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."
}Business
First Central Business Credit History
Retrieve a business’s credit history from the First Central bureau using their registration number.
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
| Header | Value | Required |
|---|---|---|
x-access-token | Your API secret key | Yes |
Content-Type | application/json | Yes |
Body Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
registration_number | string | Yes | The 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
| Field | Type | Description |
|---|---|---|
data._id | string | Unique record ID |
data.business_reg_no | string | Business registration number |
data.name | string | Business name |
data.businessType | string | Business type classification |
data.score.totalNoOfLoans | number | Total loans on record |
data.score.totalNoOfActiveLoans | number | Currently active loans |
data.score.totalNoOfClosedLoans | number | Closed loans |
data.score.totalBorrowed | number | Total amount borrowed |
data.score.totalOutstanding | number | Total outstanding balance |
data.score.totalOverdue | number | Total overdue amount |
data.score.totalNoOfDelinquentFacilities | number | Number of delinquent facilities |
data.searchedDate | string | Date 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."
}
⌘I

