SMEs
Example
Response
Errors
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.