Credit Atlas API v1

Developer portal

Credit Atlas is a credit risk engine for business lending. Send a company and its borrower. Get back a risk assessment, scored against your lending policy, with every input that produced it.

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What Credit Atlas does#

Assessing a small business means gathering the same evidence every time, from sources that are public but scattered across registries, filings and open data, each in its own language and format. Credit Atlas gathers it, normalises it into one shape, computes the ratios and checks, and returns a scored result. The lender's analyst makes the decision.

You send

The company identifiers for its market, the borrower's representatives, the loan request, and the policy version to apply.

Credit Atlas collects

Company registry, financial statements, tax status, court and insolvency records, credit bureau and sanctions. Bank account data where the borrower has consented.

You get back

A policy outcome, twelve financial ratios, every policy check, existing credit exposure, reason codes carrying the value and the threshold, and the evidence behind all of it.

Markets#

Estonia, Latvia and Poland. One integration covers all three: the request and response shapes are the same everywhere, and what differs between markets is published as data at GET /v1/countries/{code}. Financial statement lines are normalised to a fixed set of canonical keys, so the same ratio means the same thing in every market.

Documentation#

Start here What the API does, the endpoint list, and a working integration in five steps. The model The assessment lifecycle, how missing data is reported, and what each market answers. API reference All eight operations, with parameters, bodies, responses and the error catalogue. Webhooks The five events, signature verification in three languages, and the retry schedule. Authentication Your key, your first call, consent handling and the versioning policy. Schemas Every object, field, type and validation rule, generated from the specification.

Downloads#

The machine-readable contract and a complete worked result for each market. Load the specification into your API client or code generator; every example validates against it.

OpenAPI specification openapi.yaml, OpenAPI 3.1, version 1.0. Every operation, event and schema. Worked result: Estonia A complete assessment for an Estonian company. Worked result: Latvia A complete assessment for a Latvian company. Worked result: Poland A complete assessment for a Polish company. Markets The GET /v1/countries response, and one per market: ee, lv, pl.

Getting access#

Keys are issued at onboarding, together with the host, the callback signing secret and the policy version identifiers you send as policy_version. Get in touch to start.