Developer - SMEs - InsightGenie

SMEs

This API presents a comprehensive risk assessment of SMEs by examining their general information, industry, and digital footprint, as well as the owner's list of phone applications.

Its objective is to provide a comprehensive evaluation of the business, sector, and
proprietor.

Base URL

The base URL for all API requests is:


https://api.bizbaz.tech

Endpoints


POST /get-score/sme

Returns a JSON object with the following properties:

Responses

Description

businessCreditScore:

Business credit score (1-100).

sectorTrend

An updated trend of the sector (Positive, Negative, Neutral).

personalCreditScore

The owner's personal credit score (300-850).

ekycScore

Matching to the personal information of the client (Match, Unmatched, Unknown).

fraudRiskScore

Scores range from “Very Low Risk” to “Very High Risk”.

phoneInsightScore

Authentication of the phone number (Authenticated, Unauthenticated, Unknown).

emailInsightScore

Authentication of the email address (Authenticated, Unauthenticated, Unknown).

Parameters

id: The ID of the audio file (String).

Example

Request:


POST /sme


{
"GeneralInfo": [
{
"MerchantName": "ABC Company",
"MerchantDBA": "ABC",
"EntityType": "Corporation",
"LineOfBusiness": "Retail",
"Industry": "Clothing",
"BusinessStartDate": "01/01/2000",
"IsHomeBased?": "No",
"StateOfIncorporation": "California",
"AnyBankrupciesJudgementsTaxliens?": "No",
"MainContractFirstName": "John",
"MainContractLastName": "Doe",
"ContractPhoneNumber": "555-555-1234",
"ContactEmail": "johndoe@abccompany.com",
"BusinessWebsite": "www.abccompany.com",
"BusinessAddress": "123 Main St",
"BusinessCity": "Los Angeles",
"BusinessState": "California",
"BusinessZIPCode": "90001",
"PropertyOwnership": "Own"
}
],
"RequestInfo": [
{
"RequestedAmount": "$100,000",
"UseOfProceeds": "Expansion"
}
],
"ExistingFunding": [
{
"Funder": "Bank of America",
"Balance": "$50,000",
"DailyPayment": "$500",
"FundedAmount": "$100,000",
"DateFunded": "05/01/2021"
}
],
"OwnerInformation": [
{
"FirstName": "Jane",
"LastName": "Doe",
"OwnershipPercentage": "50%",
"DateOfBirth": "01/01/1970",
"Email": "janedoe@abccompany.com",
"HomePhone": "555-555-5678",

"MobilePhone": "555-555-6789",
"Address": "123 Main St",
"City": "Los Angeles",
"State": "California",
"ZIP": "90001"
},
{
"FirstName": "Bob",
"LastName": "Smith",
"OwnerShippercentage": "50%",
"DateofBirth": "02/01/1980",
"Email": "bobsmith@abccompany.com",
"HomePhone": "555-555-7890",
"MobilePhone": "555-555-8901",
"Address": "456 Oak St",
"City": "Los Angeles",
"State": "California",
"ZIP": "90002",
"ContactsList": [
{
"givenName": "Tom",
"familyName": "Colin",
"contact": "555-555-7693",
"company": "colins jeans",
"department": "clothing",
"emailAddresses": "colintom23@gmail.com"
},
{
"givenName": "Clara",
"familyName": "Nana",
"contact": "555-555-3623",
"company": "hospital",
"department": "health",
"emailAddresses": "claranana@gmail.com"
}
],
"ApplicationList": [
{
"appName": "Alibaba",
"packageName": "Alibaba"
},
{
"appName": "Amazon Shopping",
"packageName": "Amazon Shopping"
},
{
"appName": "OLX Pakistan",
"packageName": "OLX Pakistan"
},
{
"appName": "Lucky Step",
"packageName": "Lucky Step"
},
{
"appName": "UDictionary Translate",
"packageName": "UDictionary Translate"
},
{"appName": "Zapya",
"packageName": "Zapya"
},
{
"appName": "Find a Doctor",
"packageName": "Find a Doctor"
},
{
"appName": "Spotify",
"packageName": "Spotify"
},
{
"appName": "WhatsApp Messenger",
"packageName": "WhatsApp Messenger"
},
{
"appName": "Google Calendar",
"packageName": "Google Calendar"
}
]
}
]
}

Response


{
"businessCreditScore": 50,
"sectorTrend": "Positive",
"personalCreditScore": 700,
"ekycScore": "Match",
"fraudRiskScore": "Medium Risk",
"phoneInsightsScore": "Authenticated",
"emailInsightsScore": "Authenticated",
"id": "628692d4e082f11af881db06"
}

Errors

This API uses the following error codes:

Error Codes

Description

400 Bad Request:

The request was malformed or missing required parameters.

401 Unauthorized:

The API key provided was invalid or missing.

404 Not Found:

The requested resource was not found.

500 Internal Server Error:

An unexpected error occurred on the server.