Report business defaulter

POST /creditregistry/api/v1/report/business

Report a delinquent facility where the account owner is a business.

Required body fields

All loan/facility fields are the same as individual (accountNumber, amounts, dates, accountType, etc.), plus:

Field	Notes
`rcNumber`	Company registration (RC/CAC).
`businessName`	Legal or trading name.
`businessType`	From catalog (e.g. `LimitedLiability` or sector code).
`phone`, `email`	Business contact. Use a real email domain (not `.example`, `.test`, `.invalid`).
`addressLine1`, `city`, `state`, `country`	Business address.

Required: corporateOfficers (at least one)

Each officer must include:

Field	Required
`firstName`, `lastName`, `role`	Yes – `role` is `Director`, `Owner`, or `Officer`.
`bvn`	Yes – 11 digits; used as officer identifier if `customerNumber` omitted.
`dateOfBirth`, `gender`, `phone`, `email`	Yes
`addressLine1`, `city`, `state`	Yes
`middleName`, `addressLine2`, `country`, `customerNumber`, `nationalId`	Optional

Optional: guarantors

Same structure as individual guarantors (natural persons).

Request (Example)

{
    "accountNumber": "TEST-LOAN-BIZ-001",
    "rcNumber": "RC1234567",
    "customerNumber": "",
    "businessName": "Dikript Test Ventures Ltd",
    "businessType": "LimitedLiability",
    "phone": "08011112222",
    "email": "[email protected]",
    "addressLine1": "100 Herbert Macaulay Way",
    "addressLine2": "Suite 4",
    "city": "Lagos",
    "state": "Lagos",
    "country": "Nigeria",
    "principal": 2500000,
    "outstandingBalance": 2100000,
    "daysInArrears": 90,
    "accountStatusDate": "2026-09-01",
    "dateOpened": "2024-06-15",
    "balanceDate": "2026-09-01",
    "minimumInstallment": 175000,
    "currency": "NGN",
    "accountType": "BusinessLoan",
    "purpose": "Inventory financing",
    "term": "24 months",
    "repaymentFrequency": "Monthly",
    "interestRate": 22,
    "interestType": "Fixed",
    "maturityDate": "2026-06-15",
    "branchName": "SME Banking Unit",
    "branchAddress": "Victoria Island, Lagos",
    "reference": "REF-TEST-BIZ-001",
    "corporateOfficers": [
      {
        "firstName": "Test",
        "lastName": "Director",
        "middleName": "",
        "role": "Director",
        "bvn": "22200021533",
        "customerNumber": "",
        "nationalId": "",
        "dateOfBirth": "1985-03-10",
        "gender": "Male",
        "phone": "08022223333",
        "email": "[email protected]",
        "addressLine1": "10 Broad Street",
        "addressLine2": "",
        "city": "Lagos",
        "state": "Lagos",
        "country": "Nigeria"
      }
    ],
    "guarantors": [
      {
        "bvn": "22200022408",
        "customerNumber": "",
        "firstName": "Test",
        "lastName": "Guarantor",
        "middleName": "",
        "dateOfBirth": "1988-11-20",
        "gender": "Female",
        "phone": "08098765432",
        "email": "[email protected]",
        "addressLine1": "5 Broad Street",
        "addressLine2": "",
        "city": "Lagos",
        "state": "Lagos",
        "country": "Nigeria"
      }
    ]
  }

Reponse (Example)

{
    "status": true,
    "message": "Successful",
    "code": "200",
    "apiVersion": "v1",
    "transactionRef": "N202609181144187753",
    "data": {
        "submissionId": "6baef1cd60ff4aa999bc1b1c91276df3",
        "uploadId": "1776221",
        "accountNumber": "TEST-LOAN-BIZ-001",
        "processingStatus": "Queued",
        "providerTransactionId": ""
    },
    "error": null
}

Store submissionId for status polling.