One API for Commercial Credit Data
Connect to leading commercial credit bureaus and international data providers through a single, unified API schema. Normalize business credit data instantly.
API Contract
One
Bureau Coverage
Global
Every Provider
1 Schema
SCREDIT demo environment · illustrative data, not a customer
Stop Building Distinct Integrations
Every credit bureau speaks a different language. SBUREAUS translates them all into a standard JSON format, saving your engineering team months of integration and maintenance work.
SBUREAUS is a unified infrastructure layer—think of it as a universal adapter for commercial credit bureaus—that abstracts away the complexity of legacy bureau connections.
SCREDIT demo environment · illustrative data, not a customer
Infrastructure for Credit Teams
Use Cases
- Manufacturers & Distributors extending trade credit
- B2B Lending & Financing Platforms
- Equipment & Wholesale Finance
- Credit Departments modernizing bureau access
Credit Teams
Pull commercial credit data into your workflow without managing separate vendor integrations.
Global Enterprises
Standardize credit data format across multiple geographies.
The Integration Nightmare, Solved
Spaghetti Code
Maintaining separate parsers for Experian X12 and Equifax Print Image files.
What SCREDIT doesWe handle the parsing. You get clean, typed JSON.
Global Fragmentation
Launching in a new country means building new integrations.
What SCREDIT doesTurn on new countries with a simple config change.
Latency & Downtime
Direct bureau connections can be flaky.
What SCREDIT doesSmart caching and fallback routing ensure high availability.
Universal Data Schema
Write your decision logic once against our schema, and it works with any underlying data provider. Switch bureaus without rewriting code.
Standardized Fields
Business scores, ratings, and tradelines normalized
Type-Safe SDKs
Libraries for Node, Python, and Go
Smart Merging
De-duplicate data when pulling from multiple sources
Enterprise Connectivity
Built for credit teams running high-volume trade-credit operations. We handle the secure tunnels, certificates, and compliance requirements.
VPN/Leased Lines
Secure connectivity to legacy bureau mainframes
Resilient by Design
Redundant connections with smart fallback routing
Data Encryption
AES-256 encryption at rest and in transit
The SBUREAUS Advantage
Measured against the two ways credit actually runs today — not against a straw man.
| Criterion | SBUREAUSRecommended | Direct Integration | Aggregators |
|---|---|---|---|
| Integration Surface | One REST API and one schema | One build per bureau, per format | One build, plus their data model |
| Data Format | Modern JSON | Fixed-width and X12 | Vendor XML |
| Format Changes | Absorbed by the adapter | Yours to track and fix | Passed through to you |
| Bureau Contracts | Yours, used directly | Yours, one per bureau | Held by the aggregator |
Connect Once, Access Everything
Get Access
Talk to our team and get sandbox API credentials for your use case.
Configure
Select which bureaus and data products you need.
Call API
Send a POST request and get a standardized credit report.