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POST
/
api
/
onboarding
/
business
/
first_central
/
First Central Business Credit History
curl --request POST \
  --url https://adhere-api.smartcomply.com/api/onboarding/business/first_central/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "registration_number": "RC-123456"
}
'
import requests

url = "https://adhere-api.smartcomply.com/api/onboarding/business/first_central/"

payload = { "registration_number": "RC-123456" }
headers = {
"x-access-token": "<api-key>",
"Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)
const options = {
method: 'POST',
headers: {'x-access-token': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({registration_number: 'RC-123456'})
};

fetch('https://adhere-api.smartcomply.com/api/onboarding/business/first_central/', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));
<?php

$curl = curl_init();

curl_setopt_array($curl, [
CURLOPT_URL => "https://adhere-api.smartcomply.com/api/onboarding/business/first_central/",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'registration_number' => 'RC-123456'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-access-token: <api-key>"
],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}
package main

import (
"fmt"
"strings"
"net/http"
"io"
)

func main() {

url := "https://adhere-api.smartcomply.com/api/onboarding/business/first_central/"

payload := strings.NewReader("{\n \"registration_number\": \"RC-123456\"\n}")

req, _ := http.NewRequest("POST", url, payload)

req.Header.Add("x-access-token", "<api-key>")
req.Header.Add("Content-Type", "application/json")

res, _ := http.DefaultClient.Do(req)

defer res.Body.Close()
body, _ := io.ReadAll(res.Body)

fmt.Println(string(body))

}
HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/onboarding/business/first_central/")
.header("x-access-token", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"registration_number\": \"RC-123456\"\n}")
.asString();
require 'uri'
require 'net/http'

url = URI("https://adhere-api.smartcomply.com/api/onboarding/business/first_central/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"registration_number\": \"RC-123456\"\n}"

response = http.request(request)
puts response.read_body
{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}
{
"status": "failed",
"message": "Authentication credentials were not provided."
}
The First Central Business Credit History endpoint provides a comprehensive record of a business’s credit-related activities via the First Central bureau, including loan accounts, payment timelines, credit utilization, and delinquency status.

Endpoint

POST /api/onboarding/business/first_central/

Request

Headers

HeaderValueRequired
x-access-tokenYour API secret keyYes
Content-Typeapplication/jsonYes

Body Parameters

ParameterTypeRequiredDescription
registration_numberstringYesThe business RC or registration number

Example

curl -X POST "https://adhere-api.smartcomply.com/api/onboarding/business/first_central/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{"registration_number": "RC123456"}'

Response

200 OK

FieldTypeDescription
data._idstringUnique record ID
data.business_reg_nostringBusiness registration number
data.namestringBusiness name
data.businessTypestringBusiness type classification
data.score.totalNoOfLoansnumberTotal loans on record
data.score.totalNoOfActiveLoansnumberCurrently active loans
data.score.totalNoOfClosedLoansnumberClosed loans
data.score.totalBorrowednumberTotal amount borrowed
data.score.totalOutstandingnumberTotal outstanding balance
data.score.totalOverduenumberTotal overdue amount
data.score.totalNoOfDelinquentFacilitiesnumberNumber of delinquent facilities
data.searchedDatestringDate this report was retrieved
{
  "status": "success",
  "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, LAGOS NIGERIA",
    "businessType": "SMALLANDMEDIUMSCALEENTERPRISE",
    "email": "capitalasset@gmail.com",
    "score": {
      "totalNoOfLoans": 9,
      "totalNoOfActiveLoans": 3,
      "totalNoOfClosedLoans": 6,
      "totalNoOfInstitutions": 2,
      "totalOverdue": 54931635,
      "totalBorrowed": 135582,
      "highestLoanAmount": 45194,
      "totalOutstanding": 54931635,
      "totalNoOfOverdueAccounts": 3,
      "totalNoOfPerformingLoans": 6,
      "totalNoOfDelinquentFacilities": 3,
      "firstCentralEnquiryResultID": "24327937"
    },
    "searchedDate": "2023-11-23T16:17:16.672Z"
  },
  "message": "First Central check successful"
}

400 Bad Request

{
  "status": "failed",
  "data": [],
  "message": "Missing required fields"
}

401 Unauthorized

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

Authorizations

x-access-token
string
header
required

Your Adhere API secret key

Body

application/json
registration_number
string
required
Example:

"RC-123456"

Response

First Central business history retrieved