Experian Business Match

Experian Business Match searches Experian for businesses matching the application. The Workflow Builder block runs experian_business_match for business entities, returns ranked candidates, and saves the highest-reliability candidate’s Experian BIN or GBIN on the business when available.

Requirements

Lendflow chooses the US Businesses search when the business country is US; other countries use Experian Global Data Network (GDN).

US Businesses search

Application field	Requirement	Notes
Business legal name	Required	Uses the legal name on the application.
Business address country	Required	Must be `US` to use this search.
City	Required	Uses the business address city.
State	Required	Must be a valid US state.
Address line 1	Optional	Additional address information can improve matching.
ZIP code	Optional	Must be a valid US ZIP code when present.
Business telephone	Optional	Must be a valid US telephone number when present.
EIN	Optional	Must be a valid EIN when present.

Global Data Network search

Application field	Requirement	Notes
Business legal name	Required	Uses the legal name on the application.
Business address country	Required	Selects the country-specific search and must resolve to a valid ISO alpha-3 country code.
City	Optional	Additional address information can improve matching.
State or region	Optional	Must be valid for the selected country when present.
Address line 1	Optional	Additional address information can improve matching.
Postal code	Optional	Must be valid for the selected country when present.
Business identification number	Optional	Uses the country-specific identifier when available and valid.

Run through the application enrichment API

Call PUT /api/applications/{application_id}/enrich through Enrich Business Credit Application.
Set provider to experian_business_match.
Do not send service-specific options; the service has no configurable options.
Include stage_id only when the application workflow requires a specific underwriting stage.
Confirm that the response contains data.onqueue: true.
Poll Get Commercial Data with services[]=experian_business_match.

{
  "provider": "experian_business_match",
  "stage_id": "00000000-0000-4000-8000-000000000000"
}

The request is asynchronous. data.onqueue: true confirms that Lendflow queued the job; it does not mean Experian returned a candidate. For US results:

Provider result: data.commercial_data.experian.business_match
Latest lifecycle message: data.statuses.experian.business_match
Stored provider request: data.request_data.experian.business_match

Data Orchestration availability and flow

The Experian Business Match block is available in Workflow Builder’s underwriting Match group for business entities. It runs experian_business_match.

Add Experian Business Match to a business underwriting workflow.
Ensure the required application fields, Experian access, and subcode are available before the block runs.
Connect the block before downstream Experian services that need a BIN or GBIN, then save and publish the workflow.
Execute the published orchestration through Execute Data Orchestration with template_id, application_id, and stage_id when applicable.
Confirm that the response contains data.executed: true.
Monitor the asynchronous run with List Data Orchestration Logs.
Read the match status and provider result from the commercial-data paths above.

Business Match has no upstream data-service dependency. It is itself a prerequisite when a later Experian service needs an Experian business identifier and the application does not already contain one.

What the service returns

The attributes below describe the US Businesses response. GDN uses a different candidate shape, including gbin, rbbid, name, area, matchReliabilityCode, and creditIndicator.

Response area	Meaning
Candidate identity	Experian BIN, business name, telephone, and address for each potential US match.
`reliabilityCode`	Experian’s numeric estimate of candidate match reliability. Lendflow sorts candidates descending by this value before saving the first candidate’s BIN.
Data-availability indicators	Boolean flags showing whether Experian reports specific categories of commercial data.
`matchingNameAndAddress`	The name and address Experian used as matching context when supplied; this object can be `null`.
`businessGeocode`	Geographic codes, coordinates, precision, and last-reported date when available.

Representative response

This abbreviated response follows Lendflow’s current Experian fixture. Business identifiers, names, addresses, and coordinates are sanitized.

[
  {
    "bin": "123456789",
    "businessName": "EXAMPLE SERVICES LLC",
    "phone": "+15125550100",
    "address": {
      "street": "100 MAIN ST",
      "city": "AUSTIN",
      "state": "TX",
      "zip": "78701",
      "zipExtension": null
    },
    "reliabilityCode": 100.4,
    "numberOfTradelines": 12,
    "financialStatementIndicator": false,
    "keyFactsIndicator": true,
    "inquiryIndicator": true,
    "bankDataIndicator": false,
    "governmentDataIndicator": false,
    "executiveSummaryIndicator": true,
    "uccIndicator": true,
    "matchingNameAndAddress": null,
    "businessGeocode": {
      "latitudeLongitudeLevel": "Roof Top Level",
      "latitude": 30.2672,
      "longitude": -97.7431,
      "dateLastReported": "2026-08-06"
    }
  }
]

Response attributes

Candidate identity and reliability

Attribute	Type	Meaning	Possible values or units	When returned
`[]`	Array of objects	US business candidates returned by Experian.	Zero or more candidates.	On a normalized successful search response.
`[].bin`	String or null	Experian Business Identification Number.	Identifier string; current US fixtures use nine digits.	When Experian identifies the candidate.
`[].businessName`	String or null	Candidate business name.	Provider text.	When available.
`[].phone`	String or null	Candidate business telephone.	Provider string; current fixtures use E.164 format.	When available.
`[].reliabilityCode`	Number	Experian match reliability.	Numeric provider score; current fixtures contain decimal values up to `100.4`.	For each scored candidate.
`[].numberOfTradelines`	Number or null	Number of commercial accounts reported for the business.	Count.	When available.

Do not use the stale high, medium, and low thresholds from the previous guide. Current Lendflow code treats reliabilityCode as a numeric provider value and sorts candidates by it, but does not define those threshold bands.

Address and matching context

Attribute	Type	Meaning	Possible values or units	When returned
`[].address`	Object or null	Address on the candidate record.	Provider address object.	When available.
`[].address.street`	String or null	Street address.	Text or `null`.	When available.
`[].address.city`	String or null	City.	Text or `null`.	When available.
`[].address.state`	String or null	State.	Provider code or `null`.	When available.
`[].address.zip`	String or null	Five-digit ZIP code.	String, preserving leading zeroes.	When available.
`[].address.zipExtension`	String or null	Four-digit ZIP+4 extension.	String or `null`.	When available.
`[].matchingNameAndAddress`	Object or null	Alternate name and address involved in Experian’s match.	Contains `businessName` and `address`, or `null`.	When Experian supplies matching context.

Data-availability indicators

Attribute	Type	Meaning	Possible values or units	When returned
`[].financialStatementIndicator`	Boolean or null	Indicates whether financial statements are available.	`true`, `false`, or unavailable.	When supplied.
`[].keyFactsIndicator`	Boolean or null	Indicates whether business firmographic facts are available.	`true`, `false`, or unavailable.	When supplied.
`[].inquiryIndicator`	Boolean or null	Indicates whether recent business-credit inquiries are available.	`true`, `false`, or unavailable.	When supplied.
`[].bankDataIndicator`	Boolean or null	Indicates whether commercial bank, leasing, or insurance-bonding data is available.	`true`, `false`, or unavailable.	When supplied.
`[].governmentDataIndicator`	Boolean or null	Indicates whether government contract or debarment data is available.	`true`, `false`, or unavailable.	When supplied.
`[].executiveSummaryIndicator`	Boolean or null	Indicates whether an executive summary is available.	`true`, `false`, or unavailable.	When supplied.
`[].uccIndicator`	Boolean or null	Indicates whether UCC filing data is available.	`true`, `false`, or unavailable.	When supplied.

These flags indicate data availability in Experian’s record. They are not underwriting decisions and do not indicate whether the business passed or failed.

Business geocode

Attribute	Type	Meaning	Possible values or units	When returned
`[].businessGeocode`	Object or null	Geographic metadata for the candidate.	Provider object.	When available.
`[].businessGeocode.latitudeLongitudeLevel`	String or null	Precision of the coordinates.	Provider text such as `Roof Top Level`; other values are provider-controlled.	When available.
`[].businessGeocode.latitude`	Number or null	Latitude.	Decimal degrees.	When available.
`[].businessGeocode.longitude`	Number or null	Longitude.	Decimal degrees.	When available.
`[].businessGeocode.msaCode`	String or null	Metropolitan statistical area code.	Provider code.	When available.
`[].businessGeocode.censusBlkGrpCode`	String or null	Census block-group code.	String; preserve leading zeroes.	When available.
`[].businessGeocode.censusTractCode`	String or null	Census tract code.	String; preserve leading zeroes.	When available.
`[].businessGeocode.cottageIndicator`	Boolean or null	Indicates whether Experian identifies a home-based business.	`true`, `false`, or unavailable.	When supplied.
`[].businessGeocode.congressionalDistrictCode`	String or null	Congressional district code.	String; preserve leading zeroes.	When available.
`[].businessGeocode.dateLastReported`	String or null	Date the geocode was last reported.	Current fixtures use `YYYY-MM-DD`.	When available.

Errors and statuses

Status or error	Meaning
`Not yet started`	Lendflow has no service log for `experian_business_match`.
`Started`	The external-service job started and remains asynchronous.
`Success`	Lendflow stored a successful Experian response. Inspect the returned candidate array.
`No Business found - ...`	Experian returned no candidates. Lendflow does not save a BIN or GBIN.
`Country code is required to authenticate with Experian`	The business address has no country. Add a valid country before retrying.
`Unable to retrieve Experian bearer token`	Experian authentication did not return an access token. Verify service access and credentials.
`Error while searching for Business ...: ...`	Experian returned `success: false`. Review the appended provider message.
Input validation message	A required name, US city or state, GDN country or subcode, or optional formatted value is invalid. Correct the application before retrying.
Service unavailable	The service is disabled or Experian cannot be reached.

FAQ

Is an EIN required for US Business Match?

No. A business-address country is required for authentication, and business legal name, city, and state are required US match inputs. Street, ZIP, telephone, and EIN are optional.

Does data.onqueue true mean a candidate was found?

No. It only confirms that Lendflow queued the asynchronous job. Poll the commercial-data endpoint and inspect statuses.experian.business_match.

Which candidate identifier does Lendflow save?

Lendflow sorts returned candidates by reliability descending and saves the first candidate’s US bin or GDN gbin when available.

Can I send an Experian subcode in options?

No. Lendflow resolves the subcode from the configured Experian access. The enrichment request does not require service-specific options.

How should I interpret a missing field?

Treat null or an omitted key as unavailable provider data. Candidate arrays can also be empty. Check the Lendflow status before deciding whether the service is still running, failed, or completed without a match.

Can non-US businesses use this block?

Yes. Lendflow routes non-US countries to Experian GDN. The required inputs and candidate attributes differ from the US response documented above.