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Credit Report Commercial
Production
https://kyc-api.surepass.app
Production
https://kyc-api.surepass.app
POST
https://kyc-api.surepass.app
Credit Report Commercial
POST /api/v1/credit-report-commercial/fetch-report
Description
This API retrieves a comprehensive commercial credit report for a specified business entity. The report provides detailed financial information including business details, credit score, and a complete credit history. This endpoint is designed to help financial institutions, lenders, and businesses make informed credit decisions by accessing reliable commercial credit data in a structured JSON format.
Key Benefits
- Access comprehensive commercial credit information for risk assessment
- Obtain detailed credit history and payment patterns for business entities
- Evaluate creditworthiness with standardized credit scores and reports
- Make data-driven lending decisions with complete financial insights
Use Cases
- Evaluate business loan applications with comprehensive credit data - Perform risk assessment for commercial lending decisions - Verify business creditworthiness before extending credit lines - Assess potential business partners before establishing trade relationships - Determine appropriate credit terms for business customers - Mitigate risk when entering high-value business contracts - Evaluate commercial insurance applications with credit history data - Assess financial stability of business clients - Determine appropriate premium rates based on credit risk profilesTechnical Implementation
All API requests require authentication using a JWT Bearer token. Authentication follows these steps:- Obtain API Credentials: Register with Surepass to receive your API key.
- Generate JWT Token: Use your API key to generate a JWT token.
- Include in Requests: Add the token to the
Authorizationheader asBearer TOKEN.
Different authentication tokens are used for sandbox and production environments:
- Sandbox:
https://sandbox.surepass.io - Production:
https://kyc-api.surepass.io
| Header | Required | Description |
|---|---|---|
| Authorization | Yes | Bearer token for authentication (JWT format) |
| Content-Type | Yes | Application/json |
Request Body
| Parameter | Type | Required | Description |
|---|---|---|---|
| business_name | String | Yes | The legal name of the business entity |
| pan | String | Yes | Permanent Account Number (PAN) of the business |
| mobile | String | Yes | Contact mobile number associated with the business |
| consent | String | Yes | User consent for accessing credit information (must be "Y") |
Example Request
{
"business_name": "SHAIK SADIQ ALI",
"mobile": "8977715735",
"pan": "IQGPS3724B",
"consent": "Y"
}
| Parameter | Type | Description |
|---|---|---|
| data | Object | Container for the credit report data |
| data.client_id | String | Unique identifier for the client/request |
| data.pan | String | PAN number of the business |
| data.mobile | String | Mobile number associated with the business |
| data.business_name | String | Name of the business entity |
| data.credit_score | String | Credit score of the business (if available) |
| data.credit_report | Object | Complete credit report with detailed information |
| status_code | Integer | HTTP status code of the response |
| success | Boolean | Indicates if the request was successful |
| message | String | Human-readable status message |
| message_code | String | Machine-readable status code |
Example Successful Response
{
"data": {
"client_id": "credit_report_commercial_blcqfwxnzjVYtpHDHpes",
"pan": "IQGPS3724B",
"mobile": "8977715735",
"business_name": "SHAIK SADIQ ALI",
"credit_score": "",
"credit_report": {
"credit_report_s3_key": "",
"credit_report": {
"InquiryResponseHeader": {
"ClientID": "027BB02400",
"CustRefField": "1234",
"ReportOrderNO": "16954344",
"ProductCode": [
"CCR"
],
"SuccessCode": "1",
"Date": "2025-02-26",
"Time": "12:11:49"
},
"CommercialRequestInfo": {
"InquiryPurpose": "9002",
"TransactionAmount": "100",
"BusinessName": "SHAIK SADIQ ALI",
"InquiryAddresses": [
{
"seq": "1",
"AddressType": [
"O"
],
"AddressLine1": "H NO1-11-28 PHULONG NIZAMABAD",
"Locality": "ARMOOR",
"City": "ARMOOR",
"State": "MH",
"Postal": "503001"
}
],
"InquiryPhones": [
{
"seq": "2",
"PhoneType": [
"M"
],
"Number": "8977715735"
}
],
"EmailAddresses": [
{
"seq": "1",
"EmailType": [
""
],
"Email": "test1@equifax.com"
},
{
"seq": "2",
"EmailType": [
""
],
"Email": "test2@equifax.com"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "T",
"IDValue": "IQGPS3724B",
"Source": "Inquiry"
}
],
"CustomFields": [
{
"key": "ProductCategory",
"value": "OnlyCBR"
}
]
},
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"CCRResponse": {
"Status": "1",
"CommercialBureauResponse": {
"Status": "1",
"hit_as_borrower": "11",
"hit_as_guarantor": "00",
"InquiryResponseHeader": {
"ClientID": "027BB02400",
"CustRefField": "1234",
"ReportOrderNO": "16954344",
"TranID": "16954344",
"ProductCode": [
"CCR"
],
"SuccessCode": "1",
"Date": "2025-02-26",
"Time": "12:11:49"
},
"InquiryRequestInfoCommercial": {
"InquiryPurpose": "9002",
"TransactionAmount": "100",
"BusinessName": "SHAIK SADIQ ALI",
"InquiryAddresses": [
{
"seq": "1",
"AddressType": [
"Office"
],
"AddressLine1": "H NO1-11-28 PHULONG NIZAMABAD",
"Locality": "ARMOOR",
"City": "ARMOOR",
"State": "MH",
"Postal": "503001"
}
],
"InquiryPhones": [
{
"seq": "2",
"PhoneType": [
"M"
],
"Number": "8977715735"
}
],
"EmailAddresses": [
{
"seq": "1",
"EmailType": [
""
],
"Email": "test1@equifax.com"
},
{
"seq": "2",
"EmailType": [
""
],
"Email": "test2@equifax.com"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "T",
"IDValue": "IQGPS3724B",
"Source": "Inquiry"
}
],
"CustomFields": [
{
"key": "ProductCategory",
"value": "OnlyCBR"
}
]
},
"CommercialBureauResponseDetails": {
"IDAndContactInfo": {
"CommercialPersonalInfo": {
"BusinessName": "SHAIK SADIQ ALI",
"BusinessLegalConstitution": "Not classified",
"BusinessCategory": "Others",
"BusinessIndustryType": "Others",
"ClassActivity": "52102",
"roc_BusinessLegalConstitution": false,
"roc_ClassActivity": false
},
"CommercialIdentityInfo": {
"PANId": [
{
"IdNumber": "IQGPS3724B"
}
],
"roc_CIN": false,
"Dunsnbr": [
{
"seq": "1",
"IdNumber": "999999999"
}
]
},
"CommercialAddressInfo": [
{
"Seq": "0",
"ReportedDate": "2020-03-31",
"Address": " H NO1-11-28 PHULONG NIZAMABAD NIZAMABAD",
"State": "Telangana",
"Postal": "503001",
"Type": "Registered Office",
"City": "ARMOOR",
"District": "Nizamabad",
"Country": "India"
}
],
"CommercialPhoneInfo": [
{
"typeCode": "M",
"Number": "8977715735"
}
]
},
"CommercialCIRSummary": {
"CommercialHeaderDetails": {
"member_name": "ICICI BANK LIMITED",
"last_updated_on": "31-03-2020"
},
"SeverityGrid": {
"SeverityGridDetailsMap": {
"2022-2023": {},
"2023-2024": {},
"2024-2025": {}
}
},
"EquifaxScoresCommercial": {
"CommercialScoreDetailsLst": [
{
"ScoreName": "Equifax Commercial Rank",
"ScoredEntity": "SHAIK SADIQ ALI",
"Relationship": "Borrower",
"ScoreValue": "7"
}
]
},
"OverallCreditSummary": {
"AsBorrower": {
"2022-2023": {
"CF_Count": 1,
"OpenCF_Count": 1,
"Lenders_Count": 1,
"SanctionedAmtOpenCF_Sum": 200000,
"CurrentBalanceOpenCF_Sum": 32443
},
"2023-2024": {
"CF_Count": 1,
"OpenCF_Count": 1,
"Lenders_Count": 1,
"SanctionedAmtOpenCF_Sum": 200000,
"CurrentBalanceOpenCF_Sum": 32443
},
"2024-2025": {
"CF_Count": 1,
"OpenCF_Count": 1,
"Lenders_Count": 1,
"SanctionedAmtOpenCF_Sum": 200000,
"CurrentBalanceOpenCF_Sum": 32443
}
},
"AsGuarantor": {
"2022-2023": {},
"2023-2024": {},
"2024-2025": {}
}
},
"OpenCreditFacilitySummary": {
"AsBorrower": {
"Off-Member PSU Bank": {
"OpenCF_Count": 1,
"SanctionedAmount_Sum": 200000,
"CurrentBalance_Sum": 32443,
"OverdueAmount_Sum": 0
}
},
"AsGuarantor": {}
},
"DelinquencySummary": {
"AsBorrower": {},
"AsGuarantor": {},
"ForGuarantorRelatedEntitiesIndividuals": {}
},
"DerogSummary": {},
"CreditTypeSummary": {
"AsBorrowerOnMember": {
"STD": {
"DPD 0": {},
"DPD 1-30": {},
"DPD 31-60": {},
"DPD 61-90": {},
"SMA 0": {},
"SMA 1": {},
"SMA 2": {},
"OVERDUE": {}
},
"NONSTD": {
"DPD 91-180": {},
"DPD > 180": {},
"SUB": {},
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://kyc-api.surepass.app/api/v1/credit-report-commercial/fetch-report' \
--header 'Content-Type: application/json' \
--data-raw '{
"business_name": "SHAIK SADIQ ALI",
"mobile": "8977715735",
"pan": "IQGPS3724B",
"consent": "Y"
}'Response Response Example
200 - Success
{
"data": {
"client_id": "credit_report_commercial_blcqfwxnzjVYtpHDHpes",
"pan": "IQGPS3724B",
"mobile": "8977715735",
"business_name": "SHAIK SADIQ ALI",
"credit_score": "",
"credit_report": {
"credit_report_s3_key": "",
"credit_report": {
"InquiryResponseHeader": {
"ClientID": "027BB02400",
"CustRefField": "1234",
"ReportOrderNO": "16954344",
"ProductCode": [
"CCR"
],
"SuccessCode": "1",
"Date": "2025-02-26",
"Time": "12:11:49"
},
"CommercialRequestInfo": {
"InquiryPurpose": "9002",
"TransactionAmount": "100",
"BusinessName": "SHAIK SADIQ ALI",
"InquiryAddresses": [
{
"seq": "1",
"AddressType": [
"O"
],
"AddressLine1": "H NO1-11-28 PHULONG NIZAMABAD",
"Locality": "ARMOOR",
"City": "ARMOOR",
"State": "MH",
"Postal": "503001"
}
],
"InquiryPhones": [
{
"seq": "2",
"PhoneType": [
"M"
],
"Number": "8977715735"
}
],
"EmailAddresses": [
{
"seq": "1",
"EmailType": [
""
],
"Email": "test1@equifax.com"
},
{
"seq": "2",
"EmailType": [
""
],
"Email": "test2@equifax.com"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "T",
"IDValue": "IQGPS3724B",
"Source": "Inquiry"
}
],
"CustomFields": [
{
"key": "ProductCategory",
"value": "OnlyCBR"
}
]
},
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"CCRResponse": {
"Status": "1",
"CommercialBureauResponse": {
"Status": "1",
"hit_as_borrower": "11",
"hit_as_guarantor": "00",
"InquiryResponseHeader": {
"ClientID": "027BB02400",
"CustRefField": "1234",
"ReportOrderNO": "16954344",
"TranID": "16954344",
"ProductCode": [
"CCR"
],
"SuccessCode": "1",
"Date": "2025-02-26",
"Time": "12:11:49"
},
"InquiryRequestInfoCommercial": {
"InquiryPurpose": "9002",
"TransactionAmount": "100",
"BusinessName": "SHAIK SADIQ ALI",
"InquiryAddresses": [
{
"seq": "1",
"AddressType": [
"Office"
],
"AddressLine1": "H NO1-11-28 PHULONG NIZAMABAD",
"Locality": "ARMOOR",
"City": "ARMOOR",
"State": "MH",
"Postal": "503001"
}
],
"InquiryPhones": [
{
"seq": "2",
"PhoneType": [
"M"
],
"Number": "8977715735"
}
],
"EmailAddresses": [
{
"seq": "1",
"EmailType": [
""
],
"Email": "test1@equifax.com"
},
{
"seq": "2",
"EmailType": [
""
],
"Email": "test2@equifax.com"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "T",
"IDValue": "IQGPS3724B",
"Source": "Inquiry"
}
],
"CustomFields": [
{
"key": "ProductCategory",
"value": "OnlyCBR"
}
]
},
"CommercialBureauResponseDetails": {
"IDAndContactInfo": {
"CommercialPersonalInfo": {
"BusinessName": "SHAIK SADIQ ALI",
"BusinessLegalConstitution": "Not classified",
"BusinessCategory": "Others",
"BusinessIndustryType": "Others",
"ClassActivity": "52102",
"roc_BusinessLegalConstitution": false,
"roc_ClassActivity": false
},
"CommercialIdentityInfo": {
"PANId": [
{
"IdNumber": "IQGPS3724B"
}
],
"roc_CIN": false,
"Dunsnbr": [
{
"seq": "1",
"IdNumber": "999999999"
}
]
},
"CommercialAddressInfo": [
{
"Seq": "0",
"ReportedDate": "2020-03-31",
"Address": " H NO1-11-28 PHULONG NIZAMABAD NIZAMABAD",
"State": "Telangana",
"Postal": "503001",
"Type": "Registered Office",
"City": "ARMOOR",
"District": "Nizamabad",
"Country": "India"
}
],
"CommercialPhoneInfo": [
{
"typeCode": "M",
"Number": "8977715735"
}
]
},
"CommercialCIRSummary": {
"CommercialHeaderDetails": {
"member_name": "ICICI BANK LIMITED",
"last_updated_on": "31-03-2020"
},
"SeverityGrid": {
"SeverityGridDetailsMap": {
"2022-2023": {},
"2023-2024": {},
"2024-2025": {}
}
},
"EquifaxScoresCommercial": {
"CommercialScoreDetailsLst": [
{
"ScoreName": "Equifax Commercial Rank",
"ScoredEntity": "SHAIK SADIQ ALI",
"Relationship": "Borrower",
"ScoreValue": "7"
}
]
},
"OverallCreditSummary": {
"AsBorrower": {
"2022-2023": {
"CF_Count": 1,
"OpenCF_Count": 1,
"Lenders_Count": 1,
"SanctionedAmtOpenCF_Sum": 200000,
"CurrentBalanceOpenCF_Sum": 32443
},
"2023-2024": {
"CF_Count": 1,
"OpenCF_Count": 1,
"Lenders_Count": 1,
"SanctionedAmtOpenCF_Sum": 200000,
"CurrentBalanceOpenCF_Sum": 32443
},
"2024-2025": {
"CF_Count": 1,
"OpenCF_Count": 1,
"Lenders_Count": 1,
"SanctionedAmtOpenCF_Sum": 200000,
"CurrentBalanceOpenCF_Sum": 32443
}
},
"AsGuarantor": {
"2022-2023": {},
"2023-2024": {},
"2024-2025": {}
}
},
"OpenCreditFacilitySummary": {
"AsBorrower": {
"Off-Member PSU Bank": {
"OpenCF_Count": 1,
"SanctionedAmount_Sum": 200000,
"CurrentBalance_Sum": 32443,
"OverdueAmount_Sum": 0
}
},
"AsGuarantor": {}
},
"DelinquencySummary": {
"AsBorrower": {},
"AsGuarantor": {},
"ForGuarantorRelatedEntitiesIndividuals": {}
},
"DerogSummary": {},
"CreditTypeSummary": {
"AsBorrowerOnMember": {
"STD": {
"DPD 0": {},
"DPD 1-30": {},
"DPD 31-60": {},
"DPD 61-90": {},
"SMA 0": {},
"SMA 1": {},
"SMA 2": {},
"OVERDUE": {}
},
"NONSTD": {
"DPD 91-180": {},
"DPD > 180": {},
"SUB": {},
"RES": {},
"NPA": {},
"DBT": {},
"LOSS": {}
},
"CLOSED": {
"CLOSED": {}
},
"OTHERS": {
"OTHERS": {}
}
},
"AsBorrowerOffMember": {
"STD": {
"DPD 0": {
"TL_CFCount": 1,
"Total_CFCount": 1,
"TL_Amt": 32443,
"Total_Amt": 32443
},
"DPD 1-30": {},
"DPD 31-60": {},
"DPD 61-90": {},
"SMA 0": {},
"SMA 1": {},
"SMA 2": {},
"OVERDUE": {}
},
"NONSTD": {
"DPD 91-180": {},
"DPD > 180": {},
"SUB": {},
"RES": {},
"NPA": {},
"DBT": {},
"LOSS": {}
},
"CLOSED": {
"CLOSED": {}
},
"OTHERS": {
"OTHERS": {}
}
},
"AsGuarantorOnMember": {
"STD": {
"DPD 0": {},
"DPD 1-30": {},
"DPD 31-60": {},
"DPD 61-90": {},
"SMA 0": {},
"SMA 1": {},
"SMA 2": {},
"OVERDUE": {}
},
"NONSTD": {
"DPD 91-180": {},
"DPD > 180": {},
"SUB": {},
"RES": {},
"NPA": {},
"DBT": {},
"LOSS": {}
},
"CLOSED": {
"CLOSED": {}
},
"OTHERS": {
"OTHERS": {}
}
},
"AsGuarantorOffMember": {
"STD": {
"DPD 0": {},
"DPD 1-30": {},
"DPD 31-60": {},
"DPD 61-90": {},
"SMA 0": {},
"SMA 1": {},
"SMA 2": {},
"OVERDUE": {}
},
"NONSTD": {
"DPD 91-180": {},
"DPD > 180": {},
"SUB": {},
"RES": {},
"NPA": {},
"DBT": {},
"LOSS": {}
},
"CLOSED": {
"CLOSED": {}
},
"OTHERS": {
"OTHERS": {}
}
}
}
},
"CreditFacilityDetails": [
{
"account_number": "00000037005530994",
"sanctiondate_loanactivation": "2018-05-02",
"sanctioned_amount_notional_amountofcontract": "200000",
"currency_code": "INR",
"credit_type": "Medium term loan (period above 1 year and up to 3 years)",
"tenure_weighted_avg_maturityperiod": "60",
"repayment_frequency": "Monthly",
"drawing_power": "184719",
"current_balance_limit_utilized_marktomarket": "32443",
"loan_expiry_maturity_date": "2023-05-02",
"assetclassification_dayspastdue": "0 dpd",
"amount_overdue_limit_overdue": "0",
"installment_amount": "1392",
"account_status": "Open",
"asset_based_security_coverage": "Full",
"guarantee_coverage": "Nil",
"wilful_default_status": "Not Wilful Defaulter",
"dispute_id_no": "22",
"dt_reported_lst": "2020-03-31",
"credit_type_group": "TL",
"member_type": "Off-Member",
"sector_type": "PSU Bank-1",
"member_branch_cd": "11986",
"accountSeqNo": "1B",
"History48Months": [
{
"account_number": "00000037005530994",
"current_balance_limit_utilized_marktomarket": "32443",
"assetclassification_dayspastdue": "0 dpd",
"amount_overdue_limit_overdue": "0",
"account_status": "OPN",
"wilful_default_status": "Not Wilful Defaulter",
"dt_reported_lst": "2020-03-31",
"yyyymm": "2020-03",
"sanctiondate_loanactivation": "2018-05-02",
"sanctioned_amount_notional_amountofcontract": "200000",
"currency_code": "INR",
"credit_type": "Medium term loan (period above 1 year and up to 3 years)",
"tenure_weighted_avg_maturityperiod": "60",
"repayment_frequency": "Monthly",
"drawing_power": "184719",
"loan_expiry_maturity_date": "2023-05-02",
"installment_amount": "1392",
"asset_based_security_coverage": "Full",
"guarantee_coverage": "Nil",
"overduebucket": "DPD 0"
}
],
"SecuritySgmnt": [
{
"value_of_security": "400000",
"currency_type": "INR",
"type_of_security": "Other Assets",
"security_classification": "Primary – First Charge",
"date_of_valuation": "2018-05-02"
}
],
"account_status_code": "01"
}
],
"EnquirySummary": {
"Purpose": "ALL",
"Total": "16",
"Past30Days": "16",
"Past12Months": "16",
"Past24Months": "16"
},
"RecentEnquiries": [
{
"seq": "0",
"Institution": "TEST BANK",
"Date": "2023-12-06",
"Time": "07:10",
"Amount": "100"
},
{
"seq": "1",
"Institution": "TEST BANK",
"Date": "2024-03-04",
"Time": "07:14",
"Amount": "100"
},
{
"seq": "2",
"Institution": "TEST BANK",
"Date": "2024-05-08",
"Time": "09:37",
"Amount": "100"
},
{
"seq": "3",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-17",
"Time": "07:28",
"Amount": "100"
},
{
"seq": "4",
"Institution": "HDFC Bank Limited",
"Date": "2024-08-05",
"Time": "05:59",
"Amount": "100"
},
{
"seq": "5",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-15",
"Time": "13:28",
"Amount": "100"
},
{
"seq": "6",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-24",
"Time": "08:13",
"Amount": "100"
},
{
"seq": "7",
"Institution": "TEST BANK",
"Date": "2023-11-08",
"Time": "09:51",
"Amount": "100"
},
{
"seq": "8",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-19",
"Time": "10:36",
"Amount": "100"
},
{
"seq": "9",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-17",
"Time": "07:17",
"Amount": "100"
},
{
"seq": "10",
"Institution": "TEST BANK",
"Date": "2024-05-08",
"Time": "09:38",
"Amount": "100"
},
{
"seq": "11",
"Institution": "HDFC Bank Limited",
"Date": "2024-08-07",
"Time": "04:26",
"Amount": "100"
},
{
"seq": "12",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-17",
"Time": "07:18",
"Amount": "100"
},
{
"seq": "13",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-24",
"Time": "08:49",
"Amount": "100"
},
{
"seq": "14",
"Institution": "HDFC Bank Limited",
"Date": "2024-07-16",
"Time": "04:20",
"Amount": "100"
},
{
"seq": "15",
"Institution": "HDFC Bank Limited",
"Date": "2024-08-05",
"Time": "06:02",
"Amount": "100"
}
],
"GurantorCFSummary": {}
}
}
}
},
"credit_score": ""
}
},
"status_code": 200,
"success": true,
"message": "Success",
"message_code": "success"
}Request
Header Params
Body Params application/json