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Documentation Index

Fetch the complete documentation index at: https://docs.leadx.com/llms.txt

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LeadX provides enriched B2B business and contact data via its APIs, which enables use cases like credit risk assessment, sales and marketing, customer verification (Know Your Customer/KYC), and AI-driven analytics. In this tutorial, we focus on credit risk.

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Prerequisites

Before you begin, ensure you have the following:
  • A valid LeadX API Key.
  • You can run the cURL commands in a terminal or another API querying application, like Postman

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Vetting a Loan Application

Suppose Acme Plumbing LLC is applying for an equipment loan. We can use LeadX’s endpoints in sequence to build a credit profile.
1

Get Company Profile (KYC)

First call the /companies endpoint with a company URL:
Terminal
curl -X POST 'https://api.leadx.com/v1/companies' \
  -H 'X-API-KEY: YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"url": "acmeplumbing.com"}'
This call returns details like company name, address, industry, employee count, and NAICS codes. For example, Acme might have estimated_number_employees: 12, industry: Construction, and naics_code: 238220 (Plumbing, Heating, and Air-Conditioning Contractors). Verifying this information ensures we know exactly who the borrower is (KYC) and what business they operate.
2

Find Key Contacts

Next call the /contacts endpoint to get executives or owners. Again, you can use the company URL for input:
Terminal
curl -X POST 'https://api.leadx.com/v1/contacts' \
  -H 'X-API-KEY: YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"url": "acmeplumbing.com"}'
Example output might include information like:
  • "first_name":"Jane"
  • "last_name":"Smith"
  • "title":"Owner"
  • "department":"C Level Executive"
  • "linkedin":"linkedin.com/in/jane-smith"
  • "years_in_role":5.
This tells us Acme’s owner is Jane Smith. Having valid executive information is important, as lenders often verify that the person requesting the loan is who they claim to be.We can further validate these contacts. For example, check Jane Smith’s email with the /emails/validation endpoint:
Terminal
curl -X GET 'https://api.leadx.com/v1/emails/validation?email=jane-smith@acmeplumbing.com' \
  -H 'X-API-KEY: YOUR_API_KEY'
If the response shows "status": "Valid", the email is deliverable.Similarly, we can use the /mobile-numbers/enrich endpoint to retrieve a mobile number:
Terminal
curl -X POST 'https://api.leadx.com/v1/mobile-numbers/enrich' \
  -H 'X-API-KEY: YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"first_name":"Jane","last_name":"Smith","company_name":"Acme Plumbing LLC"}'
A valid phone/email confirms the contact’s identity and helps prevent fraud.
3

Check UCC Filings (Existing Liens)

The /ucc/debtor endpoint reveals any Uniform Commercial Code (UCC) financing statements filed by the business. We call:
Terminal
curl -X POST 'https://api.leadx.com/v1/ucc/debtor' \
  -H 'X-API-KEY: YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"url": "acmeplumbing.com"}'
The following output is provided:
200 - Successful Response
        {
            ...

            "continuation_count": 0,
            "date_expired": "2028-01-15 00:00:00.000000",
            "date_expired_unix": 1836825600000,
            "date_filed": "2023-01-15 00:00:00.000000",
            "date_filed_unix": 1673740800000,
            "has_amendments": false,
            "has_continuation": false,
            "modified_date": 1751888936150,
            "naics_code": "238220",
            "naics_description": "Plumbing, Heating, and Air-Conditioning Contractors",
            "phones": [
                "1234567890"
            ],
            "record_id": "dsldsfjklsdf934",
            "secured_party_class": "Other",
            "state": "NJ",
            "state_db": "NJ",
            "ucc_id": "12345678-NJ",
            "ucc_number": "12345678",
            "ucc_type": "UCC1"
        }
This shows Acme Plumbing has an active lien filed Jan 15, 2023 (expiring Jan 15, 2028). Knowing Acme’s lien count gives insight into its leverage.
4

Build a Risk Profile

Now we combine the data:
  • Firmographics: Industry, size, location, age of company
  • Contact verification: Valid owner/executive information
  • Lien information: Number of active UCCs
Using these data points, we compute a credit score or decision. For example, we might note Acme is a small business (12 employees), in a plumbing-related industry. It has one active lien. A scoring model could weigh these: small size may increase risk, but pledged assets decrease it. This is also a case for a machine learning model to calculate a specific risk score from this combination of data.

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Next Steps

Develop a system to automatically ingest and analyze the data received from LeadX API responses. Automating this process can significantly streamline your loan approval operations, so you can focus more on strategic decision-making rather than manual verification tasks.
Last modified on March 23, 2026