> ## 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. # Business Loan Fraud Check > Assess the fraud risk of a business loan application using company data and credit history. 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 ```bash cURL theme={null} 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`) | ```json theme={null} { "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 ```json theme={null} { "status": "failed", "data": [], "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes" } ``` ### 401 Unauthorized ```json theme={null} { "status": "failed", "message": "Authentication credentials were not provided." } ``` ## OpenAPI ````yaml POST /api/v1/loan/fraud_check/ 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/v1/loan/fraud_check/: post: tags: - Loan Fraud summary: Loan Fraud Check operationId: loanFraudCheck requestBody: required: true content: multipart/form-data: schema: type: object required: - loan_amount_requested - loan_repayment_duration_type - loan_repayment_duration_value - collateral_required properties: first_name: type: string description: Individual applicant first name last_name: type: string business_name: type: string description: Business name (business applications only) rc_number: type: string description: CAC registration number (business only) date_of_birth: type: string format: date gender: type: string enum: - male - female country: type: string example: Nigeria current_address: type: string business_address: type: string identification_type: type: string example: Passport identification_number: type: string bvn: type: string phone_number: type: string email_address: type: string format: email employment_type: type: string job_role: type: string employer_name: type: string annual_income: type: number annual_revenue: type: number description: Annual revenue (business only) employment_duration: type: string bank_name: type: string account_number: type: string loan_amount_requested: type: number example: 100000 purpose_of_loan: type: string loan_repayment_duration_type: type: string enum: - weeks - months - years loan_repayment_duration_value: type: integer example: 6 collateral_required: type: boolean default: false collateral: type: string is_individual: type: boolean description: Set true for individual applications is_business: type: boolean description: Set true for business applications run_aml_check: type: boolean default: false responses: '200': description: Loan fraud check processed '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 ````