Experian GDN Business Credit

Use the Experian GDN Business Credit Workflow Builder block for Experian Global Data Network (GDN) business profiles and international credit reports. The block ID is experian_gdn_business_credit and it is available for business entities.

Services

Service	Service ID	Experian endpoint	Commercial-data path
GDN Company Profile	`experian_gdn_company_profile`	`/businessinformation/globaldatanetwork/v1/reports/companyprofile`	`data.commercial_data.experian.gdn.company_profile`
GDN Risk Check	`experian_gdn_risk_check`	`/businessinformation/globaldatanetwork/v1/reports/riskcheck`	`data.commercial_data.experian.gdn.risk_check`
GDN Small Report	`experian_gdn_small_report`	`/businessinformation/globaldatanetwork/v1/reports/smallreport`	`data.commercial_data.experian.gdn.small_report`
GDN Extended Report	`experian_gdn_extended_report`	`/businessinformation/globaldatanetwork/v1/reports/extendedreport`	`data.commercial_data.experian.gdn.extended_report`
GDN Canadian Profile Report	`experian_gdn_canadian_profile_report`	`/businessinformation/globaldatanetwork/v1/credit/canada`	`data.commercial_data.experian.gdn.canadian_profile_report`

The Canadian Profile Report uses its Canada-specific credit endpoint. The other four services use the common GDN report request. The current application service catalog accepts these GDN service IDs for US and Canadian applications. Other country codes are not listed in the current requested-product availability map.

Requirements

Application field	Requirement	Notes
Existing Experian GBIN	Conditional	Required unless automatic GDN matching is used.
Business legal name	Conditional	Required for automatic GDN matching when no GBIN is stored.
Business country	Conditional	Required for automatic GDN matching and report selection when no GBIN is stored; use a supported country value.
Business street	Optional	Improves GDN matching.
Business city	Optional	Improves GDN matching.
Business state or area	Optional	Improves GDN matching; must be valid for the selected country.
Business postal code	Optional	Improves GDN matching; must be valid for the selected country.
Country-specific business identification number	Optional	Improves GDN matching when a supported identifier is available.

When no GBIN is stored, Lendflow runs GDN matching and stores the highest-reliability result’s GBIN. Select the Canadian Profile Report for a Canadian report; the other reports require the GBIN and business country.

Availability window

The dashboard marks Experian GDN unavailable during its scheduled Eastern Time window:

Day	Dashboard unavailable window
Monday	12:00 a.m.–7:00 a.m. ET
Tuesday–Sunday	1:00 a.m.–7:00 a.m. ET

This is a dashboard availability indicator. The public Experian availability endpoint checks domestic Experian token authentication and is not a GDN report-specific health check.

API flow

Create or update an application with an existing GBIN or the GDN match fields above.
Select the exact GDN service in a published Data Orchestration template.
Add any condition that depends on the report after the service step.
Call Execute Data Orchestration:

{
  "application_id": "00000000-0000-0000-0000-000000000000",
  "template_id": "11111111-1111-1111-1111-111111111111"
}

The endpoint schedules asynchronous execution and returns a Data Orchestration log resource. It does not return the GDN report inline.

Read execution with Get Data Orchestration Log at GET /api/applications/{application_id}/data_orchestration_logs/{log_id}.
Retrieve responses with Get Commercial Data at GET /api/applications/{application_id}/commercial_data. Filter the response with exact IDs when needed:

GET /api/applications/{application_id}/commercial_data?services[]=experian_gdn_risk_check&services[]=experian_gdn_extended_report

Stored provider requests appear under data.request_data.experian.gdn, and latest service messages appear under data.statuses.experian.gdn.

Data Orchestration availability

The Business Credit Data Orchestration category exposes report conditions as follows:

Service	Conditions available
GDN Company Profile	No Company Profile-specific result conditions are currently registered. The service can still run and its response remains available through commercial data.
GDN Risk Check	Report up to date, hard negative facts existing, credit rating, credit limit, company turnovers, and unexpected error.
GDN Small Report	Credit rating, credit limit, company turnovers, hard negative facts existing, and unexpected error.
GDN Extended Report	Credit limit, company turnovers, hard negative facts existing, and unexpected error.
GDN Canadian Profile Report	Payment index, credit score, risk class, 90-day credit limit, 13-month credit limit, all-lines credit limit, total past due, and unexpected error.

These are availability summaries, not an attribute catalog. Conditions read an already stored report synchronously, so place the service before conditions that use it. Has Unexpected Error? reads the latest finished underwriting attempt even when no report body was stored.

What the services return

Result area	What it contains
Common report identity	GBIN, business name, address, country, provider references, and report date when available.
`companyProfile`	Registration, activities, legal form, employees, turnover, contact, and corporate-linkage information.
`riskCheck`	Compact credit rating, credit limit, turnover, freshness, and hard-negative-fact indicators.
`smallReport`	Risk Check areas plus selected legal, financial, payment, and corporate details.
`extendedReport`	The broadest general GDN report, including expanded financial, legal, payment, ownership, and corporate information.
`creditReport`	Canadian payment index, credit score, risk class, recommended credit limits, balances, past-due totals, and legal information when available.

Representative response

This shortened, sanitized example combines representative fields from separately stored reports.

{
  "data": {
    "statuses": {
      "experian": {
        "gdn": {
          "risk_check": "Success",
          "extended_report": "Success",
          "canadian_profile_report": "Not yet started"
        }
      }
    },
    "commercial_data": {
      "experian": {
        "gdn": {
          "risk_check": {
            "riskCheck": {
              "reportUpToDate": true,
              "namesAndAddresses": {
                "legalEntity": {
                  "name": "Example Trading Ltd.",
                  "gbin": "123456789"
                }
              },
              "ratingsAndClassifications": {
                "rating": { "ratingTrafficLightCode": "GREEN" },
                "creditLimit": { "value": 40000, "currencyCode": "CAD" }
              },
              "legalInfoAndShares": { "hardNegativeFactsExisting": false }
            }
          },
          "extended_report": {
            "extendedReport": {
              "financialReports": {
                "companyTurnovers": [
                  {
                    "period": {
                      "startDate": "2025-01-01",
                      "endDate": "2025-12-31"
                    },
                    "amount": { "value": 1250000, "currencyCode": "CAD" }
                  }
                ]
              },
              "legalInfoAndShares": { "hardNegativeFactsExisting": false }
            }
          },
          "canadian_profile_report": null
        }
      }
    }
  }
}

Key response attributes

Identity and report metadata

Attribute	Type	Meaning	Possible values or units	When returned
`gbin`	string	Experian’s global business identifier.	Nine-digit GBIN.	When a GDN business is resolved.
Business-name and address objects	object or null	Provider identity for the matched company.	Country-specific text and address fields.	When present in the selected report.
Report date or freshness fields	date, boolean, or null	Whether the source report is current and when it was produced.	Provider date format or `true`/`false`.	By report and supplying bureau.

Risk and commercial capacity

Attribute	Type	Meaning	Possible values or units	When returned
`ratingsAndClassifications.rating.ratingTrafficLightCode`	string or null	Bureau risk assessment used by Risk Check conditions.	`RED`, `YELLOW`, `GREEN`, or unavailable.	Risk Check when the bureau supplies a rating.
`ratingsAndClassifications.creditLimit.value`	number or null	Recommended commercial credit exposure.	Monetary amount; currency is in `currencyCode`.	Risk Check when the supplying bureau calculates a limit.
`financialReports.companyTurnovers`	object or array	Reported or modeled company revenue by period.	`period`, `amount.value`, `amount.currencyCode`, and estimation metadata; the shape varies by report.	When turnover data exists.
`legalInfoAndShares.hardNegativeFactsExisting`	boolean or null	Whether severe adverse facts are present.	`true`, `false`, or unavailable.	When the selected report and bureau support the indicator.

Canadian credit

Attribute	Type	Meaning	Possible values or units	When returned
`creditReport.paymentIndex`	number or null	Canadian payment-timeliness measure.	Provider-defined numeric index.	Canadian Profile Report when scoreable.
`creditReport.creditScore`	number or null	Canadian commercial credit score.	Provider-defined numeric score.	Canadian Profile Report when scoreable.
`creditReport.riskClass`	string, number, object, or null	Canadian risk category.	Provider-defined class.	Canadian Profile Report when available.
Canadian credit-limit fields	number or null	Recommended limits based on different lookback periods or all lines.	Monetary amount.	Canadian Profile Report when calculated.
`creditReport.totalPastDue`	number or null	Total past-due balance.	Monetary amount in report currency.	Canadian Profile Report when reported.

Null and missing values

GDN content differs by country and supplying bureau. A field documented for one market may be absent in another.
A successful report can contain null, empty arrays, or objects whose description says the value is unavailable.
Treat missing and null as unavailable. Do not infer zero, false, or no adverse facts unless the provider explicitly returns that value.
When a service has not run, its filtered commercial-data path can be null while its status remains Not yet started.
Lendflow stores the results object when present. If results is missing or empty, it stores the full provider response so error details are preserved.

Statuses and errors

Signal	Meaning
`Not yet started`	No latest log exists for that exact GDN service ID.
`Started`	The asynchronous report job began.
`Success`	The job completed; individual fields can still be unavailable.
Failure message	Identifier match, authentication, validation, availability, or provider failure.

If no stored GBIN exists and GDN search returns no result, the report stops with No Business found - {business name}. Other failures include a missing country code, invalid country-specific state, postcode, or identification number, a missing configured subcode, inability to retrieve an Experian bearer token, and provider errors. Lendflow reads client messages from errors[0].message, server fault text from errors[0].fault.faultstring, or other recognized provider error fields before using a generic fallback.

FAQ

What is the difference between a BIN and a GBIN?

A BIN identifies a business in Experian’s US business-information flow. A GBIN identifies a business in GDN. Lendflow stores either identifier on the business and resolves the appropriate value through country-routed business match when one is missing.

Which fields are required to find a GBIN?

Business legal name and country are required. Street, city, state or area, postcode, and a country-specific business identification number are optional and can improve matching.

Is a phone number used for GDN matching?

No. The current integration intentionally omits phone from GDN business search.

Can Company Profile results drive a Data Orchestration condition?

Not through a Company Profile-specific condition today. The service can run and its full response is available in commercial data, but no Company Profile result conditions are registered in the Business Credit category.

Why is a successful field null?

GDN coverage depends on the country, bureau, report, and available source records. A successful request confirms report delivery, not that every possible measure is populated.