, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4';
const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4"

	req, _ := http.NewRequest("GET", url, nil)

	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Get.new(url)
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.get("https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4")
  .header("Authorization", "Bearer <token>")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('GET', 'https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4', [
  'headers' => [
    'Authorization' => 'Bearer <token>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4");
var request = new RestRequest(Method.GET);
request.AddHeader("Authorization", "Bearer <token>");
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = ["Authorization": "Bearer <token>"]

let request = NSMutableURLRequest(url: NSURL(string: "https://api.spreadspace.app/api/borrowers/9f8e7d6c5b4a3210a1b2c3d4")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "GET"
request.allHTTPHeaderFields = headers

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```