Finicity Small Business Credit Analytics API is one of 41 APIs that Finicity publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
Tagged areas include Small Business Credit Analytics. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.
This API exposes
2 operations
across 2 paths,
and defines 41 schemas.
It is described by OpenAPI 3.2.0, at version 1.43.0.
Requests are made against a single base URL, https://api.finicity.com.
2 operations2 paths41 schemas1 GET1 POST
Metadata
The identity and technical contract details declared by the specification.
Finicity Small Business Credit Analytics API declares
2 security schemes
for authenticating requests.
An API key is passed in the header as Finicity-App-Key (FinicityAppKey).
An API key is passed in the header as Finicity-App-Token (FinicityAppToken).
By default, every request must be authenticated.
FinicityAppKey — The "Finicity-App-Key" from the developer dashboard
FinicityAppToken — A token returned by the /authentication API
Paths & Operations 2
Across 2 paths, the API surfaces 2 operations — 1 GET, 1 POST. Each is listed below with its method, path, parameters, and response codes.
Small Business Credit Analytics 2
Fetch merchant location matches and generate reports
The contract defines 41 schemas that model the data the API accepts and returns. The most detailed are SBCABenchmarkReport (12 properties), SBCAAnalyticsReport (12 properties), ErrorMessage (10 properties), LocationDetail (8 properties). Each schema is shown below with its type and property counts.
ZipCode
string
A ZIP code
SBCAAnalyticsReport
object
A generated report for Small Business Credit Analytics. The report is enriched with retail sales analytics metrics.
12 properties12 required
MetricType
string
The metric family or report type. Possible values are retailsalesanalytics, retailsalesbenchmarks
NumericCustomerId
integer
A customer ID represented as a number. See Add Customer API for how to create a customer ID.
MerchantName
string
Name of merchant.
StreetAddress
string
The full street address of the merchant.
IdValue
string
The identifier value pertaining to the identifier type.
MetricFrequency
string
Frequency of the metric aggregation/reporting. Possible values are Monthly, Weekly.
LocationMatches
object
SBCA location match response data
1 property
ErrorMessage
object
10 properties1 required
AccountId
string
An account ID
IdType
string
The identifier type for finding the merchant.
ReportRequestId
string
Finicity indicator to track all activity associated with this report
SBCAMetricsReportConstraints
object
Request constraints required to create Small Business Credit Analytics report.
1 property1 required
BusinessAddressLine1
string
A street address
SBCAReportType
string
A Small Business Credit Analytics Report type. Possible values: sbcaanalyticsnoncra sbcabenchmarksnoncra
LocationId
string
The unique identifier for the merchant location.
SBCAanalyticsReportData
object
Analytics reports data required to create business analytics.
2 properties2 required
HasConsent
boolean
Indicates that the merchant has provided explicit consent.
Country
string
Country code is Iso3166-1 Alpha-2 code and Alpha 3 standard (max length 3).
SBCABenchmarkResponseData
array
Benchmark response data for SBCA report. This will be present in the report for the report retailsalesbenchmarks.
PhoneNumberWithCountryCode
object
A phone number with corresponding country code.
2 properties2 required
PostalCode
string
The postal code in the merchant's address.
SBCAParams
object
Parameters for small business credit analytics metrics retrieval.
4 properties4 required
LocationDetail
object
A Location detail
8 properties
AssetId
string
An asset ID. Generated by Data Connect or by using the Store Customer Pay Statement API.
BusinessName
string
The name of a business
BusinessDetailsRequest
object
4 properties4 required
CustomerType
string
The type of customer ("active" or "testing" or "" for all types)
PartnerName
string
Name of a Finicity partner
ReportTitle
string
Title of the report
SBCABenchmarkReport
object
A generated report for Small Business Credit Analytics. The report is enriched with retail sales benchmark metrics.
12 properties12 required
BusinessAddressLine2
string
Address Line2, Apt/Unit Details
BusinessPersonallyLiable
boolean
Indicates whether a business owner is personally liable for a loan.
State
string
State
ReportId
string
A report ID
SBCAAnalyticsResponseData
array
Analytics response data for SBCA report. This will be present in the report for the report retailsalesanalytics.
MatchRank
integer
The rank of the match compared to other potential matches.
UnixDate
integer
A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practi…
CustomerId
string
A customer ID. See Add Customer API for how to create a customer ID.
City
string
City
Specification
The full machine-readable OpenAPI contract behind this narrative.
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