Centre

Trade Score API

Trade intelligence for institutional decisions.

How a business actually behaves on its trade accounts, scored and delivered into your own credit systems — for banks, financial institutions and enterprise credit teams.

Talk to our team
Trade Score API ›Console
Sample dataExample

Request

POST /v1/score

Authorization: Bearer sk_••••••••

Content-Type: application/json

Result

—

Band ·

01000
  • Trade paymentImproving
  • ExposureStable
  • RegistryNo recent changes
  • PPSRRegistrations present
  • BureauIn band

Response

waiting
{
"entity": {
"nzbn": "9429041823001",
"name": "Acme Building Supplies Ltd"
},
"score": 742,
"band": "A",
"signals": {
"trade_payment": "improving",
"account_exposure": "stable",
"registry": "no_recent_changes",
"ppsr": "registrations_present",
"bureau": "in_band"
},
"reasons": [
"Paying within terms across suppliers",
"No director changes in the period"
],
"as_at": "2026-09-15T09:23:16Z"
}

Trusted by suppliers across New Zealand and Australia.

From building supply counters to foodservice and rural co-ops.

  • Mitre 10
  • Bidfood
  • PFD Food Services
  • Goodman Fielder
  • CSR
  • OfficeMax
  • Henry Schein
  • Plumbing World
  • Tutt Bryant
  • Farmlands

What's in a score

Five families of signal, one read on how a business trades.

A Trade Score draws on behaviour most credit files never see, and reads it next to the data you already use.

Trade payment behaviour

Sample data
Paid within terms, across suppliersImproving
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Within terms Beyond terms
Trade Score

Each family feeds the score. How they are weighted is something we walk your risk team through, not a formula we publish.

How institutions use it

At origination, across the book, and at review.

The same score and signals, used at three points in the life of a business customer.

Onboarding

Sample data

Onboarding a business borrower

Call the API as the application comes in and put trade behaviour next to the financials. Your credit analyst sees how the business treats its suppliers before the facility is written.

  1. Application received in your system
  2. Score and signals requested for the entity
  3. Result attached to the credit memo

Portfolio monitoring

Sample data

Monitoring a book of business customers

Follow the entities in your portfolio and receive a webhook when one changes band or picks up a new signal, rather than re-scoring everyone on a schedule.

  1. Portfolio entities followed
  2. Event delivered when a score moves
  3. Relationship manager alerted with the reason

Limit reviews

Sample data

Limit and facility reviews

Bring the current trade view into periodic reviews, so a limit renewal reflects how the business is trading now, not how it looked at origination.

  1. Review falls due
  2. Latest score pulled for the customer
  3. Review prepared with the trade view attached

Delivery

Into the systems you already run.

Integrate, don't replace. Call it at the point of decision, hear from it when something changes, or score a whole book at once.

Your system

decisioning

1Centre

/v1/score

POST /v1/score { "nzbn": "…" }

200 { "score", "band", "signals" }

REST

Score on demand

Request a score and its signals for one entity, identified by NZBN or ABN, at the point of decision.

1Centre

events

Your endpoint

POST /trade

registry.changed200
score.updated200
signal.added200

Webhooks

Know when it moves

Follow entities and receive an event when a band changes or a new signal appears. No polling.

portfolio.csvScored file ready
9429041823001742 · A
9429047718220688 · B
12 345 678 901611 · B
9429039910045705 · A
98 765 432 109574 · C

Batch

Score a whole book

Submit a portfolio file and receive a scored file back, for periodic reviews and back-testing.

Documented endpoints

Predictable payloads and versioned changes.

Entities by NZBN or ABN

Resolved against the NZ and Australian registers.

Set up with our team

Scoping, integration and go-live, alongside yours.

Commercial terms

Volume-based pricing agreed up front, not metered per call.

Security and compliance

Embedded throughout 1Centre.

The Trade Score API runs on the same controls as the rest of 1Centre: secure infrastructure, encryption and continuous monitoring, meeting applicable privacy requirements across New Zealand and Australia.

Security & privacy

  • ISO/IEC 27001

    Audit in preparation

  • NZ Privacy Act 2020

    Information Privacy Principles

  • AU Privacy Act 1988

    Australian Privacy Principles

  • Data residency AU/NZ

    Hosted on AWS Sydney

  • Encryption

    In transit and at rest

  • Monitored by RedShield

    Web application security

See 1Centre in action.

A thirty minute walkthrough of how you can set up your entire organisation on the one platform - no builds required.

Book a demoContact sales