> ## Documentation Index
> Fetch the complete documentation index at: https://docs.smartcomply.com/llms.txt
> Use this file to discover all available pages before exploring further.

# First Central Business Credit History

> Retrieve a business's credit history from the First Central bureau using their registration number.

The First Central Business Credit History endpoint provides a comprehensive record of a business's credit-related activities via the First Central bureau, including loan accounts, payment timelines, credit utilization, and delinquency status.

## Endpoint

```
POST /api/onboarding/business/first_central/
```

## Request

### Headers

| Header | Value | Required |
| - | - | - |
| `x-access-token` | Your API secret key | Yes |
| `Content-Type` | `application/json` | Yes |

### Body Parameters

| Parameter | Type | Required | Description |
| - | - | - | - |
| `registration_number` | string | Yes | The business RC or registration number |

### Example

```bash cURL theme={null}
curl -X POST "https://adhere-api.smartcomply.com/api/onboarding/business/first_central/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{"registration_number": "RC123456"}'
```

## Response

### 200 OK

| Field | Type | Description |
| - | - | - |
| `data._id` | string | Unique record ID |
| `data.business_reg_no` | string | Business registration number |
| `data.name` | string | Business name |
| `data.businessType` | string | Business type classification |
| `data.score.totalNoOfLoans` | number | Total loans on record |
| `data.score.totalNoOfActiveLoans` | number | Currently active loans |
| `data.score.totalNoOfClosedLoans` | number | Closed loans |
| `data.score.totalBorrowed` | number | Total amount borrowed |
| `data.score.totalOutstanding` | number | Total outstanding balance |
| `data.score.totalOverdue` | number | Total overdue amount |
| `data.score.totalNoOfDelinquentFacilities` | number | Number of delinquent facilities |
| `data.searchedDate` | string | Date this report was retrieved |

```json theme={null}
{
  "status": "success",
  "data": {
    "_id": "636e768d8215a2e2fb06cfde",
    "business_reg_no": "RC123456",
    "businessId": "64db7ab8a26e603218838892",
    "name": "CAPITALFIELD ASSET MGT LTD",
    "phone": "23408036732620",
    "dateOfRegistration": "2003-08-20",
    "address": "ELEGANZA HOUSE, 15B JOSEPH WESLEY STR, BROAD STREET, LAGOS NIGERIA",
    "businessType": "SMALLANDMEDIUMSCALEENTERPRISE",
    "email": "capitalasset@gmail.com",
    "score": {
      "totalNoOfLoans": 9,
      "totalNoOfActiveLoans": 3,
      "totalNoOfClosedLoans": 6,
      "totalNoOfInstitutions": 2,
      "totalOverdue": 54931635,
      "totalBorrowed": 135582,
      "highestLoanAmount": 45194,
      "totalOutstanding": 54931635,
      "totalNoOfOverdueAccounts": 3,
      "totalNoOfPerformingLoans": 6,
      "totalNoOfDelinquentFacilities": 3,
      "firstCentralEnquiryResultID": "24327937"
    },
    "searchedDate": "2023-11-23T16:17:16.672Z"
  },
  "message": "First Central check successful"
}
```

### 400 Bad Request

```json theme={null}
{
  "status": "failed",
  "data": [],
  "message": "Missing required fields"
}
```

### 401 Unauthorized

```json theme={null}
{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}
```


## OpenAPI

````yaml POST /api/onboarding/business/first_central/
openapi: 3.0.3
info:
  title: Adhere API
  description: >-
    Identity verification, credit checks, transaction monitoring, and loan fraud
    detection across Africa.
  version: 3.0.0
servers:
  - url: https://adhere-api.smartcomply.com
    description: Production
security:
  - ApiKeyAuth: []
tags:
  - name: Nigeria KYC
  - name: Kenya KYC
  - name: Ghana KYC
  - name: Rwanda KYC
  - name: Uganda KYC
  - name: Document Verification
  - name: Biometrics
  - name: Individual Credit
  - name: Business Credit
  - name: Transaction Monitoring
  - name: Transaction Screening
  - name: Transaction KYC
  - name: Loan Fraud
  - name: User Journey
paths:
  /api/onboarding/business/first_central/:
    post:
      tags:
        - Business Credit
      summary: First Central Business Credit History
      operationId: firstCentralBusiness
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - registration_number
              properties:
                registration_number:
                  type: string
                  example: RC-123456
      responses:
        '200':
          description: First Central business history retrieved
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  responses:
    BadRequest:
      description: Bad Request
      content:
        application/json:
          schema:
            type: object
            properties:
              status:
                type: string
                example: failed
              data:
                type: array
                items: {}
              message:
                type: string
    Unauthorized:
      description: Unauthorized
      content:
        application/json:
          schema:
            type: object
            properties:
              status:
                type: string
                example: failed
              message:
                type: string
                example: Authentication credentials were not provided.
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: x-access-token
      description: Your Adhere API secret key

````

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