Two rows priced. Commercial use only.

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, on the family’s one key. Granting credit is a reserved act and isn’t sold here, which is why everything here can be.

Request a key Read the rate card

What a file pull returns.

The shape of the record, before you sign anything.

credit.business_file

object: The record type.
subject_party: The entity the file is about.
jurisdiction: Where the entity is registered.
permitted_use: regime, fcra_consumer_report, restriction
entity: legal_name, status, formed, registry, registry_id
registrations: Registrations on file.
liens: open_count, open[]: file_number, type, status, filing_office, secured_party, collateral_summary, filed_at
judgments: open_count
cash_flow_signals: months_observed, avg_monthly_inflow, avg_monthly_outflow, nsf_events_12m
fee: line, amount, currency
settlement_ref: Walkable by your auditor.
pulled_at: When the file was served.

Priced per call.

Flat, fixed at post, a view of the family’s one rate card. If a price isn’t posted, the row isn’t live.

SKU	What your agent gets	Price	Status
Business credit / KYB	Entity verification, registrations, lien and judgment flags, cash-flow signals on a Borrower	$3.00 per file pull · DRAFT	ROADMAP
UCC lien search	Debtor search across state filing offices: lien positions, secured parties, filing images. State office fees pass through at cost	$4.00 per search · DRAFT	ROADMAP

Every fee here is a Telemetry Fee: pure data, named on the receipt, never a percentage of any credit.

No record, no charge. A served record releases the meter; an unavailable upstream or a retry does not.

The whole catalog, typed.

Every row is in the registry now and refuses at the call, naming the reason. A price posts when a row goes live.

ROADMAP · Price posts with the SKU

Business credit and KYB: Entity verification, registrations, lien and judgment flags, cash-flow signals.
UCC lien search: Debtor search across state filing offices: positions, secured parties, images.
The lien stack: Priority order for one debtor, collateral parsed, lapse windows computed.
Cash-flow attributes: Verified revenue, volatility, existing debt, NSF incidence, from permissioned bank data.
Financial statement normalization: Statements as normalized fields with the source page cited.
Prequal simulation: A Lender’s published criteria run against a file. No application is created.
KYB onboarding substrate: Schemas, beneficial ownership, delivery to the Lender.
KYA agent scores: A counterparty score for an agent. Not a credit score.
Furnishing to the bureaus: Metro 2 on the statutory clocks, with the dispute investigation that comes with it.
Consumer credit signals: Typed, and does not ship: it needs a permissible purpose this door does not hold.

And three this door will never carry.

Each ends in an act, not a record.

Filing the lien: A UCC-1 recorded at a filing office. The search only reads it.; an act, not a record
The underwriting worker: A file run against a credit box to an outcome.; the Lender decides, alone
Adverse-action notice assembly: The Reg B notice and its reasons.; it belongs inside a Decision

Commercial use only, typed into every response.

Every subject is an entity; every call is commercial. No consumer subject, so no permissible purpose is required and none is claimed. The restriction is a term of the call, carried as permitted_use.

A refusal is not a product. PURPOSE_OUT_OF_REGIME, nothing metered.

For a person and for a machine: /use-restriction · /use-restriction.json

A natural-person subject: No row takes one. An Obligor-Guarantor appears as a named party, never as a scored subject.
A consumer purpose: Declared, it is refused: typed BLOCKED, nothing metered.
Mixing: Consumer-report data is never pooled into a response.
Furnishing: Not shipped without the dispute investigation that comes with it.

the served document, trimmed

HTTP/1.1 200
{
  "object": "use_restriction",
  "property": "apis.credit",
  "published": "2026-07-31",
  "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.",
  "binding": "This restriction is a term of every call and is typed into every response as the permitted_use object. It is not a document agreed to once.",
  "refusal": {
    "reason": "PURPOSE_OUT_OF_REGIME",
    "cure": "CONSUMER_REGIME_NOT_SERVED",
    "metered": false,
    "note": "A refusal is not a product."
  }
}

One key. A family of doors.

Same key as apis.finance, same catalog, same rate card.

apis.finance
The hub: catalog, key, rate card. One keyless route live.
apis.credit
Business credit, KYB, UCC lien search. You are here.
apis.loans
The origination door. Seven arithmetic routes live.
apis.mortgage
Payoff, lien and eNote data. Waitlist open.

Request a key.

One key covers the family. Tell us what you’re building and which rows first.

Agents: the rate card is the door. GET https://apis.finance/rate-card.json