SME Premium
GET: https://api.creditchek.africa/v1/credit/sme/premium?business_reg_no=RC123456
Sample request reg_no: RC123456
Request Parameters
| Name | Position | Required | Description |
|---|---|---|---|
| token | Headers | True | app public key |
| business_reg_no | query | True | business rc number |
Example Request
---
curl --location --request GET 'https://api.creditchek.africa/v1/credit/sme/premium?business_reg_no=RC123456'
---
Response
{
"status": true,
"data": {
"_id": "6356b00933492b699c22ead7",
"business_reg_no": "BN2543867",
"businessId": "6287757348cc6c0013f4d0a0",
"name": "INTER SENDOX SUPPLY SYSTEM",
"dateOfRegistration": "09/10/2017",
"website": "",
"taxIdentificationNumber": "",
"noOfDirectors": 0,
"industry": "",
"businessType": "SUPPYSYSTEM",
"address": "NO 21 KUSA STREET SHOMOLU LAGOS",
"phone": "2348029071110",
"email": "[email protected]",
"score": {
"directors": [
{
"source": "CRC",
"value": []
},
{
"source": "FIRST_CENTRAL",
"value": []
}
],
"totalNoOfLoans": [
{
"source": "CRC",
"value": 15
},
{
"source": "FIRST_CENTRAL",
"value": 225
}
],
"totalNoOfInstitutions": [
{
"source": "CRC",
"value": 2
},
{
"source": "FIRST_CENTRAL",
"value": 2
}
],
"totalNoOfActiveLoans": [
{
"source": "CRC",
"value": 1
},
{
"source": "FIRST_CENTRAL",
"value": 30
}
],
"totalNoOfClosedLoans": [
{
"source": "CRC",
"value": 14
},
{
"source": "FIRST_CENTRAL",
"value": 195
}
],
"highestLoanAmount": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": 500000
}
],
"totalBorrowed": [
{
"source": "CRC",
"value": 5476000
},
{
"source": "FIRST_CENTRAL",
"value": 82140000
}
],
"totalOutstanding": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": 3315090
}
],
"totalOverdue": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": 3315090
}
],
"totalNoOfPerformingLoans": [
{
"source": "CRC",
"value": 15
},
{
"source": "FIRST_CENTRAL",
"value": 210
}
],
"totalNoOfDelinquentFacilities": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": 15
}
],
"creditProfileOverview": [
{
"source": "CRC",
"value": [
{
"indicator": "Maximum number of days overdue in the last 12 months",
"indicatorType": "MAX_OVERDUE_DAYS",
"value": "175"
},
{
"indicator": "Maximum number of facilities overdue in the last 12 months",
"indicatorType": "MAX_OVERDUE_FACILITY",
"value": "1"
},
{
"indicator": "Number of Inquiries in the last 12 months",
"indicatorType": "INQUIRY_COUNT_3M",
"value": "3"
},
{
"indicator": "Number of Dishonour Cheques",
"indicatorType": "CHEQUE_DISHONOURS",
"value": "0"
},
{
"indicator": "Number of Suit Filed",
"indicatorType": "SUITS_FILED",
"value": "0"
},
{
"indicator": "Number of Guaranteed Loans",
"indicatorType": "GUARANTEED_LOANS",
"value": "0"
},
{
"indicator": "First Credit Reported Date",
"indicatorType": "FIRST_REPORTED",
"value": "31-Jan-2018"
}
]
},
{
"source": "FIRST_CENTRAL",
"value": []
}
],
"totalMonthlyInstallment": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": 88816500
}
],
"totalNoOfOverdueAccounts": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": 15
}
],
"loanHistory": [
{
"source": "CRC",
"value": [
{
"accountNumber": "023503382500010001000",
"loanProvider": "GT BANK",
"type": "Advance/ Overdraft Facility",
"loanAmount": "0",
"overdueAmount": "0",
"amountWrittenOff": "",
"currency": "NGN",
"lastPaymentDate": "",
"loanDuration": null,
"dateReported": "31-Dec-2019",
"performanceStatus": "Performing",
"rankings": "1-0",
"reason": "Open",
"outstandingBalance": "0",
"paymentHistory": [],
"loanStatus": "A",
"maturityDate": "17-Dec-2019",
"numberOfInstallments": "",
"numberOfOverdueDays": "0",
"collateral": "Unsecured"
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014210014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "500,000.00",
"installmentAmount": "533,500.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "20/07/2018",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014200014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "500,000.00",
"installmentAmount": "545,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "26/03/2018",
"disbursedDate": "26/03/2018",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014159014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "300,000.00",
"installmentAmount": "327,000.00",
"overdueAmount": "221,006.31",
"lastPaymentDate": "31/12/2021",
"loanDuration": "90 Day(s)",
"dateReported": "13/08/2021",
"disbursedDate": "13/08/2021",
"performanceStatus": "DOUBTFUL",
"status": "OPEN",
"outstandingBalance": "221,006.31",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014158014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "300,000.00",
"installmentAmount": "327,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "25/03/2021",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014157014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "300,000.00",
"installmentAmount": "327,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "25/03/2021",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014156014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "300,000.00",
"installmentAmount": "327,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "120 Day(s)",
"dateReported": "",
"disbursedDate": "16/01/2020",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014155014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "300,000.00",
"installmentAmount": "100,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "15/01/2020",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014154014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "400,000.00",
"installmentAmount": "432,400.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "24/10/2019",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014153014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "500,000.00",
"installmentAmount": "545,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "19/07/2019",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014152014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "500,000.00",
"installmentAmount": "543,500.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "14/01/2019",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014151014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "500,000.00",
"installmentAmount": "545,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "09/10/2018",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014150014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "276,000.00",
"installmentAmount": "296,700.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "06/12/2017",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014051014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "300,000.00",
"installmentAmount": "327,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "26/06/2020",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Bowen Microfinance Bank Limited",
"accountNumber": "03140014050014925",
"type": "PERSONAL SECURED LOAN",
"loanAmount": "500,000.00",
"installmentAmount": "545,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "",
"loanDuration": "90 Day(s)",
"dateReported": "",
"disbursedDate": "11/04/2019",
"performanceStatus": "PERFORMING",
"status": "CLOSED",
"outstandingBalance": "0.00",
"paymentHistory": []
},
{
"loanProvider": "Guaranty Trust Bank Plc",
"accountNumber": "023503382500010001000",
"type": "COMMERCIAL OVERDRAFT",
"loanAmount": "0.00",
"installmentAmount": "200,000.00",
"overdueAmount": "0.00",
"lastPaymentDate": "17/12/2019",
"loanDuration": "1 Day(s)",
"dateReported": "",
"disbursedDate": "31/12/2019",
"performanceStatus": "Performing",
"status": "OPEN",
"outstandingBalance": "0.00",
"paymentHistory": []
}
]
}
],
"creditEnquiries": [
{
"source": "CRC",
"value": [
{
"loanType": "Overdraft",
"date": "26-Oct-2022",
"institutionType": "Micro Lenders"
},
{
"loanType": "Overdraft",
"date": "25-Oct-2022",
"institutionType": "Micro Lenders"
},
{
"loanType": "Overdraft",
"date": "25-Oct-2022",
"institutionType": "Micro Lenders"
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"loanProvider": "CREDITCHECK AFRICA - CHEKCREDITAPI",
"date": "24/10/2022 15:37:29"
},
{
"loanProvider": "CREDITCHECK AFRICA - CHEKCREDITAPI",
"date": "24/10/2022 15:37:29"
},
{
"loanProvider": "CREDITCHECK AFRICA - CHEKCREDITAPI",
"date": "24/10/2022 15:37:29"
}
]
}
],
"loanPerformance": [
{
"source": "CRC",
"value": [
{
"loanProvider": "GT BANK",
"loanAmount": "NGN 0",
"accountNumber": "",
"outstandingBalance": "0",
"status": "Closed",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 1
},
{
"loanProvider": "BOWEN MICROFINANCE BANK LIMITED",
"loanAmount": "NGN 5,476,000",
"accountNumber": "",
"outstandingBalance": "0",
"status": "Closed",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 14
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"accountNumber": "03140014210014925",
"loanProvider": "Guaranty Trust Bank Plc",
"loanAmount": 0,
"outstandingBalance": 0,
"overdueAmount": 0,
"noOfPerforming": 15,
"noOfNonPerforming": 0,
"loanCount": 15,
"dateAccountOpened": "31/12/2019",
"performanceStatus": "Performing",
"status": "Closed"
},
{
"accountNumber": "03140014210014925",
"loanProvider": "Bowen Microfinance Bank Limited",
"loanAmount": 82140000,
"outstandingBalance": 3315094.65,
"overdueAmount": 3315094.65,
"noOfPerforming": 195,
"noOfNonPerforming": 15,
"loanCount": 210,
"dateAccountOpened": "04/06/2020",
"performanceStatus": "Performing",
"status": "Open"
}
]
}
],
"bureauStatus": {
"crc": "success",
"firstCentral": "success"
},
"lastReportedDate": [
{
"source": "CRC",
"value": "27/Oct/2022"
},
{
"source": "FIRST_CENTRAL",
"value": null
}
]
},
"lastUpdatedAt": "2022-10-27T13:19:39.367Z",
"searchedDate": "2022-10-27T13:19:39.367Z",
"bureauStatus": {
"crc": "success",
"firstCentral": "success"
}
},
"message": "Request successful",
"error": false
}