emver Credit Report

Banking & Credit

Commercial bureau report and score for a company or proprietorship.

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.

Endpoint

POST https://app.emver.io/api/sandbox/v1/business-credit-report

Authorization: Bearer YOUR_API_KEY

Content-Type: application/json

Accept: application/json

Request parameters

Field	Type	Description
`entity_p_a_n_or_c_i_n` required	string	Entity PAN or CIN
`entity_name_and_address` required	string	Entity name and address
`authorised_signatory_consent` required	string	Authorised signatory consent

Example request

cURL

curl -X POST https://app.emver.io/api/sandbox/v1/business-credit-report \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "entity_p_a_n_or_c_i_n": "string",
    "entity_name_and_address": "string",
    "authorised_signatory_consent": "string"
}'

import requests

response = requests.post(
    "https://app.emver.io/api/sandbox/v1/business-credit-report",
    headers={
        "Authorization": "Bearer YOUR_API_KEY",
        "Accept": "application/json",
    },
    json={
        "entity_p_a_n_or_c_i_n": "string",
        "entity_name_and_address": "string",
        "authorised_signatory_consent": "string"
    },
    timeout=60,
)
response.raise_for_status()
data = response.json()

const response = await fetch("https://app.emver.io/api/sandbox/v1/business-credit-report", {
  method: "POST",
  headers: {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
    "Accept": "application/json",
  },
  body: JSON.stringify({
      "entity_p_a_n_or_c_i_n": "string",
      "entity_name_and_address": "string",
      "authorised_signatory_consent": "string"
  }),
});

const data = await response.json();

$response = Http::withToken('YOUR_API_KEY')
    ->acceptJson()
    ->post('https://app.emver.io/api/sandbox/v1/business-credit-report', {
        "entity_p_a_n_or_c_i_n": "string",
        "entity_name_and_address": "string",
        "authorised_signatory_consent": "string"
    });

$data = $response->json();

Replace YOUR_API_KEY and the placeholder values. Use the switch above to see production URLs.

Response

Structure · 200

{
  "status": INTEGER,
  "message": STRING,
  "data": {
    "commercial_credit_score": STRING,
    "credit_facilities_and_outstanding": STRING,
    "repayment_history_and_overdues": STRING,
    "suits_and_defaults": STRING,
    "recent_enquiries": STRING,
    "full_report": STRING
  }
}

Example · 200

{
  "status": 200,
  "message": "string",
  "data": {
    "commercial_credit_score": "string",
    "credit_facilities_and_outstanding": "string",
    "repayment_history_and_overdues": "string",
    "suits_and_defaults": "string",
    "recent_enquiries": "string",
    "full_report": "string"
  }
}

Error · 4xx / 5xx

{
  "status": INTEGER,
  "message": STRING
}

See Errors & status codes for what each status means and which calls are billed.

About this API

Lenders and large buyers need to know how a company services its debt before extending credit or long payment terms. The emver 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. The entity's authorised signatory must consent before a commercial report is pulled. The consent record is stored with the request.

Typical uses

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.

Questions

Are proprietorships covered?: Yes. Proprietor entities are reported under the proprietor's PAN; consumer and commercial reports may both apply.
Does pulling the report affect the entity's score?: Consent-based pulls of this kind are recorded as enquiries but treated differently from lender applications by the bureau.