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Banking & Credit

Business Credit Report API

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.

Response
Real-time
Inputs
3 required
Consent
Recorded per request
Billing
Per successful call
Get API access API reference
POST /v1/business-credit-report
Sandbox · Production

  1. Your application sends

    • Entity PAN or CIN*
    • Entity name and address*
    • Authorised signatory consent*

  2. Profiden API

    Validates the request, queries the source, normalises the answer and logs the call. Billed only on success.

  3. Verified with

    Commercial credit bureau

  4. You receive

    • Commercial credit score
    • Credit facilities and outstanding
    • Repayment history and overdues
    • Suits and defaults
    • Recent enquiries
    • Full report (secure link)
business-credit-report Full reference

What the Business Credit Report API does

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.

Benefits of the Business Credit Report API

Commercial bureau report and score for a company or proprietorship.

Score plus detail

Headline score and the facilities behind it.

Defaults surfaced

Overdues and suits visible before you commit.

Real-time

Decision-time pulls for credit desks.

Report-ready

Attaches to the vendor or borrower case file.

Use cases

Business Credit Report API use cases

Where the Business Credit Report API is typically called, and what it settles there.

Business lending

Bureau history for term loans and working capital.

Dealer and distributor credit

Set channel credit limits on bureau data.

Large-vendor onboarding

Financial reliability before a multi-year contract.

Trade credit and factoring

Assess buyers before discounting invoices.

How the Business Credit Report API works

Request and response details, environments and a ready-to-import collection are in the developer console at console.profiden.com.

01

Authenticate

Call with your organisation API key. Sandbox and production use the same contract.

02

Send the inputs

Entity PAN or CIN, Entity name and address, Authorised signatory consent as a JSON body. Optional fields sharpen the match.

03

We verify at source

Profiden queries the authoritative record, normalises the answer and logs the request.

04

Act on the result

A verification status plus the fields listed above, in the same response envelope as every other API.

Open the Business Credit Report reference

Built for the DPDP Act 2023

Consent recorded · Payloads not retained beyond your retention window · Every request traceable

Encryption in transit and at rest
Data processed in India
Per-request audit trail
Masked identifiers in responses

Business Credit Report API: frequently asked questions

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.

Related APIs

APIs that usually run alongside the Business Credit Report API, on the same key.

All APIs

Credit Report

Banking & Credit

Consent-based credit score and report for lending and financial-role screening.

Company Financials (MCA)

Business & KYB

Filed financial statements, charges and shareholding from the corporate registry.

GST Return Filing Status

Business & KYB

Month-by-month GST return filing history for a GSTIN.

More Banking & Credit APIs

Get access to the Business Credit Report API

Tell us your use case and expected volume. We set up the organisation, share per-call pricing and issue keys.

Get API access Developer console