_For businesses that hold credit products directly (e.g., commercial credit card, installment loan)._

- **Primary Consumer:** Business (Recorded in the system as a consumer profile with EIN, legal name, and address).  
- **Secondary Consumer (Optional):** Consumer (e.g., Comaker or Guarantor).  
- **Account Type:** Credit Card or Installment (not a Business Account Type).

**Key Notes:**  
- To report a business accurately to a business bureau, the **business must be created as a consumer in our API architecture.**  
- Business fields on the account are **left blank.**  
- Statements and payment activity are reported in the same way as with a traditional credit card.

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1. **Create Consumer → Business**  
   1. **Name:** Business legal name _(fill last name field first, then fill first name field)_.  
   2. **DOB:** Null.  
   3. **SSN:** EIN or zero-filled.  
   4. **Address:** Business address.

```curl  
--data '{  
   "data": {  
       "type": "consumers",  
       "attributes": {  
           "ssn": "234567890",  
           "date_of_birth": "",  
           "name": {  
               "first_name": "Business",  
               "middle_name": null,  
               "last_name": "Fake",  
               "generation_code": null  
           },  
           "addresses": [  
               {  
                   "line1": "123 5th Street",  
                   "line2": null,  
                   "city": "Kansas City",  
                   "state_code": "KS",  
                   "zipcode": "66202",  
                   "primary": true  
               }  
           ]  
       }  
   }  
}'  
```

2. **Create Account**  
   1. Business fields on the account are **left blank.**  
   2. The consumer that was created for the **business will be the primary consumer.**  
   3. ECOA code in the **primary designation will be Business Commercial.**  
   4. A secondary consumer can be added as the account type isn’t a “business” account.

```curl  
--data '{  
   "data": {  
       "type": "AccountCreate",  
       "attributes": {  
           "credit_product_id": "{{portfolio_id}}",  
           "primary_consumer_id": "{{consumer_id}}",  
           "external_account_identifier": "BIZ23290843113",  
           "primary_designation": "BUSINESS_COMMERCIAL",  
           "account_opened_date": "2025-07-23",  
           "terms_duration": "REV",  
           "reported_consumer_account_number": "BIZ233647",  
           "optional": "secondary_consumers":[  
               {  
                   "consumer_id": "{{consumer_id}}",  
                   "designation": "JOINT_CONTRACTUAL_LIABILITY"  
               }  
           ]  
       }  
   }  
}'  
```

3. **Create Statement**  
   1. Statements should be created as usual.

```curl  
--data '{  
   "data": {  
       "type": "StatementCreate",  
       "attributes": {  
           "account_id": "{{account_id}}",  
           "statement_date": "2025-08-01",  
           "current_balance": 3000.00,  
           "days_delinquent": 0,  
           "credit_limit": 10000.0,  
           "scheduled_monthly_payment": 500,  
           "actual_monthly_payment": 1000.00,  
           "amount_past_due": 0.00,  
           "statement_identifier": "ST123456",  
           "last_payment_date": "2025-07-25"  
       }  
   }  
}'  
```

* * *