> For the complete documentation index, see [llms.txt](https://docs.bullcredtech.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bullcredtech.com/api-reference/apis-en/proposal-flow/post-proposals-start.md).

# 1. Start proposal

**POST** `/proposals/start`

Creates a new payroll loan proposal with the client's basic data. This is the first step of the origination flow.

## Request Body

| Field          | Type   | Required | Description                            | Example                   |
| -------------- | ------ | :------: | -------------------------------------- | ------------------------- |
| `cpf`          | string |    Yes   | Client's CPF (numbers only, 11 digits) | `"67593082121"`           |
| `full_name`    | string |    Yes   | Client's full name                     | `"Lucas Test Proposal"`   |
| `birth_date`   | string |    Yes   | Date of birth (format `YYYY-MM-DD`)    | `"1980-01-22"`            |
| `utm_source`   | string |    No    | Source of the marketing campaign       | `"google"`                |
| `utm_medium`   | string |    No    | Marketing medium/channel               | `"cpc"`                   |
| `utm_campaign` | string |    No    | Marketing campaign name                | `"payroll_loan_clt_2026"` |
| `utm_term`     | string |    No    | Campaign search term                   | `"credit_clt"`            |
| `utm_content`  | string |    No    | Ad content variation                   | `"ad_variation_a"`        |

## Request Example

```json
{
  "cpf": "67593082121",
  "full_name": "Lucas Test Proposal",
  "birth_date": "1980-01-22",
  "utm_source": "google",
  "utm_medium": "cpc",
  "utm_campaign": "payroll_loan_clt_2026"
}
```

## Success Response (201 Created)

```json
{
  "message": "Proposal created successfully",
  "proposal_id": "99afc6ce-4720-4746-9cf6-0a23e85cdf75",
  "cpf": "67593082121",
  "full_name": "LUCAS TEST PROPOSAL",
  "product_id": "d82b9334-0cdf-494c-b414-d12b356e54e6",
  "status": "CREATED"
}
```

### Response Fields

| Field         | Type          | Description                                                  |
| ------------- | ------------- | ------------------------------------------------------------ |
| `message`     | string        | Confirmation message                                         |
| `proposal_id` | string (UUID) | **Unique proposal identifier** - use in all subsequent calls |
| `cpf`         | string        | Client's CPF (normalized)                                    |
| `full_name`   | string        | Full name in uppercase                                       |
| `product_id`  | string (UUID) | Associated credit product ID                                 |
| `status`      | string        | Current status: `CREATED`                                    |

## Possible Errors

| Code | Error Code                        | Message                                                                         |
| ---- | --------------------------------- | ------------------------------------------------------------------------------- |
| 400  | -                                 | Invalid CPF                                                                     |
| 409  | `CONTRACT_ACTIVE`                 | There is already an active contract with a valid digital signature for this CPF |
| 409  | `CONTRACT_EXISTS`                 | There is already a generated contract for this CPF                              |
| 409  | `PROPOSAL_PENDING_FRAUD_ANALYSIS` | There is already a proposal under fraud analysis for this CPF                   |
| 409  | `PROPOSAL_PROCESSING_IN_PROGRESS` | There is already a proposal being processed for this CPF                        |
| 409  | `PROPOSAL_AWAITING_DISBURSEMENT`  | There is already an approved proposal awaiting disbursement for this CPF        |

## Notes

* The `proposal_id` the returned one must be stored and used in all subsequent calls in the flow
* The name is automatically converted to uppercase
* The CPF is validated for format and check digits
* If there is already an active proposal for the CPF, returns the existing proposal
* UTM parameters are optional and used for marketing attribution. If a proposal already exists for the CPF and new UTM values are sent, the fields will be updated

{% hint style="success" %}
**Next Step**

After creating the proposal, send the contact details: [POST /proposals/{id}/contact](/api-reference/apis-en/proposal-flow/post-proposals-contact.md)
{% endhint %}


---

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