# POST /api/v1/businesses/{business_id}/cfo-portal/debt-schedule/instruments/{instrument_id}/payment-schedule/rows

> Add a row to a loan's paydown table

- **Tag:** cfo-portal
- **Operation ID:** `cfo_portal_add_debt_schedule_row`

## Description

Add a user-defined payment row to a loan's paydown table.

## Authentication

Bearer token in `Authorization` header.
Required header: `x-business-id: <business uuid>`.

## Parameters

- `business_id` (path, string, required)
- `instrument_id` (path, string, required)

## Request body

Schema: `DebtScheduleRowCreateRequest`

- `due_date` (string · date · required)
- `principal_cents` (integer)
- `interest_cents` (integer)
- `note` (string)

## Responses

### 201 — Successful Response

Schema: `SuccessEnvelope_DebtScheduleResponse_`

- `success` (boolean)
- `message` (string)
- `code` (string)
- `data` (DebtScheduleResponse)

### 400 — Bad Request - Invalid input

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 401 — Unauthorized - Missing/invalid token or no access to this business

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 403 — Forbidden - Insufficient permissions

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 404 — Not Found - Resource does not exist

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 422 — Validation Error

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

## Code samples

### cURL

```bash
curl -X POST 'https://api.ondayzero.com/api/v1/businesses/{business_id}/cfo-portal/debt-schedule/instruments/{instrument_id}/payment-schedule/rows' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "due_date": "2026-01-01"
}'
```

### JavaScript

```javascript
const response = await fetch('https://api.ondayzero.com/api/v1/businesses/{business_id}/cfo-portal/debt-schedule/instruments/{instrument_id}/payment-schedule/rows', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer dz_your_token',
    'x-business-id': 'YOUR_BUSINESS_ID',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
  "due_date": "2026-01-01"
}),
});
const data = await response.json();
```

### Python

```python
import httpx

headers = {
    "Authorization": "Bearer dz_your_token",
    "x-business-id": "YOUR_BUSINESS_ID",
}

payload = {'due_date': '2026-01-01'}

response = httpx.post("https://api.ondayzero.com/api/v1/businesses/{business_id}/cfo-portal/debt-schedule/instruments/{instrument_id}/payment-schedule/rows", headers=headers, json=payload)
data = response.json()
```

## See also

- HTML version: https://www.ondayzero.com/docs/reference/cfo-portal/cfo-portal-add-debt-schedule-row
- OpenAPI slice: https://www.ondayzero.com/docs/reference/cfo-portal/cfo-portal-add-debt-schedule-row/openapi.json
- Other endpoints in **cfo-portal**: https://www.ondayzero.com/docs/reference/cfo-portal (markdown bundle: https://www.ondayzero.com/docs/reference/cfo-portal.md, OpenAPI: https://www.ondayzero.com/docs/reference/cfo-portal/openapi.json)
- Endpoint catalog: https://www.ondayzero.com/docs/reference/index.md