Clear KYB

Use the Clear KYB Workflow Builder block (clear_kyb) to evaluate a business with Thomson Reuters CLEAR Risk Inform. The block is available for business entities and exposes two related operations:

Operation	Purpose	Dependency
`clear_risk_inform_business_search`	Returns the matched business, configured risk sections, flags, source references, and section and total scores.	Requires a CLEAR business entity ID. Lendflow runs CLEAR ID Confirm Business automatically when that ID is not already stored.
`clear_risk_inform_business_report`	Returns a detailed report with the score, summary, business records, and source-document sections configured for the account.	Requires the search result’s `GroupId`. Lendflow runs the Risk Inform Business Search first when that ID is not already stored.

The report is downstream of the search:

Lendflow obtains a CLEAR business entity ID through CLEAR ID Confirm Business when necessary.
Lendflow runs clear_risk_inform_business_search and stores its GroupId.
Lendflow submits clear_risk_inform_business_report with that GroupId.
CLEAR produces the report asynchronously. Lendflow retries while the report is not ready and resumes a paused Data Orchestration run after the report finishes.

Risk Inform definitions, flags, point values, minimum thresholds, permissible-purpose values, and included source sections are configured for the CLEAR account. They are not universal Lendflow values. Thomson Reuters describes Risk Inform as customizable public-record risk assessment and states that CLEAR data is not a consumer report under the FCRA. Use the service only for purposes permitted by your agreement and applicable law.

Requirements

Risk Inform Business Search

Application field	Requirement	Notes
CLEAR business entity ID	Conditional	Required for the search. If it is unavailable, Lendflow runs CLEAR ID Confirm Business first.
Business legal name	Conditional	Required when CLEAR ID Confirm Business must run.
Business city	Conditional	Required when CLEAR ID Confirm Business must run.
Business state or region	Conditional	Required when CLEAR ID Confirm Business must run; use a value valid for the stored country, such as a two-letter US state code.
Business country	Conditional	Required when CLEAR ID Confirm Business must run so state and postal-code validation can be applied.
Business street address	Optional	Improves address matching.
Business ZIP or postal code	Optional	Must pass country-aware validation when provided.
EIN/FEIN	Optional	Accepts 9- or 11-character values after formatting; improves business matching.
Business telephone	Optional	Must be valid when provided; the primary owner’s telephone is used when the business has none.
Primary owner’s first and last names	Optional	Improves officer or agent matching.

Risk Inform Business Report

Application field	Requirement	Notes
CLEAR Group ID	Conditional	Required for the report. If it is unavailable, Lendflow runs Risk Inform Business Search first.

Run through Data Orchestration

Clear KYB is available in Workflow Builder under the underwriting KYB block group. Data Orchestration runs the operation configured in the template and automatically runs its required prerequisites.

In the Lendflow Dashboard, open Builders > Data Orchestration.
Create or edit a template and add the applicable Clear KYB operation from the KYB category.
Configure the conditions, connect each outcome, then save and publish the template.
Run the template with Execute Data Orchestration at POST /api/applications/{application_id}/data_orchestration/execute. Supply template_id and application_id; supply stage_id only when targeting a specific compatible underwriting stage.
Treat the successful execution response as confirmation that the orchestration was scheduled, not that CLEAR has completed.
Retrieve operation status and data with Get Commercial Data. Filter to the two service names.

GET /api/applications/{application_id}/commercial_data?services[]=clear_risk_inform_business_search&services[]=clear_risk_inform_business_report
Authorization: Bearer {token}

The public response paths are:

Search: data.commercial_data.clear.clear_risk_inform_business_search.RiskInformBusinessSearchResult
Report: data.commercial_data.clear.clear_risk_inform_business_report.SectionResults
Latest statuses: data.statuses.clear.clear_risk_inform_business_search and data.statuses.clear.clear_risk_inform_business_report
Latest dates: data.dates.clear_risk_inform_business_search and data.dates.clear_risk_inform_business_report
Stored requests: data.request_data.clear.clear_risk_inform_business_search and data.request_data.clear.clear_risk_inform_business_report

An operation’s commercial_data value is null until Lendflow stores a provider response. It can also remain null when CLEAR returns no result body.

What the service returns

Result area	Operation	Meaning
Provider status	Both	CLEAR’s status for that provider request. This is separate from Lendflow’s orchestration and enrichment status.
Business match and score	Search	The selected business entity, result-group identifier, configured section summaries, detailed flags, and aggregate score.
Detailed report	Report	A list of independently identified report sections. Typical fixtures include user terms, score, summary, business overview, detailed risk sections, source records, association data, and empty optional sections.
Source references	Both	Provider source names and document GUIDs supporting a flag or report record. A field may be one object or an array when multiple records support the result.
Lendflow execution metadata	Commercial-data wrapper	Latest status or error message, latest service date, and stored request.

The exact flags and report sections depend on the CLEAR definition and available public records. Objects may be absent, empty arrays, or arrays of records. Code that consumes the response should not assume that every fixture section is present or that a single record will always remain a single object.

The public Thomson Reuters developer pages describe CLEAR S2S, Risk Inform customization, and usage restrictions, but do not publish the complete Risk Inform Business field contract or all possible status values. The response paths and field shapes below are therefore limited to Lendflow’s implemented parser, typed frontend models, and tested CLEAR fixtures. Treat additional provider fields as definition-dependent.

Sample response

This sanitized shape combines representative fields from Lendflow’s CLEAR fixtures. Unrelated services are omitted.

{
  "data": {
    "statuses": {
      "clear": {
        "clear_risk_inform_business_search": "Success",
        "clear_risk_inform_business_report": "Success"
      }
    },
    "dates": {
      "clear_risk_inform_business_search": "2026-09-10T16:00:02Z",
      "clear_risk_inform_business_report": "2026-09-10T16:00:08Z"
    },
    "commercial_data": {
      "clear": {
        "clear_risk_inform_business_search": {
          "Status": {
            "StatusCode": "200",
            "SubStatusCode": "200"
          },
          "RiskInformBusinessSearchResult": {
            "BusinessEntity": {
              "Header": {
                "AllFlags": {
                  "@attributes": {
                    "sectioncount": "5",
                    "sectionscore": "18.00"
                  }
                }
              },
              "GroupId": "sanitized-result-group-id",
              "EntityId": "sanitized-business-entity-id",
              "Sections": {
                "Section": [
                  {
                    "SectionName": "Single Risk Indicators",
                    "SectionScore": "5.00",
                    "SectionDetails": {
                      "SingleRiskIndicators": {
                        "BusinessLessThanOneYear": {
                          "RiskFlagName": "Business Started Less Than One Year Ago",
                          "RiskFlagScore": "5.00",
                          "RiskFlagHitIndicator": "Yes"
                        }
                      }
                    }
                  }
                ]
              },
              "TotalScore": "18.00"
            }
          }
        },
        "clear_risk_inform_business_report": {
          "Status": {
            "Reference": "S2S Risk Inform Business Report",
            "StatusCode": "200",
            "SubStatusCode": "200"
          },
          "ReportId": "sanitized-report-id",
          "SectionResults": [
            {
              "SectionName": "RiskInformScore",
              "SectionStatus": "COMPLETE",
              "SectionRecordCount": "1",
              "CLEARReportDescription": "Risk Inform Score",
              "SectionDetails": {
                "RiskInformScore": {
                  "RiskInformScoreRecord": {
                    "BusinessName": "EXAMPLE BUSINESS LLC",
                    "TotalScore": "18.00",
                    "MinThresholdScore": "70"
                  }
                }
              }
            }
          ]
        }
      }
    },
    "request_data": {
      "clear": {
        "clear_risk_inform_business_search": {},
        "clear_risk_inform_business_report": {}
      }
    }
  }
}

Response attributes

Lendflow commercial-data wrapper

Attribute	Type	Meaning	Possible values or units	When returned
`data`	Object	Top-level Lendflow API response wrapper.	One response object.	Always for a successful commercial-data request.
`data.statuses.clear`	Object	Latest Lendflow state or error for each requested Clear KYB operation.	Keys include the exact search and report service IDs.	When the related service is included.
`data.dates`	Object	Latest service date keyed by exact service ID.	API timestamp or `null`.	When available.
`data.commercial_data.clear`	Object	Latest stored CLEAR responses converted from XML to JSON.	Search and report objects can be `null`.	When the related service is included.
`data.request_data.clear`	Object	Stored CLEAR requests keyed by exact service ID.	Request objects can be `null`.	When the related service is included.

Provider response and search result

Attribute	Type	Meaning	Possible values or units	When returned
`Status`	Object	CLEAR’s provider-level response status.	Contains string status codes; the report can also include `Reference`.	When CLEAR returns a status body.
`Status.Reference`	String	Provider description of the request or report.	For example, `"S2S Risk Inform Business Report"`.	When supplied by CLEAR, including in the report fixture.
`Status.StatusCode`	String	Primary CLEAR response code.	For example, `"200"` in successful fixtures.	When supplied by CLEAR.
`Status.SubStatusCode`	String	More specific CLEAR response code.	Provider-defined string; `"200"` in successful fixtures.	When supplied by CLEAR.
`RiskInformBusinessSearchResult`	Object	Root search result.	Provider-defined object.	When the search finds and returns a result.
`BusinessEntity`	Object	Matched business and its risk assessment.	One business object in current Lendflow fixtures.	Inside a successful search result.
`Header`	Object	Section-level count and score summaries keyed by configured section name.	Common fixture keys include `AllFlags`, `AddressFlags`, `SingleRiskIndicators`, `CompanyDetailsStructure`, `PrincipalsExecutivesTiedToBusiness`, `Custom`, and `News`.	Keys vary by CLEAR definition and returned content.
`Header.AllFlags`	Object	Aggregate summary for all returned configured flags.	Contains XML attributes converted to the `@attributes` object.	When the active definition includes this summary.
`@attributes.sectioncount`	String	Count reported for the section.	Decimal integer encoded as a string.	When a header section is returned.
`@attributes.sectionscore`	String	Provider-configured points accumulated for the section.	Signed decimal points encoded as a string. No universal range is published.	When a header section is returned.
`GroupId`	String	Identifies the result group used to request the detailed report.	Opaque provider identifier.	When CLEAR returns a business search result.
`EntityId`	String	Identifies the matched CLEAR business entity.	Opaque provider identifier.	When CLEAR returns a business search result.
`Sections.Section`	Array	Search sections and their returned flags or content.	Zero or more provider-defined section objects.	When the definition returns section content.
`SectionName`	String	Provider section name.	Definition-dependent string.	For each returned section.
`SectionScore`	String	Provider-configured points for that section.	Signed decimal points encoded as a string.	For scored search sections.
`SectionDetails`	Object or array	Flags, supporting details, news, or source-specific content.	Shape varies by `SectionName`; it can be empty.	When section details are available.
`SectionDetails.SingleRiskIndicators`	Object	Flags in the Single Risk Indicators section, keyed by provider flag identifier.	Definition-dependent flag objects.	When that section returns flags.
`BusinessLessThanOneYear`	Object	Representative provider flag object indicating the returned business-age condition.	Contains the shown flag name, score, and hit indicator.	Only when CLEAR returns this configured flag.
`RiskFlagName`	String	Human-readable provider flag name.	Definition-dependent string.	For a returned flag.
`RiskFlagScore`	String	Points assigned to that flag by the configured definition.	Signed decimal points encoded as a string; fixtures include positive, zero, and negative values.	For a scored flag; it can be omitted from informational flags.
`RiskFlagHitIndicator`	String	Indicates whether the returned flag condition hit.	`"Yes"` in representative fixtures; other values are provider-defined.	When CLEAR supplies an indicator.
`TotalScore`	String	Aggregate provider score for the returned Risk Inform definition.	Signed decimal points encoded as a string. It is not a probability or percentage.	When the search returns a scored business entity.

Detailed report

Attribute	Type	Meaning	Possible values or units	When returned
`ReportId`	String	Identifies the generated CLEAR report.	Opaque provider identifier.	When the report is generated.
`SectionResults`	Array	Detailed report sections.	Zero or more section objects.	When report data is returned.
`SectionStatus`	String	CLEAR’s completion status for an individual report section.	`"COMPLETE"` in Lendflow fixtures; other values are provider-defined.	For each returned report section.
`SectionRecordCount`	String	Number of records represented by the section.	Decimal integer encoded as a string.	For each returned report section.
`CLEARReportDescription`	String	Human-readable section label.	For example, `"Risk Inform Score"`.	For each returned report section.
`SectionDetails`	Object or array	Section-specific report records.	May be a populated object or an empty array.	For each returned report section.
`SectionDetails.RiskInformScore`	Object	Container for the report’s risk score record.	Contains `RiskInformScoreRecord`.	In the Risk Inform Score section.
`RiskInformScoreRecord`	Object	Scored business summary for the active CLEAR definition.	Contains the shown business name, total score, and optional configured threshold.	In a populated Risk Inform Score section.
`BusinessName`	String	Name associated with the score record.	Provider-returned business name.	In a populated `RiskInformScore` record.
`MinThresholdScore`	String	Threshold configured in the CLEAR Risk Inform definition.	Provider-configured points encoded as a string. No universal threshold applies.	When included in the score record.
`TotalScore`	String	Aggregate score copied into the report’s score record.	Signed decimal points encoded as a string.	In a populated `RiskInformScore` record.

Errors and statuses

Keep provider results separate from Lendflow processing:

Layer	Signal	Meaning
Lendflow API	`401` or `403` HTTP response	The bearer token is missing or invalid, or the caller cannot access the application or template.
Lendflow API	`422` HTTP response	Required execution fields are invalid or the selected published template and application are incompatible.
Data Orchestration	Scheduled or started log	The workflow has been accepted or is processing; CLEAR data is not necessarily ready.
Data Orchestration	Paused log	An asynchronous prerequisite such as the detailed report is still being fetched. Lendflow resumes automatically when it completes.
Data Orchestration	Missing-data terminal state	Required application data or another obtainable prerequisite was not available.
Data Orchestration	Error terminal state	A service, authentication, provider, or unexpected processing error stopped the workflow.
Commercial-data status	`Started`	The individual operation is in progress.
Commercial-data status	`Success`	The Lendflow operation finished. Inspect the provider `Status` and expected result object before treating it as a usable provider match.
Commercial-data status	Error message	The Lendflow operation failed. Correct the reported issue before rerunning.
CLEAR response	`Status.StatusCode` and `SubStatusCode`	Provider-level request result. These codes do not represent the Data Orchestration outcome.
CLEAR result	Missing result object or empty section	CLEAR returned no usable match or no content for that configured section. Do not interpret an empty section as a zero-risk determination.

Common integration failures include missing business name, city, or state; invalid state, postal-code, telephone, or EIN formats; unavailable CLEAR service access; rejected CLEAR credentials; and provider validation errors. The detailed report cannot run without a usable search GroupId, but Lendflow attempts the prerequisite search automatically.

FAQ

Does the Clear KYB block always run both operations?

No. The block exposes both operations. A template can run Search without Report, while Report automatically runs its Search prerequisite when a usable GroupId is not already stored.

Do I need to run CLEAR ID Confirm Business first?

No. When the application does not already have a CLEAR business entity ID, Lendflow runs CLEAR ID Confirm Business before the Risk Inform Business Search. Supply complete business information so that automatic lookup can match the intended business.

Can I request the report without running the search?

You can request the report operation, but the report still depends on a search result group. If Lendflow has no stored GroupId, it runs the search first. If that search does not produce a usable group ID, the report has no result to retrieve.

Is TotalScore a percentage or a universal risk grade?

No. It is a provider-configured point total for the CLEAR Risk Inform definition used by the account. Flag weights can be positive, zero, or negative, and the threshold is also configurable. Interpret the score using your approved CLEAR definition.

Why are fields or report sections missing?

CLEAR returns content based on the account definition and available source records. A section can be absent, an empty array, or a populated object; supporting records can also switch between one object and an array. Handle all of these shapes.

Does a successful execution response mean the report is ready?

No. It means Lendflow scheduled the Data Orchestration run. The report is asynchronous. Use the commercial-data endpoint and orchestration log to confirm completion before reading SectionResults.

Can I download a PDF report?

The dashboard shows a PDF download only when Lendflow has successfully stored the separately generated CLEAR report PDF. The public enrichment response returns the JSON-converted provider data, not the PDF file.

​Clear KYB

​Requirements

​Risk Inform Business Search

​Risk Inform Business Report

​Run through Data Orchestration

​What the service returns

​Sample response

​Response attributes

​Lendflow commercial-data wrapper

​Provider response and search result

​Detailed report

​Errors and statuses

​FAQ

Clear KYB

Requirements

Risk Inform Business Search

Risk Inform Business Report

Run through Data Orchestration

What the service returns

Sample response

Response attributes

Lendflow commercial-data wrapper

Provider response and search result

Detailed report

Errors and statuses

FAQ