Equifax SBFE Report Business Credit

The Equifax SBFE Report retrieves commercial credit data and Small Business Financial Exchange (SBFE) score models for a US business. The Equifax SBFE Report Business Credit Workflow Builder block is in the Business Credit category, supports business entities, and runs one service:

Service	Service ID	Purpose
Business SBFE Report	`equifax_sbfe_report`	Returns an Equifax commercial credit report with the selected SBFE score model or report product.

Equifax SBFE Report is a bring-your-own-credentials service. Your organization must connect active Equifax SBFE credentials before the service can run.

Purpose

Use the report to review commercial identity, inquiries, alerts, payment behavior, balances, past-due amounts, trades, and the selected decision score. The result is provider data, not a Lendflow approval or decline decision.

Requirements

Application field	Requirement	Notes
Business legal name	Required	Used to identify the business.
Business address line 1, city, state, and ZIP code	Required	Use a complete, valid business address.
EIN	Optional	Must be valid when supplied.
Primary-owner first and last name	Conditional	Required when a blended score model is selected.
Primary-owner address line 1, city, state, and ZIP code	Conditional	Required when a blended score model is selected.
Primary-owner SSN	Optional	Must be valid when supplied.

Report options

Application field	Requirement	Notes
SBFE score model	Optional	Accepts one or more values. Valid options are `RPT0036` for Business Credit Industry Report Plus 2.0, `SCR0118` for Commercial Insights Delinquency Score, and `SCR2032` for Commercial Insights Delinquency Total Solution. Defaults to `RPT0036` when omitted or empty. `SCR2032` is blended and requires the listed owner identity and address fields.

API flow

Authenticate with a Bearer integration token that can access the application and run underwriting services.
Call Enrich Business Credit Application at PUT /api/applications/{application_id}/enrich.
Set provider to equifax_sbfe_report.
Optionally set options.sbfeScoreModel to an array of supported values.
Include stage_id only when the application’s workflow requires a specific underwriting stage.
Confirm that the response contains data.onqueue: true.
Poll Get Commercial Data with services[]=equifax_sbfe_report.

{
  "provider": "equifax_sbfe_report",
  "options": {
    "sbfeScoreModel": ["SCR0118"]
  }
}

The request is asynchronous. data.onqueue: true means Lendflow queued the job; it does not mean Equifax returned a report.

Commercial-data path	Content
`commercial_data.equifax.sbfe_report`	Latest stored Equifax response.
`statuses.equifax.sbfe_report`	Latest Lendflow lifecycle message.
`request_data.equifax.sbfe_report`	Stored provider request. Treat business, owner, customer, and security identifiers as sensitive.

Lendflow submits a version 5.0 SB1 request to Equifax’s commercial credit report operation. OAuth requests include the configured inquiry member number and bearer token.

Data Orchestration availability

The service is available in the current Data Orchestration Business Credit catalog as SBFE Report. Add Equifax SBFE Report Business Credit, select the score model required by the template, publish the template, and execute it with Execute Data Orchestration. When an outcome uses an SBFE score, Data Orchestration checks that the stored report contains the required score model. The report prerequisite is evaluated synchronously. Monitor the run with List Data Orchestration Logs.

What the service returns

Response area	Meaning
`ProductCode`	Products and score models included in the response.
`StandardRequest`	The normalized identity data Equifax matched.
`CommercialCreditReport[].Header`	Customer and request-date metadata.
`CommercialCreditReport[].Folder.Inquiries` and `Alert`	Commercial inquiries and provider alerts.
`ReportAttributes`	Financial and non-financial summaries, payment behavior, balances, utilization, and aging data.
`DecisionTools.ScoreData`	Selected score, risk classification, description, and reason codes.
Trade and identity sections	Firmographic, principal, current trade, and historical trade data when available.

Representative response

This shortened example follows the current SCR0118 fixture and uses sanitized values.

{
  "EfxTransmit": {
    "serviceCode": "SB1",
    "version": "5.0",
    "ProductCode": [{
      "name": "SCR",
      "code": "0118",
      "value": "Commercial Insight Delinquency Score"
    }],
    "CommercialCreditReport": [{
      "Header": {
        "CustomerNumber": "SANITIZED",
        "DateOfRequest": "04/18/2025"
      },
      "Folder": {
        "Inquiries": [{
          "InquiryDate": "05/03/2022",
          "Industry": {"code": "", "value": "Financial"}
        }],
        "ReportAttributes": {
          "FinancialSummary": {
            "SummaryAttributes": {
              "NumberOfActiveTrades": 3,
              "BalanceTotals": {"currency": "USD", "value": 12000},
              "PastDueAmtTotals": {"currency": "USD", "value": 0}
            },
            "CreditUtilization": {
              "PercentAvailableCredit": 60,
              "PercentBalance": 40
            }
          }
        },
        "DecisionTools": {
          "ScoreData": [{
            "scoreName": "Commercial Insight Delinquency Score",
            "score": "620",
            "riskLevel": "Provider risk level",
            "scoreType": "SCR0118",
            "riskDescription": "Provider risk description"
          }]
        }
      }
    }]
  }
}

Response attributes

Attribute	Type	Meaning	Possible values or units	When returned
`EfxTransmit.serviceCode`	String	Equifax service family.	`SB1` for this request.	Always in current fixtures.
`EfxTransmit.version`	String	Request and response version.	`5.0`.	Always in current fixtures.
`EfxTransmit.ProductCode[]`	Array of objects	Products included in the report.	Each item contains `name`, `code`, and `value`.	When Equifax identifies returned products.
`EfxTransmit.CommercialCreditReport[].Header.CustomerNumber`	String	Equifax customer number associated with the request.	Sensitive provider identifier.	With a report header.
`EfxTransmit.CommercialCreditReport[].Header.DateOfRequest`	String	Provider request date.	Current fixtures use `MM/DD/YYYY`.	With a report header.
`EfxTransmit.CommercialCreditReport[].Folder.Inquiries[]`	Array of objects	Commercial credit inquiries.	Includes `InquiryDate` and optional industry code/value.	When inquiries exist.
`EfxTransmit.CommercialCreditReport[].Folder.Alert[]`	Array of objects	Provider notices about the report.	`AlertCode` and `AlertDescription`.	When Equifax returns alerts.
`EfxTransmit.CommercialCreditReport[].Folder.ReportAttributes.FinancialSummary.SummaryAttributes.NumberOfActiveTrades`	Number	Active financial trades.	Count.	When a financial summary exists.
`EfxTransmit.CommercialCreditReport[].Folder.ReportAttributes.FinancialSummary.SummaryAttributes.BalanceTotals`	Object	Total reported balances.	`currency` and numeric `value`.	When available.
`EfxTransmit.CommercialCreditReport[].Folder.ReportAttributes.FinancialSummary.SummaryAttributes.PastDueAmtTotals`	Object	Total reported past-due amount.	`currency` and numeric `value`.	When available.
`EfxTransmit.CommercialCreditReport[].Folder.ReportAttributes.FinancialSummary.SummaryAttributes.TotalExposure`	Object	Total reported credit exposure.	`currency` and numeric `value`.	When available.
`EfxTransmit.CommercialCreditReport[].Folder.ReportAttributes.FinancialSummary.CreditUtilization.PercentAvailableCredit`	Number	Percentage of credit reported as available.	Percentage.	When utilization is calculated.
`EfxTransmit.CommercialCreditReport[].Folder.ReportAttributes.FinancialSummary.CreditUtilization.PercentBalance`	Number	Percentage represented by balances.	Percentage.	When utilization is calculated.
`EfxTransmit.CommercialCreditReport[].Folder.ReportAttributes.NonFinancialSummary.RecentDBT`	Number	Recent days beyond terms.	Days.	When non-financial payment data exists.
`EfxTransmit.CommercialCreditReport[].Folder.DecisionTools.ScoreData[]`	Array of objects	Results for requested score models.	One or more score records.	When Equifax returns decision scores.
`EfxTransmit.CommercialCreditReport[].Folder.DecisionTools.ScoreData[].score`	String	Score value.	Provider-formatted score.	With a score result.
`EfxTransmit.CommercialCreditReport[].Folder.DecisionTools.ScoreData[].scoreType`	String	Score model identifier.	For example, `SCR0118` or `SCR2032`.	With a score result.
`EfxTransmit.CommercialCreditReport[].Folder.DecisionTools.ScoreData[].riskLevel`	String	Provider risk level.	Provider-controlled text.	When supplied.
`EfxTransmit.CommercialCreditReport[].Folder.DecisionTools.ScoreData[].riskDescription`	String	Explanation of the risk level.	Provider text.	When supplied.
`EfxTransmit.CommercialCreditReport[].Folder.DecisionTools.ScoreData[].ReasonCode[]`	Array of objects	Factors associated with the score.	Items can contain `code`, `value`, and `score`.	When reason codes are supplied.

Equifax responses can contain additional identity, firmographic, trade, public-record, and aging sections. Tolerate additional and omitted fields.

Errors and statuses

Condition or value	Meaning
`You must provide your own credentials for this service.`	No connected SBFE credential set exists.
Customer-number or security-code validation error	The required Equifax report credentials are missing.
Owner-field validation error	A blended model was selected but the required primary-owner name or address field is missing.
Invalid `sbfeScoreModel`	The option contains a value outside the supported model list.
`Unable to retrieve bearer token.` or `Bearer token missing from response.`	OAuth authentication failed or returned no access token.
`Authorization failed.`	Equifax returned an unauthorized response.
`Something went wrong.`	Equifax returned another failed HTTP response.
`Not yet started`	Lendflow has no service log for the report.
`Started`	Lendflow started the external-service job.
`Success`	Lendflow stored a successful provider response.
Data Orchestration `master_status` `0`, `2`, `3`, `4`, `5`, or `6`	Overall run status: Not Started, Processing, Review, Complete Pass, Complete Fail, or Error.

FAQ

Which service ID should I use?

Use equifax_sbfe_report.

Does Lendflow provide Equifax credentials for this service?

No. The service is bring-your-own credentials only.

What happens if I omit sbfeScoreModel?

Lendflow requests the default RPT0036 Business Credit Industry Report Plus 2.0 product.

When is primary-owner information required?

First name, last name, and a complete owner address are required when a blended model such as SCR2032 is selected. SSN is optional but must be valid if supplied.

Can this report run in Data Orchestration?

Yes. SBFE Report is available in the Business Credit catalog.