Goal: create a simple micro-lending app api.

Business requirements:

• User can apply for loan by passing amount and term to api.
• Loan application risk analysis is performed. Risk is considered too high if: ? the attempt to take loan is made after 00:00 with max possible amount. ? reached max applications (e.g. 3) per day from a single IP.
• Loan is issued if there are no risks associated with the application. If so, client gets response status ok. However, if risk is surrounding the application, client error with message.
• Client should be able to extend a loan. Loan term gets extended for one week, interest gets increased by a factor of 1.5.
• The whole history of loans is visible for clients, including loan extensions.