# apis.credit

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

The data door of the apis family: 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. The subject of every record is an entity, never a natural person. Commercial use only, typed into every response.

## Priced rows

A view of https://apis.finance/rate-card.json, never a second price list.
- 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. $4.00 per search · DRAFT. ROADMAP.

Every fee is a Telemetry Fee, 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 record

credit.business_file: object, subject_party, jurisdiction, permitted_use (regime, fcra_consumer_report, restriction), entity (legal_name, status, formed, registry, registry_id), registrations, 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, pulled_at.

## The register

Typed now, refusing at the call, priced when live: business credit and KYB; UCC lien search; the lien stack; cash-flow attributes; financial statement normalization; prequal simulation; KYB onboarding substrate; KYA agent scores; furnishing to the bureaus; consumer credit signals (typed, and does not ship: it needs a permissible purpose this door does not hold).

Never carried, because each ends in an act rather than a record: filing the lien; the underwriting worker; adverse-action notice assembly.

## Use restriction

Commercial credit, KYB and simulation use only. No consumer subject, so no permissible purpose is required and none is claimed. The restriction is a term of every call, carried in every response as permitted_use. A request declared for a consumer purpose is refused: PURPOSE_OUT_OF_REGIME, nothing metered. For a person: https://apis.credit/use-restriction. For a machine: https://apis.credit/use-restriction.json

## Family

- https://apis.finance: the hub. Catalog, key, rate card. One keyless route live.
- https://apis.credit: business credit, KYB, UCC lien search. You are here.
- https://apis.loans: the origination door. Seven arithmetic routes live.
- https://apis.mortgage: payoff, lien and eNote data. Waitlist open.

## Keys

One key covers the family. POST https://apis.finance/request-key with first_name, last_name, email (required), rows, volume, building and property=apis.credit. keys@apis.finance

## Doors

- https://apis.credit/
- https://apis.credit/llms.txt
- https://apis.credit/mcp
- https://apis.credit/.well-known/x402
- https://apis.credit/use-restriction
- https://apis.credit/use-restriction.json

## Operational

- https://apis.credit/robots.txt
- https://apis.credit/healthz

apis.credit serves commercial, KYB and simulation use only. It grants no credit and serves no consumer report.