LexisNexis Business Credit

LexisNexis Business Credit returns a small-business credit score or a blended score for a US business and its authorized representative. The LexisNexis Business Credit Workflow Builder block is in the Business Credit category, supports business entities, and runs one service:

Service	Service ID	Purpose
Small Business Credit Score	`lexis_nexis_small_business_credit_score`	Returns business-credit scoring, reason codes, trade summaries, public-record counts, and requested small-business attributes.

Purpose

Use this service to retrieve either a business-only credit score or a blended score that uses both business and authorized-representative information. The result is provider data, not a Lendflow approval or decline decision.

Requirements

Application field	Requirement	Notes
Business legal name	Required	Used to match the business.
Business telephone	Required	Use a valid ten-digit phone number.
EIN	Required	Use a valid EIN.
Business address line 1, city, state, and ZIP code	Required	Used to match the business.
Business address line 2	Optional	Improves business matching when available.
Primary owner’s first and last name	Required	Used to match the authorized representative.
Primary owner’s address line 1, city, state, and ZIP code	Required	Used to match the authorized representative.
Primary owner’s address line 2	Optional	Improves owner matching when available.
Primary owner’s telephone	Optional	Use a valid phone number.

Score option

Application field	Requirement	Notes
Score type	Required	Valid options are `credit_score` for the business credit score and `blended_score` for the blended score.

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 lexis_nexis_small_business_credit_score.
Set options.scoreType to credit_score or blended_score.
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[]=lexis_nexis_small_business_credit_score.

{
  "provider": "lexis_nexis_small_business_credit_score",
  "options": {
    "scoreType": "credit_score"
  }
}

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

Commercial-data path	Content
`commercial_data.lexis_nexis.small_business_credit_score.credit_score`	Latest business-credit response requested with `scoreType: "credit_score"`.
`commercial_data.lexis_nexis.small_business_credit_score.blended_score`	Latest blended response requested with `scoreType: "blended_score"`.
`statuses.lexis_nexis.small_business_credit_score.credit_score`	Latest lifecycle message for the business-credit request.
`statuses.lexis_nexis.small_business_credit_score.blended_score`	Latest lifecycle message for the blended request.
`request_data.lexis_nexis.small_business_credit_score`	Stored requests grouped by score type. Treat EIN and contact information as sensitive.

Internally, Lendflow sends the provider request to LexisNexis’s /SmallBusinessBipCombinedReport operation.

Data Orchestration availability

The service is available in the current Data Orchestration Business Credit catalog. Add LexisNexis Business Credit, select the score type required by the template, publish the template, and run it with Execute Data Orchestration. Data Orchestration automatically fetches the selected score as a synchronous prerequisite when an outcome uses it. Monitor the run with List Data Orchestration Logs. The application still must contain every required business and authorized-representative input.

What the service returns

Response area	Meaning
`Header`	Provider status and transaction identifier.
`InputEcho`	The business and representative search data LexisNexis received. Treat it as sensitive.
`SmallBusinessAnalyticsResults`	Requested model scores, score reasons, and named attributes such as the best NAICS code.
`CreditReportRecords`	Credit score records, trade summaries, public-record counts, property and asset record summaries, and B2B trade data when available.

Representative response

This shortened response follows the current Lendflow fixture and uses sanitized identifiers.

{
  "SmallBusinessBipCombinedReportResponseEx": {
    "response": {
      "Header": {
        "Status": 0,
        "TransactionId": "SANITIZED-TRANSACTION"
      },
      "SmallBusinessAnalyticsResults": {
        "Models": {
          "Model": [{
            "Name": "SLBO1702_0_2",
            "Scores": {
              "Score": [{
                "Type": "0-999",
                "Value": 615,
                "ScoreReasons": {
                  "ScoreReason": [{
                    "Sequence": 1,
                    "ReasonCode": "B075",
                    "Description": "Provider-supplied reason description"
                  }]
                }
              }]
            }
          }]
        },
        "AttributesGroups": {
          "AttributesGroup": [{
            "Name": "SmallBusinessAttrV21",
            "Attributes": {
              "Attribute": [{
                "Name": "OutBestNAICS",
                "Value": "541110"
              }]
            }
          }]
        }
      },
      "CreditReportRecords": {
        "Record": [{
          "Scorings": {
            "BusinessCreditScoring": [{
              "DateScored": {"Year": 2024, "Month": 5, "Day": 15},
              "Scores": {
                "BusinessCreditScore": [{
                  "ScoreType": "CREDIT_SCORE",
                  "MinScoreRange": 0,
                  "MaxScoreRange": 900,
                  "Score": 615,
                  "ScoreRiskLevel": "HIGH"
                }]
              }
            }]
          },
          "TradeSummary": {
            "OpenAccountsCount": 0,
            "ChargeOffRecorded": 0,
            "AccountsWithGuarantor": 0
          }
        }]
      }
    }
  }
}

Response attributes

Attribute	Type	Meaning	Possible values or units	When returned
`SmallBusinessBipCombinedReportResponseEx.response.Header.Status`	Number	LexisNexis response status.	Provider status code; the success fixtures use `0`.	Always in current fixtures.
`SmallBusinessBipCombinedReportResponseEx.response.Header.TransactionId`	String	Provider transaction identifier.	Provider-generated identifier.	When assigned.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.Models.Model[]`	Array of objects	Results for each requested model.	Model names include `SLBO1702_0_2` and, for blended requests, `SLBB1702_0_2`.	When model results are available.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.Models.Model[].Scores.Score[].Type`	String	Scale label for the analytics score.	The fixture uses `0-999`.	With an analytics score.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.Models.Model[].Scores.Score[].Value`	Number	Score returned for that model.	Numeric provider score.	With a model result.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.Models.Model[].Scores.Score[].ScoreReasons.ScoreReason[].Sequence`	Number	Display order for a reason.	Positive integer.	For each reason.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.Models.Model[].Scores.Score[].ScoreReasons.ScoreReason[].ReasonCode`	String	Provider reason code.	Provider-controlled code.	For each reason.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.Models.Model[].Scores.Score[].ScoreReasons.ScoreReason[].Description`	String	Human-readable reason.	Provider text.	For each reason.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.AttributesGroups.AttributesGroup[].Name`	String	Attribute-set version.	The current request asks for `SmallBusinessAttrV21`.	When attributes are returned.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.AttributesGroups.AttributesGroup[].Attributes.Attribute[].Name`	String	Provider attribute name.	For example, `OutBestNAICS`.	For each attribute.
`SmallBusinessBipCombinedReportResponseEx.response.SmallBusinessAnalyticsResults.AttributesGroups.AttributesGroup[].Attributes.Attribute[].Value`	String, number, or omitted	Provider attribute value.	Depends on the named attribute; some attributes omit `Value`.	When LexisNexis has a value.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].Scorings.BusinessCreditScoring[].Scores.BusinessCreditScore[].ScoreType`	String	Type of score in the credit record.	`CREDIT_SCORE` or `BLENDED_SCORE`.	With a credit score.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].Scorings.BusinessCreditScoring[].Scores.BusinessCreditScore[].MinScoreRange`	Number	Lower bound supplied with the score.	Score points.	With a credit score.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].Scorings.BusinessCreditScoring[].Scores.BusinessCreditScore[].MaxScoreRange`	Number	Upper bound supplied with the score.	Score points.	With a credit score.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].Scorings.BusinessCreditScoring[].Scores.BusinessCreditScore[].Score`	Number	Credit-record score.	The current fixture uses a `0`–`900` range for this object.	With a credit score.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].Scorings.BusinessCreditScoring[].Scores.BusinessCreditScore[].ScoreRiskLevel`	String	Provider risk classification.	Provider-controlled text, such as `HIGH`.	When classified.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].TradeSummary.OpenAccountsCount`	Number	Number of open accounts in the record.	Count.	When a trade summary is returned.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].TradeSummary.ChargeOffRecorded`	Number	Provider charge-off indicator or count in the summary.	Numeric provider value.	When returned.
`SmallBusinessBipCombinedReportResponseEx.response.CreditReportRecords.Record[].TradeSummary.AccountsWithGuarantor`	Number	Accounts associated with a guarantor.	Count.	When returned.

The response can contain many additional provider-controlled sections. Use the API Reference response schema and tolerate omitted fields, fields without a Value, and additional fields.

Errors and statuses

Condition or value	Meaning
`The options field is required.`	`options.scoreType` was omitted.
Invalid `scoreType`	The value was not `credit_score` or `blended_score`; Lendflow returns a validation error and does not queue the job.
Business or owner validation message	A required name, telephone, EIN, or address field is absent or invalid.
`Authorization failed.`	LexisNexis rejected the credentials.
`No search results found.`	LexisNexis returned no score object at the expected credit-report path.
`Not yet started`	Lendflow has no matching service log for that score type.
`Started`	Lendflow started the external-service job.
`Success`	Lendflow stored a provider response containing a usable score result.
Error message	The request failed; inspect the message and Data Orchestration log.
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 send?

Send lexis_nexis_small_business_credit_score.

Is the score option required?

Yes. Set options.scoreType to credit_score or blended_score.

Why does a blended request include two models?

LexisNexis requires both SLBO1702_0_2 and SLBB1702_0_2 for the blended request. Lendflow adds both automatically.

Can this service run in Data Orchestration?

Yes. It is in the Business Credit catalog, and Data Orchestration can fetch the selected score as a prerequisite.

Does data.onqueue true mean the score is ready?

No. It confirms only that Lendflow queued the job. Poll commercial data and inspect the status for the requested score type.