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Fetch a commercial credit report for an entity: credit facilities, repayment history, defaults, enquiries and a commercial score. The counterpart to the consumer credit report for vendor, dealer and borrower assessment.
Your application sends
emver API
Validates the request, queries the source, normalises the answer and logs the call. Billed only on success.
Verified with
Commercial credit bureau
You receive
Lenders and large buyers need to know how a company services its debt before extending credit or long payment terms. The Business Credit Report API returns the entity's bureau history and score, including facilities across lenders, overdue amounts and legal suits, with the consent of the entity.
Combined with Company Financials and GST filing status it gives a rounded picture of counterparty health.
Consent is part of the contract
The entity's authorised signatory must consent before a commercial report is pulled. The consent record is stored with the request.
Commercial bureau report and score for a company or proprietorship.
Headline score and the facilities behind it.
Overdues and suits visible before you commit.
Decision-time pulls for credit desks.
Attaches to the vendor or borrower case file.
Where the Business Credit Report API is typically called, and what it settles there.
Bureau history for term loans and working capital.
Set channel credit limits on bureau data.
Financial reliability before a multi-year contract.
Assess buyers before discounting invoices.
Request and response details, environments and a ready-to-import collection are in the developer console.
Call with your organisation API key. Sandbox and production use the same contract.
Entity PAN or CIN, Entity name and address, Authorised signatory consent as a JSON body. Optional fields sharpen the match.
emver queries the authoritative record, normalises the answer and logs the request.
A verification status plus the fields listed above, in the same response envelope as every other API.
Privacy and security built in
Consent recorded · Payloads not retained beyond your retention window · Every request traceable
FAQ
What teams ask before adding the Business Credit Report API to their integration.
Yes. Proprietor entities are reported under the proprietor's PAN; consumer and commercial reports may both apply.
Consent-based pulls of this kind are recorded as enquiries but treated differently from lender applications by the bureau.
Usually called with the Business Credit Report API, on the same key.
Banking & Credit
Consent-based credit score and report for lending and financial-role screening.
Business & KYB
Filed financial statements, charges and shareholding from the corporate registry.
Business & KYB
Month-by-month GST return filing history for a GSTIN.
Tell us which APIs and what monthly volume. We set up your organisation, approve the APIs with demo hits and share per-call pricing.