Loan Fraud Check
curl --request POST \
--url https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/ \
--header 'Content-Type: multipart/form-data' \
--header 'x-access-token: <api-key>' \
--form loan_amount_requested=100000 \
--form loan_repayment_duration_value=6 \
--form collateral_required=false \
--form 'first_name=<string>' \
--form 'last_name=<string>' \
--form 'business_name=<string>' \
--form 'rc_number=<string>' \
--form date_of_birth=2023-12-25 \
--form country=Nigeria \
--form 'current_address=<string>' \
--form 'business_address=<string>' \
--form identification_type=Passport \
--form 'identification_number=<string>' \
--form 'bvn=<string>' \
--form 'phone_number=<string>' \
--form email_address=jsmith@example.com \
--form 'employment_type=<string>' \
--form 'job_role=<string>' \
--form 'employer_name=<string>' \
--form annual_income=123 \
--form annual_revenue=123 \
--form 'employment_duration=<string>' \
--form 'bank_name=<string>' \
--form 'account_number=<string>' \
--form 'purpose_of_loan=<string>' \
--form 'collateral=<string>' \
--form is_individual=true \
--form is_business=true \
--form run_aml_check=falseimport requests
url = "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/"
payload = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"
headers = {
"x-access-token": "<api-key>",
"Content-Type": "multipart/form-data"
}
response = requests.post(url, data=payload, headers=headers)
print(response.text)const form = new FormData();
form.append('loan_amount_requested', '100000');
form.append('loan_repayment_duration_value', '6');
form.append('collateral_required', 'false');
form.append('first_name', '<string>');
form.append('last_name', '<string>');
form.append('business_name', '<string>');
form.append('rc_number', '<string>');
form.append('date_of_birth', '2023-12-25');
form.append('country', 'Nigeria');
form.append('current_address', '<string>');
form.append('business_address', '<string>');
form.append('identification_type', 'Passport');
form.append('identification_number', '<string>');
form.append('bvn', '<string>');
form.append('phone_number', '<string>');
form.append('email_address', 'jsmith@example.com');
form.append('employment_type', '<string>');
form.append('job_role', '<string>');
form.append('employer_name', '<string>');
form.append('annual_income', '123');
form.append('annual_revenue', '123');
form.append('employment_duration', '<string>');
form.append('bank_name', '<string>');
form.append('account_number', '<string>');
form.append('purpose_of_loan', '<string>');
form.append('collateral', '<string>');
form.append('is_individual', 'true');
form.append('is_business', 'true');
form.append('run_aml_check', 'false');
const options = {method: 'POST', headers: {'x-access-token': '<api-key>'}};
options.body = form;
fetch('https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/', 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/v1/loan/fraud_check/",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--",
CURLOPT_HTTPHEADER => [
"Content-Type: multipart/form-data",
"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/v1/loan/fraud_check/"
payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-access-token", "<api-key>")
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/v1/loan/fraud_check/")
.header("x-access-token", "<api-key>")
.body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")
.asString();require 'uri'
require 'net/http'
url = URI("https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/")
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.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"
response = http.request(request)
puts response.read_body{
"status": "failed",
"data": [
"<unknown>"
],
"message": "<string>"
}{
"status": "failed",
"message": "Authentication credentials were not provided."
}Loan Fraud Check
Business Loan Fraud Check
Assess the fraud risk of a business loan application using company data and credit history.
POST
/
api
/
v1
/
loan
/
fraud_check
/
Loan Fraud Check
curl --request POST \
--url https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/ \
--header 'Content-Type: multipart/form-data' \
--header 'x-access-token: <api-key>' \
--form loan_amount_requested=100000 \
--form loan_repayment_duration_value=6 \
--form collateral_required=false \
--form 'first_name=<string>' \
--form 'last_name=<string>' \
--form 'business_name=<string>' \
--form 'rc_number=<string>' \
--form date_of_birth=2023-12-25 \
--form country=Nigeria \
--form 'current_address=<string>' \
--form 'business_address=<string>' \
--form identification_type=Passport \
--form 'identification_number=<string>' \
--form 'bvn=<string>' \
--form 'phone_number=<string>' \
--form email_address=jsmith@example.com \
--form 'employment_type=<string>' \
--form 'job_role=<string>' \
--form 'employer_name=<string>' \
--form annual_income=123 \
--form annual_revenue=123 \
--form 'employment_duration=<string>' \
--form 'bank_name=<string>' \
--form 'account_number=<string>' \
--form 'purpose_of_loan=<string>' \
--form 'collateral=<string>' \
--form is_individual=true \
--form is_business=true \
--form run_aml_check=falseimport requests
url = "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/"
payload = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"
headers = {
"x-access-token": "<api-key>",
"Content-Type": "multipart/form-data"
}
response = requests.post(url, data=payload, headers=headers)
print(response.text)const form = new FormData();
form.append('loan_amount_requested', '100000');
form.append('loan_repayment_duration_value', '6');
form.append('collateral_required', 'false');
form.append('first_name', '<string>');
form.append('last_name', '<string>');
form.append('business_name', '<string>');
form.append('rc_number', '<string>');
form.append('date_of_birth', '2023-12-25');
form.append('country', 'Nigeria');
form.append('current_address', '<string>');
form.append('business_address', '<string>');
form.append('identification_type', 'Passport');
form.append('identification_number', '<string>');
form.append('bvn', '<string>');
form.append('phone_number', '<string>');
form.append('email_address', 'jsmith@example.com');
form.append('employment_type', '<string>');
form.append('job_role', '<string>');
form.append('employer_name', '<string>');
form.append('annual_income', '123');
form.append('annual_revenue', '123');
form.append('employment_duration', '<string>');
form.append('bank_name', '<string>');
form.append('account_number', '<string>');
form.append('purpose_of_loan', '<string>');
form.append('collateral', '<string>');
form.append('is_individual', 'true');
form.append('is_business', 'true');
form.append('run_aml_check', 'false');
const options = {method: 'POST', headers: {'x-access-token': '<api-key>'}};
options.body = form;
fetch('https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/', 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/v1/loan/fraud_check/",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--",
CURLOPT_HTTPHEADER => [
"Content-Type: multipart/form-data",
"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/v1/loan/fraud_check/"
payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-access-token", "<api-key>")
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/v1/loan/fraud_check/")
.header("x-access-token", "<api-key>")
.body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")
.asString();require 'uri'
require 'net/http'
url = URI("https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/")
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.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"rc_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_type\"\r\n\r\nPassport\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identification_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bvn\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"
response = http.request(request)
puts response.read_body{
"status": "failed",
"data": [
"<unknown>"
],
"message": "<string>"
}{
"status": "failed",
"message": "Authentication credentials were not provided."
}The Business Loan Fraud Check endpoint evaluates a loan application from a business entity, combining submitted company information with credit bureau data to produce a fraud risk score and financial analysis.
Endpoint
POST /api/v1/loan/fraud_check/
Request
Headers
| Header | Value | Required |
|---|---|---|
x-access-token | Your API secret key | Yes |
Content-Type | multipart/form-data | Yes |
Body Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
business_name | string | Yes | Registered name of the business |
business_address | string | Yes | Business address |
rc_number | string | Yes | CAC registration number (e.g., RC-123456) |
city | string | Yes | City of the business |
country | string | Yes | Country of the business |
phone_number | string | Yes | Business phone number |
email_address | string | Yes | Business email address |
identification_type | string | Yes | ID type used (e.g., Passport, RC Number) |
identification_number | string | Yes | ID number |
annual_revenue | number | Yes | Annual revenue in local currency |
bank_name | string | Yes | Business bank name |
account_number | string | Yes | Business account number |
loan_amount_requested | number | Yes | Requested loan amount |
purpose_of_loan | string | No | Purpose of the loan |
loan_repayment_duration_type | string | Yes | Repayment period unit: weeks, months, or years |
loan_repayment_duration_value | integer | Yes | Number of repayment periods |
collateral_required | boolean | Yes | Whether collateral is being offered |
is_business | boolean | Yes | Must be true for business checks |
run_aml_check | boolean | No | Run an AML check. Defaults to false |
Example
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 "rc_number=RC-123456" \
-F "city=Lagos" \
-F "country=Nigeria" \
-F "phone_number=2349012345678" \
-F "email_address=business@example.com" \
-F "identification_type=RC Number" \
-F "identification_number=RC-123456" \
-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"
Response
200 OK
| Field | Type | Description |
|---|---|---|
data.id | number | Internal record ID |
data.business_name | string | Business name from the application |
data.fraud_risk_score | number | Overall fraud risk score (0–100; higher = greater risk) |
data.recommendation | string | Narrative assessment and guidance for loan decision |
data.key_financial_analysis.income_stability | object | Revenue stability with disposable income ratio |
data.key_financial_analysis.repayment_duration | object | Repayment timeline assessment |
data.key_financial_analysis.collateral_coverage | object | Loan-to-collateral ratio |
data.key_financial_analysis.debt_serviceability | object | Ability to service debt from revenue |
data.key_financial_analysis.debt_to_income_ratio | object | Debt service ratio vs the 40% threshold |
data.history | object | Credit history: total loans, delinquencies, outstanding amounts |
data.status | string | Processing status (e.g., reviewed) |
{
"status": "Success",
"data": {
"id": 567,
"business_name": "Heineken",
"country": "Nigeria",
"city": "Lagos",
"business_address": "23 Main Street, Apapa",
"identification_type": "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
{
"status": "failed",
"data": [],
"message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes"
}
401 Unauthorized
{
"status": "failed",
"message": "Authentication credentials were not provided."
}
Authorizations
Your Adhere API secret key
Body
multipart/form-data
Example:
100000
Available options:
weeks, months, years Example:
6
Individual applicant first name
Business name (business applications only)
CAC registration number (business only)
Available options:
male, female Example:
"Nigeria"
Example:
"Passport"
Annual revenue (business only)
Set true for individual applications
Set true for business applications
Response
Loan fraud check processed
⌘I