> ## 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.

# First Central Business Credit History

> Retrieve a business's credit history from the First Central bureau using their registration number.

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

<CodeGroup>
  ```bash cURL theme={null}
  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"}'
  ```
</CodeGroup>

## 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  |

```json theme={null}
{
  "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

```json theme={null}
{
  "status": "failed",
  "data": [],
  "message": "Missing required fields"
}
```

### 401 Unauthorized

```json theme={null}
{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}
```


## OpenAPI

````yaml POST /api/onboarding/business/first_central/
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: Biometrics
  - name: Individual Credit
  - name: Business Credit
  - name: Transaction Monitoring
  - name: Transaction Screening
  - name: Transaction KYC
  - name: Loan Fraud
  - name: User Journey
paths:
  /api/onboarding/business/first_central/:
    post:
      tags:
        - Business Credit
      summary: First Central Business Credit History
      operationId: firstCentralBusiness
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - registration_number
              properties:
                registration_number:
                  type: string
                  example: RC-123456
      responses:
        '200':
          description: First Central business history retrieved
        '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

````