Companies

The Companies endpoints manage the business entity that sits behind Credit Key applications and orders. Once a buyer is approved, Credit Key represents them as a company, and these endpoints let you:

• Retrieve and update company information
• Manage beneficial owners for compliance (KYC/AML)
• Add or update repayment payment methods

All endpoints require authentication and should be called from your backend server, not the browser.

Retrieve a Company

GET /company/{id}

Fetch the full company record.

Common uses:

• Displaying Credit Key account details in your admin or CRM
• Verifying company profile data before creating an order
• Checking addresses, contacts, and account status

You will typically obtain a company.id from an Application response or an Order that references the buyer.

Update a Company

PATCH /company/{id}

Update mutable fields on the company profile.

Common uses:

• Updating business contact details
• Modifying billing or operational addresses
• Correcting non-credit profile information

Note: Core identity and underwriting-related fields may be read-only.

List Beneficial Owners

GET /company/{id}/beneficial-owner

Retrieve the beneficial owners currently on file for the company.

Common uses:

• Viewing ownership/KYC details
• Determining if additional owners are required
• Pre-filling administrative or compliance tools

Add or Update a Beneficial Owner

POST /company/{id}/beneficial-owner

Add a new beneficial owner or update an existing one.

Common uses:

• Recording ownership changes
• Adding additional 25%+ owners for compliance
• Updating addresses or correcting previously submitted information

Add a Payment Method

POST /company/{id}/payment-method

Attach a repayment method to the company (e.g., bank account or card).

Common uses:

• Setting up autopay or default repayment details
• Updating expired or replaced payment methods
• Ensuring repayment readiness before processing new orders

Where Companies Fit in the Overall Model

• Applications → Capture business + owner details and perform underwriting.
• Companies → Persistent representation of the approved business.
• Orders & Payments → Transactions and repayment activity tied to the company.

Typical flow:

1. Application is approved → you receive a company.id.
2. You may update company or owner details using these endpoints.
3. You create orders and manage payment methods tied to the company account.