Agents can’t grant credit.
They can pull the file.

Business credit and KYB, UCC lien positions, and the lien and judgment flags on an entity’s file, per call at posted prices.

Request a key See the record
credit.business_filecommercial
Fileent_4q9x

Entityactive

Example Fabrication LLC

DE · 7741029 · formed 2019-04-11

DEPANJCA

Liens2 open

1Example Bank, N.A. · all assets2021-06-14
2Example Capital LLC · all assets2024-02-02

Judgments0 open

Cash flow12 months · consented

184,200avg inflow171,950avg outflow0NSF events

Receipt2026-10-06 14:02 UTC

Telemetry Fee $3.00stl_2c81
JSONapplication/json
{  "object": "credit.business_file",  "subject_party": "ent_4q9x",  "jurisdiction": "US-DE",  "permitted_use": {    "regime": "COMMERCIAL",    "fcra_consumer_report": false,    "restriction": "Commercial credit, KYB, and simulation use only. No consumer purpose. This restriction is a term of the call.",    "terms": "https://apis.credit/use-restriction"  },  "entity": {    "legal_name": "Example Fabrication LLC",    "status": "active",    "formed": "2019-04-11",    "registry": "DE Division of Corporations",    "registry_id": "7741029"  },  "registrations": [    "DE",    "PA",    "NJ",    "CA"  ],  "liens": {    "open_count": 2,    "open": [      {        "file_number": "20214473180",        "type": "UCC-1",        "status": "active",        "filing_office": "DE Secretary of State",        "secured_party": "Example Bank, N.A.",        "collateral_summary": "All assets",        "filed_at": "2021-06-14"      },      {        "file_number": "20240912254",        "type": "UCC-1",        "status": "active",        "filing_office": "DE Secretary of State",        "secured_party": "Example Capital LLC",        "collateral_summary": "All assets",        "filed_at": "2024-02-02"      }    ]  },  "judgments": {    "open_count": 0  },  "cash_flow_signals": {    "source": "bank_data",    "consent_ref": "cns_8k21",    "currency": "USD",    "months_observed": 12,    "avg_monthly_inflow": "184200.00",    "avg_monthly_outflow": "171950.00",    "nsf_events_12m": 0  },  "fee": {    "fee_line": "Telemetry Fee",    "amount": "3.00",    "currency": "USD",    "releasing_fact": "The served entity file, returned and receipted."  },  "settlement_ref": "stl_2c81",  "pulled_at": "2026-10-06T14:02:11Z"}

What a file pull returns

The shape of the record, before you sign anything.

Fig 0.1

Checked at the registry

Entity, status and registrations, verified at the source.

Fig 0.2

Liens, in priority order

Positions, secured parties and collateral from the filing office.

Fig 0.3

Flags on the file

Open liens and judgments, flagged on the record itself.

Priced per call

Flat prices, fixed when posted, from the family’s one rate card.

SKUPrice
Business credit / KYBEntity verification, registrations, lien and judgment flags, cash-flow signals on a Borrower$3.00 per file pull
UCC lien searchDebtor search across state filing offices: lien positions, secured parties, filing images. State office fees pass through at cost$4.00 per search

No served record, no charge, and a clear search is a record. Every fee is named on the receipt, never a percentage of any credit.

More in the catalog

  • The lien stack
  • Cash-flow attributes
  • Financial statement normalization
  • Prequal simulation

Commercial use only

Every subject is an entity and every call is commercial, typed into every response.

What would change the answer

  1. A natural-person subject

    No row takes one; an Obligor-Guarantor is a named party, never a scored subject.

  2. A consumer purpose

    Declared, it is refused: typed BLOCKED, nothing metered.

  3. Mixing

    Consumer-report data is never pooled into a response.

  4. Furnishing

    Never without the dispute investigation that comes with it.

Read the use restriction
GET/use-restriction.jsontrimmed
{  "object": "use_restriction",  "property": "apis.credit",  "regime": "COMMERCIAL",  "fcra_consumer_report": false,  "restriction": "Commercial credit, KYB, and simulation use only. No consumer purpose. This restriction is a term of the call.",  "falsifiers": [    {      "name": "A subject who is a natural person"    },    {      "name": "A consumer purpose"    },    {      "name": "Mixing"    },    {      "name": "Furnishing"    }  ],  "refusal": {    "reason": "PURPOSE_OUT_OF_REGIME",    "cure": "CONSUMER_REGIME_NOT_SERVED",    "metered": false,    "note": "A refusal is not a product."  }}

Never carried

Each belongs to another party.

  • An act at the filing office

    Filing the lien

    A UCC-1 is recorded at a filing office; the search only reads it.

  • The Lender’s, alone

    Underwriting

    A file run against a credit box to an outcome is the Lender’s decision.

  • Inside a Decision

    Adverse-action notice assembly

    The Reg B notice and its reasons belong inside the Lender’s Decision.

One key, every door

Request it once; every call prices from one rate card.

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