> ## 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. # Experian Business Match ## 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 1. Call `PUT /api/applications/{application_id}/enrich` through [Enrich Business Credit Application](/api-reference/workflow-management/enrich-business-credit-application). 2. Set `provider` to `experian_business_match`. 3. Do not send service-specific `options`; the service has no configurable options. 4. Include `stage_id` only when the application workflow requires a specific underwriting stage. 5. Confirm that the response contains `data.onqueue: true`. 6. Poll [Get Commercial Data](/api-reference/workflow-management/get-commercial-data) with `services[]=experian_business_match`. ```json theme={"system"} { "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`. 1. Add **Experian Business Match** to a business underwriting workflow. 2. Ensure the required application fields, Experian access, and subcode are available before the block runs. 3. Connect the block before downstream Experian services that need a BIN or GBIN, then save and publish the workflow. 4. Execute the published orchestration through [Execute Data Orchestration](/api-reference/data-orchestration/execute-data-orchestration) with `template_id`, `application_id`, and `stage_id` when applicable. 5. Confirm that the response contains `data.executed: true`. 6. Monitor the asynchronous run with [List Data Orchestration Logs](/api-reference/data-orchestration/list-data-orchestration-logs). 7. 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. ```json theme={"system"} [ { "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 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. No. It only confirms that Lendflow queued the asynchronous job. Poll the commercial-data endpoint and inspect `statuses.experian.business_match`. Lendflow sorts returned candidates by reliability descending and saves the first candidate's US `bin` or GDN `gbin` when available. No. Lendflow resolves the subcode from the configured Experian access. The enrichment request does not require service-specific `options`. 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. Yes. Lendflow routes non-US countries to Experian GDN. The required inputs and candidate attributes differ from the US response documented above.