> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lendflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Equifax SBFE Report Business Credit

## 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. |

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

## 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

1. Authenticate with a Bearer integration token that can access the application and run underwriting services.
2. Call [Enrich Business Credit Application](/api-reference/workflow-management/enrich-business-credit-application) at `PUT /api/applications/{application_id}/enrich`.
3. Set `provider` to `equifax_sbfe_report`.
4. Optionally set `options.sbfeScoreModel` to an array of supported values.
5. Include `stage_id` only when the application's workflow requires a specific underwriting stage.
6. Confirm that the response contains `data.onqueue: true`.
7. Poll [Get Commercial Data](/api-reference/workflow-management/get-commercial-data) with `services[]=equifax_sbfe_report`.

```json theme={"system"}
{
  "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](/api-reference/data-orchestration/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](/api-reference/data-orchestration/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.

```json theme={"system"}
{
  "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

<AccordionGroup>
  <Accordion title="Which service ID should I use?">
    Use `equifax_sbfe_report`.
  </Accordion>

  <Accordion title="Does Lendflow provide Equifax credentials for this service?">
    No. The service is bring-your-own credentials only.
  </Accordion>

  <Accordion title="What happens if I omit sbfeScoreModel?">
    Lendflow requests the default `RPT0036` Business Credit Industry Report Plus 2.0 product.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="Can this report run in Data Orchestration?">
    Yes. SBFE Report is available in the Business Credit catalog.
  </Accordion>
</AccordionGroup>