Partner Integration API

Who is this for?

The Partner API is built for platforms that want to offer Personal Guarantee Insurance without sending users to a separate website. If you're building any of these, this is for you:

• Lending platforms -- offer PGI coverage alongside loan origination
• M&A marketplaces -- protect buyers on acquisition financing
• Financial advisors & brokerages -- embed scoring and quoting into client workflows
• Accounting & ERP platforms -- flag guarantee risk in financial dashboards

What you can do

Base URL

All endpoints are under this base. Append the resource path to this URL.

Authentication

Every request requires a Bearer token in the Authorization header. You'll get an API key when your partner account is provisioned.

Authorization: Bearer pk_live_abc123def456ghi789jkl012mno345

Key prefixes

Sandbox mode

Use a pk_test_* key to build and test your integration. Sandbox mode hits the same endpoints as production, but:

• All created records are flagged is_sandbox=True
• Sandbox data is hidden from PGI's production admin by default
• Scoring returns real CORE scores from the engine
• No real policies or claims are created
• Higher rate limit (1,000 requests/hour) for rapid development

Rate limiting

Every response includes rate limit headers so you can track your usage:

Default limits:

• Live keys: 100 requests/hour
• Sandbox keys: 1,000 requests/hour

When you exceed the limit, you'll receive a 429 Too Many Requests response with a Retry-After header (in seconds).

Error responses

All errors follow the same shape:

{
  "error": {
    "code": "invalid_request",
    "message": "The loan_amount field is required.",
    "details": {
      "loan_amount": ["This field is required."]
    }
  }
}

Common error codes

Quick start

Make your first API call in under a minute. This scores a sample borrower:

curl -X POST https://api.pgicover.com/api/v2/score/ \
  -H "Authorization: Bearer pk_test_abc123def456ghi789jkl012mno345" \
  -H "Content-Type: application/json" \
  -d '{
    "country": "CA",
    "naics_code": "541511",
    "formation_date": "2019-03-15",
    "loan_amount": 500000,
    "pgi_limit": 250000,
    "annual_revenue": 2000000,
    "ebitda": 400000,
    "total_debt": 300000,
    "monthly_debt_service": 8000,
    "collateral_value": 600000,
    "enterprise_value": 3000000
  }'

import requests

resp = requests.post(
    "https://api.pgicover.com/api/v2/score/",
    headers={
        "Authorization": "Bearer pk_test_abc123def456ghi789jkl012mno345",
    },
    json={
        "country": "CA",
        "naics_code": "541511",
        "formation_date": "2019-03-15",
        "loan_amount": 500000,
        "pgi_limit": 250000,
        "annual_revenue": 2000000,
        "ebitda": 400000,
        "total_debt": 300000,
        "monthly_debt_service": 8000,
        "collateral_value": 600000,
        "enterprise_value": 3000000,
    },
)
print(resp.json())

const resp = await fetch("https://api.pgicover.com/api/v2/score/", {
  method: "POST",
  headers: {
    "Authorization": "Bearer pk_test_abc123def456ghi789jkl012mno345",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    country: "CA",
    naics_code: "541511",
    formation_date: "2019-03-15",
    loan_amount: 500000,
    pgi_limit: 250000,
    annual_revenue: 2000000,
    ebitda: 400000,
    total_debt: 300000,
    monthly_debt_service: 8000,
    collateral_value: 600000,
    enterprise_value: 3000000,
  }),
});
const data = await resp.json();
console.log(data);

A successful response looks like this:

{
  "score_id": "A1B2C3D4E5F6789012345678AB",
  "score": 83,
  "decision": "approve",
  "country": "CA",
  "naics_code": "541511",
  "created_at": "2026-04-03T14:22:31Z"
}