Business history
The Business History endpoints provide programmatic access to business-level data across all Books your organization has submitted. Instead of piecing together data from multiple Books, you can query a single API to retrieve a merchant's complete financial history, deduplicated, structured, and ready for analysis. Your origination system, decisioning engine, and internal review tools can consume this data directly through these endpoints. Underwriters and risk teams can evaluate how a borrower has performed over time, not just on a single application.
TipFor the Dashboard view of the same data, see Business Profile.
Key benefits
| Capability | Description |
|---|---|
| Integrate business-level data into any system | Pull identity, transactions, and cash flow data directly into your origination system, decisioning engine, or internal review tools via standard REST API calls. |
| Stable business identifier | The business_id returned by the Business Identifier endpoint is stable and cacheable. Resolve it once per book_uuid and reuse it across all business-scoped endpoints. |
| Deduplicated transaction history | The Business Transactions endpoint returns enriched transactions aggregated and deduplicated across all Books for a business, with filtering by date range and updated_since for incremental sync. |
| Longitudinal cash flow metrics | The Business Summary endpoint returns deduplicated cash flow metrics across a business's full application history including revenue, expenses, balances, and NSF data, without manual reconciliation across Books. |
| Incremental data sync | Use the updated_since parameter to fetch only newly ingested transactions since your last request, keeping downstream systems in sync without re-pulling the full dataset. |
When to use it
Use the Business History endpoints when you need to:
- Enrich your origination system: Pull verified business identity, addresses, and industry classification directly into your loan origination system or CRM without manual data entry.
- Power automated decisioning: Feed deduplicated cash flow metrics and transaction history into your decisioning engine to evaluate a borrower's full financial history programmatically.
- Sync transaction data incrementally: Use the
updated_sinceparameter on the Business Transactions endpoint to fetch only newly ingested transactions since your last request, keeping downstream systems in sync without re-pulling the full dataset. - Build a longitudinal cash flow view: The Business Summary endpoint returns deduplicated cash flow metrics across a business's entire application history, useful for building trend analysis or underwriting models that require more than a single application snapshot.
- Assess loan velocity programmatically: Query market-wide loan inquiry counts across six rolling time windows to flag potential stacking risk in your automated workflow.
API workflow
Use the Business Identifier endpoint to retrieve the business_id, which is required for all other Business History endpoints. It maps a book_uuid to its associated business entity and returns a stable business_id you can cache and reuse across all business-scoped endpoints.
| API | What it returns |
|---|---|
Business Identifier GET /v2/book/{book_uuid}/business | Maps a book_uuid to a business_id |
Business Overview GET /v1/businesses/{business_id} | Returns identity, addresses, NAICS classification, loan inquiry history, and verified business data including formation status, known names, associated people, and website information |
Business Transactions GET /v1/businesses/{business_id}/transactions | Returns enriched, deduplicated transactions aggregated across every bank statement uploaded for the business, with filtering and pagination |
Business Summary GET /v1/businesses/{business_id}/summary | Returns a deduplicated cash flow summary across the business's full application history |
Scope and data considerations
- Transactions and summaries are scoped to Books submitted by your organization.
- Loan inquiry data is cross-organization (market-wide) but is computed relative to the latest Book your organization has submitted for that business.
Related resources
Explore the Business Overview and Business Summary API endpoints.
Overview of the Businesses experience including capabilities, prerequisites, and when to use it.
Dashboard view of the same business-level data.
End-to-end recipe from resolving a book_uuid to accessing transactions, summaries, and risk signals.
Book-level cash flow data and reporting in the Dashboard.
Updated 4 days ago