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Monitor and Manage Your Business’s Premium Credit History

Adhere’s Premium Business Credit History endpoint provides an enhanced and comprehensive view of a business’s credit activities, tailored for premium users. This service includes detailed insights into credit accounts, payment behaviors, credit utilization trends, and advanced analytics on credit performance. By utilizing this feature, premium businesses can gain a deeper understanding of their credit standing, identify opportunities for improvement, and make informed financial decisions to maintain a strong credit profile.

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Request Endpoint

POST: {{BASE_URL}}/api/onboarding/business/premium/

  • Media-Type: application/json

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Status Codes

  • 200 OK: The request was successful, and the business’ credit information is returned successfully.
  • 400 Bad Request: The request could not be completed due to invalid or missing information.

​
Payload Fields

{
  "registration_number": "RC123456"
}

​
200 OK Response


{
  "success": true,
  "statusCode": 200,
  "message": "Business Credit History",
  "response_code": "00",
  "data": {
    "_id": "636e768d8215a2e2fb06cfde",
    "business_reg_no": "RC123456",
    "businessId": "64db7ab8a26e603218838892",
    "name": "CAPITALFIELD ASSET MGT LTD",
    "phone": "23408036732620",
    "dateOfRegistration": "2003-08-20",
    "address": "ELEGANZA HOUSE,15B JOSEPH WESLEY STR.BROAD STREET   025 NG   LAGOS NIGERIA ",
    "website": "",
    "taxIdentificationNumber": "",
    "noOfDirectors": 0,
    "industry": "",
    "businessType": "SMALLANDMEDIUMSCALEENTERPRISE",
    "email": "capitalasset@gmail.com",
    "score": {
      "directors": [
        {
          "source": "CRC",
          "value": []
        },
        {
          "source": "FIRST_CENTRAL",
          "value": [
            {
              "name": "GLORIA DUBIITIVEH ",
              "identificationNo": null,
              "dateAppointed": "",
              "dateofBirth": "Feb 13 1986 12:00AM",
              "directorid": "130195"
            },
            {
              "name": "RAPHAEL LEWU ",
              "identificationNo": null,
              "dateAppointed": "",
              "dateofBirth": "Feb  3 1963 12:00AM",
              "directorid": "131868"
            }
          ]
        }
      ],
      "totalNoOfLoans": [
        {
          "source": "CRC",
          "value": 24
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 9
        }
      ],
      "totalNoOfInstitutions": [
        {
          "source": "CRC",
          "value": 12
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 8
        }
      ],
      "totalNoOfActiveLoans": [
        {
          "source": "CRC",
          "value": 7
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 6
        }
      ],
      "totalNoOfClosedLoans": [
        {
          "source": "CRC",
          "value": 17
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 3
        }
      ],
      "highestLoanAmount": [
        {
          "source": "CRC",
          "value": 22980000
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 500000000
        }
      ],
      "totalBorrowed": [
        {
          "source": "CRC",
          "value": 567401372
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 1004525869.55
        }
      ],
      "totalOutstanding": [
        {
          "source": "CRC",
          "value": 19732
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 0
        }
      ],
      "totalOverdue": [
        {
          "source": "CRC",
          "value": 19754
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 0
        }
      ],
      "totalNoOfPerformingLoans": [
        {
          "source": "CRC",
          "value": 23
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 12
        }
      ],
      "totalNoOfDelinquentFacilities": [
        {
          "source": "CRC",
          "value": 1
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 0
        }
      ],
      "creditProfileOverview": [
        {
          "source": "CRC",
          "value": [
            {
              "indicator": "Number of Guaranteed Loans",
              "indicatorType": "GUARANTEED_LOANS",
              "value": "0"
            },
            {
              "indicator": "First Credit Reported Date",
              "indicatorType": "FIRST_REPORTED",
              "value": "31-May-2011"
            }
          ]
        },
        {
          "source": "FIRST_CENTRAL",
          "value": []
        }
      ],
      "totalMonthlyInstallment": [
        {
          "source": "CRC",
          "value": 0
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 30124518
        }
      ],
      "totalNoOfOverdueAccounts": [
        {
          "source": "CRC",
          "value": 0
        },
        {
          "source": "FIRST_CENTRAL",
          "value": 0
        }
      ],
      "loanHistory": [
        {
          "source": "CRC",
          "value": [
            {
              "accountNumber": "020301564080010001000",
              "loanProvider": "GT BANK",
              "type": "Advance/ Overdraft Facility",
              "loanAmount": "0",
              "overdueAmount": "19754",
              "amountWrittenOff": "",
              "currency": "NGN",
              "lastPaymentDate": "",
              "loanDuration": null,
              "dateReported": "30-Sep-2022",
              "performanceStatus": "Sub Standard",
              "rankings": "3-133",
              "reason": "Open",
              "outstandingBalance": "19732",
              "paymentHistory": [],
              "loanStatus": "A",
              "maturityDate": "04-Aug-2020",
              "numberOfInstallments": "",
              "numberOfOverdueDays": "133",
              "collateral": "Unsecured"
            },
            {
              "accountNumber": "231LEFI141070001",
              "loanProvider": "POLARIS BANK LIMITED",
              "type": "Lease",
              "loanAmount": "22980000",
              "overdueAmount": "0",
              "amountWrittenOff": "",
              "currency": "NGN",
              "lastPaymentDate": "09-Jan-2016",
              "loanDuration": null,
              "dateReported": "31-Oct-2018",
              "performanceStatus": "Performing",
              "rankings": "1-0",
              "reason": "Closed",
              "outstandingBalance": "0",
              "paymentHistory": [],
              "loanStatus": "A",
              "maturityDate": "09-Apr-2016",
              "numberOfInstallments": "48",
              "numberOfOverdueDays": "0",
              "collateral": "Fully Secured"
            }
          ]
        },
        {
          "source": "FIRST_CENTRAL",
          "value": [
            {
              "loanProvider": "Fidelity Bank Plc Lagos",
              "accountNumber": "4010121426",
              "type": "",
              "loanAmount": null,
              "installmentAmount": "0.00",
              "overdueAmount": "0.00",
              "lastPaymentDate": "",
              "loanDuration": "0 Day(s)",
              "dateReported": "23/04/2008",
              "performanceStatus": "Performing",
              "status": "Paid up",
              "outstandingBalance": "0.00",
              "paymentHistory": []
            }
          ]
        }
      ],
      "creditEnquiries": [
        {
          "source": "CRC",
          "value": [
            {
              "loanType": "Overdraft",
              "date": "10-Nov-2022",
              "institutionType": "Micro Lenders"
            },
            {
              "loanType": "Term Loan",
              "date": "14-Oct-2022",
              "institutionType": "Micro Lenders"
            }
          ]
        },
        {
          "source": "FIRST_CENTRAL",
          "value": [
            {
              "loanProvider": "POLARIS BANK LIMITED",
              "date": "15/01/2022"
            }
          ]
        }
      ],
      "loanPerformance": [
        {
          "source": "CRC",
          "value": [
            {
              "loanProvider": "KEYSTONE BANK LIMITED",
              "loanAmount": "NGN   0",
              "accountNumber": "",
              "outstandingBalance": "0",
              "status": "Closed",
              "performanceStatus": "Performing",
              "lastUpdatedAt": "",
              "overdueAmount": "0",
              "type": "",
              "loanCount": 1
            },
            {
              "loanProvider": "OCEANIC BANK INTERNATIONAL PLC",
              "loanAmount": "NGN   0",
              "accountNumber": "",
              "outstandingBalance": "0",
              "status": "Closed",
              "performanceStatus": "Performing",
              "lastUpdatedAt": "",
              "overdueAmount": "0",
              "type": "",
              "loanCount": 1
            }
          ]
        },
        {
          "source": "FIRST_CENTRAL",
          "value": [
            {
              "accountNumber": "9200402741",
              "loanProvider": "ECOBANK Nigeria PLC Lagos",
              "loanAmount": 35483.21,
              "outstandingBalance": 0,
              "overdueAmount": 0,
              "noOfPerforming": 1,
              "noOfNonPerforming": 0,
              "loanCount": 1,
              "performanceStatus": "Performing",
              "status": "Closed"
            },
            {
              "accountNumber": "9200402741",
              "loanProvider": "Stanbic IBTC Bank PLC",
              "loanAmount": 0,
              "outstandingBalance": 0,
              "overdueAmount": 0,
              "noOfPerforming": 2,
              "noOfNonPerforming": 0,
              "loanCount": 2,
              "performanceStatus": "Performing",
              "status": "Closed"
            }
          ]
        }
      ],
      "bureauStatus": {
        "crc": "success",
        "firstCentral": "success"
      },
      "lastReportedDate": [
        {
          "source": "CRC",
          "value": "10/Nov/2022"
        },
        {
          "source": "FIRST_CENTRAL",
          "value": null
        }
      ]
    },
    "searchedDate": "2023-11-23T16:17:36.391Z"
  }
}

​
Field Descriptions

FieldDescriptionType
successIndicates whether the request was successful or not.Boolean
statusCodeThe HTTP status code of the response.Number
messageA message describing the result of the request.String
response_codeThe operational response code.String
dataAn object containing detailed information about the business’s credit history.Object
- _idThe unique identifier for the business credit history record.String
- business_reg_noThe registration number of the business.String
- businessIdThe unique identifier assigned to the business.String
- nameThe name of the business.String
- phoneThe phone number associated with the business.String
- dateOfRegistrationThe date the business was registered.String
- addressThe address of the business.String
- websiteThe website of the business, if available.String
- taxIdentificationNumberThe tax identification number of the business, if available.String
- noOfDirectorsThe number of directors in the business.Number
- industryThe industry in which the business operates.String
- businessTypeThe type of business (e.g., SME, Corporation).String
- emailThe email address associated with the business.String
- scoreAn object containing detailed credit score information.Object
-- directorsA list of directors and their details.Array
-- totalNoOfLoansThe total number of loans associated with the business.Array
-- totalNoOfInstitutionsThe total number of financial institutions the business has interacted with.Array
-- totalNoOfActiveLoansThe total number of active loans the business currently has.Array
-- totalNoOfClosedLoansThe total number of loans that have been closed.Array
-- highestLoanAmountThe highest loan amount the business has taken.Array
-- totalBorrowedThe total amount borrowed by the business.Array
-- totalOutstandingThe total outstanding amount the business owes.Array
-- totalOverdueThe total overdue amount the business owes.Array
-- totalNoOfPerformingLoansThe total number of loans that are performing well.Array
-- totalNoOfDelinquentFacilitiesThe total number of delinquent facilities.Array
-- creditProfileOverviewAn overview of the business’s credit profile.Array
-- totalMonthlyInstallmentThe total monthly installment amount for the business’s loans.Array
-- totalNoOfOverdueAccountsThe total number of overdue accounts.Array
-- loanHistoryA detailed history of the business’s loans.Array
-- creditEnquiriesA list of credit enquiries made about the business.Array
-- loanPerformanceA summary of the business’s loan performance.Array
-- bureauStatusThe status of the credit bureau reports.Object
-- lastReportedDateThe most recent date information was reported to the credit bureau.Array
searchedDateThe date the credit report was searched.String