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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"
}
'
{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

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.

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