Businesses
The Ocrolus Dashboard organizes borrower data in two ways: by Books and by Business. The Businesses view gives underwriters and credit teams one place to see everything Ocrolus knows about a borrower. From addresses and industry classification to application velocity, market-wide loan inquiries, submitted Books, and associated bank accounts, you have the full context you need before making a lending decision. This guide covers the Business Profile in the Dashboard and the Business History via API endpoints.
Before you begin
Before accessing Business Profile in the Ocrolus Dashboard, make sure the following are in place:
- Your organization has submitted at least one Book to Ocrolus for the business you want to review.
- You have an active Ocrolus Dashboard account with access to the Businesses view.
- Your user role has permission to view business-level data. If you are unsure about your access level, contact your organization's account administrator.
Need help getting started?If you do not have Dashboard access or are unsure whether your account is set up correctly, reach out to your account manager or email [email protected].
Key benefits
| Capability | Description |
|---|---|
| Full borrower context in one place | Every Book, address, bank account, and industry classification your organization has on file for a business, consolidated into a single view. |
| Verified business identity | Ocrolus links related Books to a single verified business entity, so you are not relying on name-and-address matching alone. |
| Application velocity | Track how often a business has applied for financing across the Ocrolus network in rolling time windows of 30, 60, 90, 180, 270, and 365 days. This is a quick indicator of stacking risk. |
| Deduplicated financial data | Transactions and cash flow metrics are deduplicated across all Books, so totals are accurate without double-counting. |
| Market-wide loan inquiries | Visibility into the number of times a business has appeared in loan applications across the Ocrolus network, not just your organization. |
Use cases
| If you need to | Use |
|---|---|
| Review a borrower who has submitted more than one application | Business Profile or Business History API |
| Verify a business's physical location before making a lending decision | Business Profile |
| Assess stacking risk or identify repeat borrowing patterns | Business Profile or Business History API |
| Access deduplicated transactions and cash flow data across all Books | Business History API |
| Pull business-level data into your origination system or decisioning engine | Business History API |
| Confirm multiple Books belong to the same verified business entity | Business Profile or Business History API |
What this guide covers
This guide walks you through the Business Profile in the Dashboard and the Business History API endpoints, so you can access consolidated borrower data wherever you work.
-
Business Profile: The Dashboard view of a business's full history with your organization. The Business Overview page surfaces addresses with Google Maps and Street View, NAICS classification, application velocity, market-wide loan inquiries, and associated bank accounts. The Historical Applications page lists every Book your organization has submitted for the business, with authenticity scores and expandable document detail.
-
Business History API: Exposes the same business-level data programmatically so you can pull it into your origination system, decisioning engine, or internal review tools. Three endpoints are available: Business Overview for identity and loan velocity, Business Transactions for enriched transaction data across all bank statements, and Business Summary for a deduplicated cash flow summary across the business's full application history.
Related resources
Updated about 6 hours ago