# POST /api/v1/loans/{instrument_id}/disbursements

> Record an additional loan disbursement

- **Tag:** loans
- **Operation ID:** `record_loan_disbursement_api_v1_loans__instrument_id__disbursements_post`

## Description

Record an additional draw/advance on an existing loan.

**Request Body:**
- `amount_cents`: Amount advanced (required, > 0).
- `cash_ledger_id`: Bank/cash account the money moves through (required).
- `disbursement_date`: Optional, defaults to today.
- `memo`: Optional journal-entry memo.

**Effect:** Posts a balanced JE and increases the loan's outstanding
balance. A `paid_off` loan returns to `active`.

## Authentication

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

## Parameters

- `instrument_id` (path, string, required)

## Request body

Schema: `LoanDisbursementRequest`

- `amount_cents` (integer · required)
- `cash_ledger_id` (string · required)
- `disbursement_date` (string · date)
- `memo` (string)

## Responses

### 201 — Successful Response

Schema: `SuccessEnvelope_LoanDisbursementResponse_`

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

### 400 — Bad Request - Invalid input

### 401 — Unauthorized - Authentication required

### 403 — Forbidden - Insufficient permissions

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

### 409 — Conflict - Resource already exists

### 422 — Validation Error

Schema: `HTTPValidationError`

- `detail` (array · ValidationError) → `ValidationError`
  - `loc` (array · string | integer · required)
  - `msg` (string · required)
  - `type` (string · required)
  - `input` (object)
  - `ctx` (object)

## Code samples

### cURL

```bash
curl -X POST 'https://api.ondayzero.com/api/v1/loans/{instrument_id}/disbursements' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "amount_cents": 0,
  "cash_ledger_id": "string"
}'
```

### JavaScript

```javascript
const response = await fetch('https://api.ondayzero.com/api/v1/loans/{instrument_id}/disbursements', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer dz_your_token',
    'x-business-id': 'YOUR_BUSINESS_ID',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
  "amount_cents": 0,
  "cash_ledger_id": "string"
}),
});
const data = await response.json();
```

### Python

```python
import httpx

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

payload = {
  "amount_cents": 0,
  "cash_ledger_id": "string"
}

response = httpx.post("https://api.ondayzero.com/api/v1/loans/{instrument_id}/disbursements", headers=headers, json=payload)
data = response.json()
```

## See also

- HTML version: https://www.ondayzero.com/docs/reference/loans/record-loan-disbursement
- OpenAPI slice: https://www.ondayzero.com/docs/reference/loans/record-loan-disbursement/openapi.json
- Other endpoints in **loans**: https://www.ondayzero.com/docs/reference/loans