Start credit qualification process

Initiates the credit qualification process for a submitted application.

Business Context: This endpoint triggers the automated credit assessment that determines if the customer qualifies for solar financing and at what tier level.

Prerequisites:

• Application must be in submitted status
• Cannot run qualification on applications that are already qualified
• All required applicant information must be complete and validated

Qualification Process:

1. Credit bureau reports are pulled for all applicants
2. Automated underwriting rules are applied
3. Credit tier is assigned based on qualification results
4. Final approval or decline decision is made

Status Transitions:

• submitted → in_progress (immediately)
• in_progress → approved or declined (within 1-3 minutes)
• Some applications may go to onhold for manual review

Credit Tiers (best to worst):

• diamond: Excellent credit, best rates
• platinum: Very good credit
• gold: Good credit
• silver: Fair credit
• bronze: Below average credit
• mercury: Poor credit, limited options
• declined: Does not qualify for financing

Monitoring Results:

• Recommended: Subscribe to application.approved and application.declined webhooks
• Alternative: Poll the GET /applications/{applicationId} endpoint every 30 seconds
• Results typically available within 60 seconds