Loan / credit line created

The loan record itself is created at the very end of the Loan origination flow, immediately after the loan application is approved and the loan agreement is signed.

Behavior differs by loan type:

Fixed-term loan. Created with status Pending. The loan exists in the system but is not yet active — no interest accrues, no payments are scheduled. The Loan management process starts straight away and waits for the disbursement to be created.

Credit line. Created already with status Active. The credit limit is set; no funds have been moved yet. The Loan management process starts and waits for the borrower’s first drawdown.

The loan number is inherited from the loan application number, so origination and servicing share the same identifier across the whole lifecycle.