> ## 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.

# LexisNexis Business Credit

## 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

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 `lexis_nexis_small_business_credit_score`.
4. Set `options.scoreType` to `credit_score` or `blended_score`.
5. Include `stage_id` only when the application 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[]=lexis_nexis_small_business_credit_score`.

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

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

<AccordionGroup>
  <Accordion title="Which service ID should I send?">
    Send `lexis_nexis_small_business_credit_score`.
  </Accordion>

  <Accordion title="Is the score option required?">
    Yes. Set `options.scoreType` to `credit_score` or `blended_score`.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>