> ## Documentation Index > Fetch the complete documentation index at: https://docs.smartcomply.com/llms.txt > Use this file to discover all available pages before exploring further. # Vérification de fraude de prêt professionnelle > Évaluez le risque de fraude d'une demande de prêt professionnelle à l'aide des données de l'entreprise et de son historique de crédit. L'endpoint Vérification de fraude de prêt professionnelle évalue une demande de prêt émanant d'une entité commerciale, en combinant les informations d'entreprise soumises avec les données du bureau de crédit pour produire un score de risque de fraude et une analyse financière. ## Endpoint ``` POST /api/v1/loan/fraud_check/ ``` ## Requête ### En-têtes | En-tête | Valeur | Requis | | ---------------- | --------------------- | ------ | | `x-access-token` | Votre clé secrète API | Oui | | `Content-Type` | `multipart/form-data` | Oui | ### Paramètres de corps | Paramètre | Type | Requis | Description | | ------------------------------- | ------- | ------ | ----------------------------------------------------------------------- | | `business_name` | string | Oui | Nom enregistré de l'entreprise | | `business_address` | string | Oui | Adresse de l'entreprise | | `city` | string | Oui | Ville de l'entreprise | | `country` | string | Oui | Pays de l'entreprise | | `identifier` | number | Non | Valeur d'identifiant de l'entreprise (p. ex. numéro RC pour le Nigéria) | | `identifier_type` | string | Non | Clé du type d'identifiant (p. ex. `rc_number`) | | `phone_number` | string | Oui | Numéro de téléphone de l'entreprise | | `email_address` | string | Oui | Adresse e-mail de l'entreprise | | `annual_revenue` | number | Oui | Chiffre d'affaires annuel en monnaie locale | | `bank_name` | string | Oui | Nom de la banque de l'entreprise | | `account_number` | string | Oui | Numéro de compte de l'entreprise | | `loan_amount_requested` | number | Oui | Montant de prêt demandé | | `purpose_of_loan` | string | Non | Objet du prêt | | `loan_repayment_duration_type` | string | Oui | Unité de la durée de remboursement : `weeks`, `months` ou `years` | | `loan_repayment_duration_value` | integer | Oui | Nombre de périodes de remboursement | | `collateral_required` | boolean | Oui | Si une garantie est offerte | | `is_business` | boolean | Oui | Doit être `true` pour les vérifications professionnelles | | `run_aml_check` | boolean | Non | Exécutez une vérification AML. Par défaut `false` | ### Exemple ```bash cURL theme={null} curl -X POST "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/" \ -H "x-access-token: YOUR_SECRET_KEY" \ -F "business_name=Heineken" \ -F "business_address=23 Main Street, Marina" \ -F "city=Lagos" \ -F "country=Nigeria" \ -F "identifier=RC-123456" \ -F "identifier_type=rc_number" \ -F "phone_number=2349012345678" \ -F "email_address=business@example.com" \ -F "annual_revenue=12345678" \ -F "bank_name=Access Bank" \ -F "account_number=1234567890" \ -F "loan_amount_requested=1000000" \ -F "loan_repayment_duration_type=months" \ -F "loan_repayment_duration_value=5" \ -F "collateral_required=false" \ -F "is_business=true" \ -F "run_aml_check=false" ``` ## Réponse ### 200 OK | Champ | Type | Description | | -------------------------------------------------- | ------ | ------------------------------------------------------------------------- | | `data.id` | number | Identifiant interne de l'enregistrement | | `data.business_name` | string | Nom de l'entreprise issu de la demande | | `data.fraud_risk_score` | number | Score global de risque de fraude (0–100 ; plus élevé = risque plus grand) | | `data.recommendation` | string | Évaluation narrative et consignes pour la décision de prêt | | `data.key_financial_analysis.income_stability` | object | Stabilité des revenus avec ratio de revenu disponible | | `data.key_financial_analysis.repayment_duration` | object | Évaluation de l'échéancier de remboursement | | `data.key_financial_analysis.collateral_coverage` | object | Ratio prêt/garantie | | `data.key_financial_analysis.debt_serviceability` | object | Capacité à assurer le service de la dette à partir du chiffre d'affaires | | `data.key_financial_analysis.debt_to_income_ratio` | object | Ratio de service de la dette par rapport au seuil de 40 % | | `data.history` | object | Historique de crédit : prêts totaux, impayés, montants dus | | `data.status` | string | Statut de traitement (p. ex., `reviewed`) | ```json theme={null} { "status": "Success", "data": { "id": 567, "business_name": "Heineken", "country": "Nigeria", "city": "Lagos", "business_address": "23 Main Street, Apapa", "identifier": "RC-123456", "identifier_type_name": "rc_number", "rc_number": "RC-123456", "phone_number": "2349012345678", "annual_revenue": "12345678.00", "loan_amount_requested": 1000000.00, "purpose_of_loan": "Business Expansion", "fraud_risk_score": 62, "recommendation": "The applicant is requesting a loan of ₦1,000,000.00. The applicant's total fraud risk score is 62, which needs to be evaluated against the lender's risk threshold.", "key_financial_analysis": { "income_stability": { "risk_score": 100, "data_source": "submitted data (estimated)", "monthly_income": "1028806.50", "monthly_expenses": "925925.85", "disposable_income": "102880.65", "observation": "Disposable ratio of 10% indicates limited buffer for unexpected expenses." }, "repayment_duration": { "risk_score": 70, "repayment_duration": "Within 5 months" }, "collateral_coverage": { "risk_score": 80, "loan_amount": "1000000.00", "collateral_value": "0.00", "loan_to_collateral_ratio": "0.00%", "observation": "The loan is entirely unsecured." }, "debt_serviceability": { "risk_score": 30, "loan_amount": "1000000.00", "total_repayment": "1040000.0000", "observation": "Monthly repayment constitutes ~20% of monthly income, indicating manageable serviceability." }, "debt_to_income_ratio": { "risk_score": 30, "debt_service_ratio": "20.22%", "observation": "Debt Service Ratio is below the 40% threshold, indicating low debt burden." } }, "history": { "totalOverdue": 54931635, "totalBorrowed": 135582, "totalNoOfLoans": 9, "totalOutstanding": 54931635, "highestLoanAmount": 45194, "totalNoOfActiveLoans": 3, "totalNoOfClosedLoans": 6, "totalNoOfInstitutions": 2, "totalNoOfPerformingLoans": 6, "totalNoOfDelinquentFacilities": 3 }, "is_individual": false, "is_business": true, "status": "reviewed", "date_created": "2025-03-28T02:42:23.815369Z" }, "message": "Loan fraud check processed successfully" } ``` ### 400 Bad Request ```json theme={null} { "status": "failed", "data": [], "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes" } ``` ### 401 Unauthorized ```json theme={null} { "status": "failed", "message": "Authentication credentials were not provided." } ``` ## OpenAPI ````yaml POST /api/v1/loan/fraud_check/ openapi: 3.0.3 info: title: Adhere API description: >- Identity verification, credit checks, transaction monitoring, and loan fraud detection across Africa. version: 3.0.0 servers: - url: https://adhere-api.smartcomply.com description: Production security: - ApiKeyAuth: [] tags: - name: Nigeria KYC - name: Kenya KYC - name: Ghana KYC - name: Rwanda KYC - name: Uganda KYC - name: Document Verification - name: Biometrics - name: Individual Credit - name: Business Credit - name: Transaction Monitoring - name: Transaction Screening - name: Transaction KYC - name: Loan Fraud - name: User Journey paths: /api/v1/loan/fraud_check/: post: tags: - Loan Fraud summary: Loan Fraud Check operationId: loanFraudCheck requestBody: required: true content: multipart/form-data: schema: type: object required: - loan_amount_requested - loan_repayment_duration_type - loan_repayment_duration_value - collateral_required properties: first_name: type: string description: Individual applicant first name last_name: type: string business_name: type: string description: Business name (business applications only) date_of_birth: type: string format: date gender: type: string enum: - male - female country: type: string example: Nigeria current_address: type: string business_address: type: string identifier: type: number description: >- Customer or business identifier value (e.g. BVN for a Nigeria individual, RC number for a Nigeria business, a Kenya national ID number). example: 22244545518 identifier_type: type: string description: >- Key of the identifier type (e.g. bvn, rc_number, national_id, ghana_card). example: bvn phone_number: type: string email_address: type: string format: email employment_type: type: string job_role: type: string employer_name: type: string annual_income: type: number annual_revenue: type: number description: Annual revenue (business only) employment_duration: type: string bank_name: type: string account_number: type: string loan_amount_requested: type: number example: 100000 purpose_of_loan: type: string loan_repayment_duration_type: type: string enum: - weeks - months - years loan_repayment_duration_value: type: integer example: 6 collateral_required: type: boolean default: false collateral: type: string is_individual: type: boolean description: Set true for individual applications is_business: type: boolean description: Set true for business applications run_aml_check: type: boolean default: false responses: '200': description: Loan fraud check processed '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' components: responses: BadRequest: description: Bad Request content: application/json: schema: type: object properties: status: type: string example: failed data: type: array items: {} message: type: string Unauthorized: description: Unauthorized content: application/json: schema: type: object properties: status: type: string example: failed message: type: string example: Authentication credentials were not provided. securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-access-token description: Your Adhere API secret key ````