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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=false
import 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

HeaderValueRequired
x-access-tokenYour API secret keyYes
Content-Typemultipart/form-dataYes

​
Body Parameters

ParameterTypeRequiredDescription
business_namestringYesRegistered name of the business
business_addressstringYesBusiness address
rc_numberstringYesCAC registration number (e.g., RC-123456)
citystringYesCity of the business
countrystringYesCountry of the business
phone_numberstringYesBusiness phone number
email_addressstringYesBusiness email address
identification_typestringYesID type used (e.g., Passport, RC Number)
identification_numberstringYesID number
annual_revenuenumberYesAnnual revenue in local currency
bank_namestringYesBusiness bank name
account_numberstringYesBusiness account number
loan_amount_requestednumberYesRequested loan amount
purpose_of_loanstringNoPurpose of the loan
loan_repayment_duration_typestringYesRepayment period unit: weeks, months, or years
loan_repayment_duration_valueintegerYesNumber of repayment periods
collateral_requiredbooleanYesWhether collateral is being offered
is_businessbooleanYesMust be true for business checks
run_aml_checkbooleanNoRun 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

FieldTypeDescription
data.idnumberInternal record ID
data.business_namestringBusiness name from the application
data.fraud_risk_scorenumberOverall fraud risk score (0–100; higher = greater risk)
data.recommendationstringNarrative assessment and guidance for loan decision
data.key_financial_analysis.income_stabilityobjectRevenue stability with disposable income ratio
data.key_financial_analysis.repayment_durationobjectRepayment timeline assessment
data.key_financial_analysis.collateral_coverageobjectLoan-to-collateral ratio
data.key_financial_analysis.debt_serviceabilityobjectAbility to service debt from revenue
data.key_financial_analysis.debt_to_income_ratioobjectDebt service ratio vs the 40% threshold
data.historyobjectCredit history: total loans, delinquencies, outstanding amounts
data.statusstringProcessing 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

​
x-access-token
string
header
required

Your Adhere API secret key

Body

multipart/form-data
​
loan_amount_requested
number
required
Example:

100000

​
loan_repayment_duration_type
enum<string>
required
Available options:
weeks,
months,
years
​
loan_repayment_duration_value
integer
required
Example:

6

​
collateral_required
boolean
default:false
required
​
first_name
string

Individual applicant first name

​
last_name
string
​
business_name
string

Business name (business applications only)

​
rc_number
string

CAC registration number (business only)

​
date_of_birth
string<date>
​
gender
enum<string>
Available options:
male,
female
​
country
string
Example:

"Nigeria"

​
current_address
string
​
business_address
string
​
identification_type
string
Example:

"Passport"

​
identification_number
string
​
bvn
string
​
phone_number
string
​
email_address
string<email>
​
employment_type
string
​
job_role
string
​
employer_name
string
​
annual_income
number
​
annual_revenue
number

Annual revenue (business only)

​
employment_duration
string
​
bank_name
string
​
account_number
string
​
purpose_of_loan
string
​
collateral
string
​
is_individual
boolean

Set true for individual applications

​
is_business
boolean

Set true for business applications

​
run_aml_check
boolean
default:false

Response

Loan fraud check processed