{ "standard": "lending-deal-package-readiness", "reference_data_version": "0.8.0", "note": "The external registries verified facts cite (Std-9) — the registry layer of the standard. Each entry: what it verifies, its identifier format, operator, and access. Identifier formats indicative; verify against current registry documentation before publication (Std-1 log).", "registries": [ { "id": "companies_house", "name": "Companies House", "operator": "UK Government (BEIS/DBT)", "verifies": "Company identity, status, incorporation, SIC codes, officers, filing history, charges register", "identifier": "Company number — 8 characters (e.g. 00000000, SC000000, OC000000 for LLPs)", "access": "Free public API (api.company-information.service.gov.uk), rate-limited, API key", "url": "https://www.gov.uk/government/organisations/companies-house" }, { "id": "fca_register", "name": "FCA Financial Services Register", "operator": "Financial Conduct Authority", "verifies": "Firm authorisation, permissions, Appointed-Representative status", "identifier": "Firm Reference Number (FRN) — 6–7 digits", "access": "Free public API (register.fca.org.uk), registration required", "url": "https://register.fca.org.uk" }, { "id": "gleif", "name": "GLEIF — Global LEI Index", "operator": "Global Legal Entity Identifier Foundation", "verifies": "Legal Entity Identifier, entity legal name, ownership relationships (level 2)", "identifier": "LEI — 20 characters, ISO 17442", "access": "Free public API (api.gleif.org), open data (CC0)", "url": "https://www.gleif.org" }, { "id": "sic_codes", "name": "UK SIC 2007", "operator": "ONS / Companies House", "verifies": "Nature-of-business classification", "identifier": "5-digit SIC 2007 code", "access": "Open publication; carried on the Companies House record", "url": "https://resources.companieshouse.gov.uk/sic/" }, { "id": "disqualified_directors_register", "name": "Register of disqualified directors", "operator": "Companies House / Insolvency Service", "verifies": "Director disqualification status", "identifier": "Person name + date of birth match (no public stable id)", "access": "Free public search; CH API officer disqualification endpoints", "url": "https://www.gov.uk/search-the-register-of-disqualified-company-directors" }, { "id": "sanctions_screen", "name": "Sanctions & PEP screening", "operator": "OFSI consolidated list (UK) / UN / commercial screening providers (e.g. ComplyAdvantage)", "verifies": "Sanctions designation, politically-exposed-person status", "identifier": "Provider match reference; underlying lists: OFSI Group ID, UN reference", "access": "OFSI list free; commercial providers licensed. Results are informational to a pack receiver (MLR reg-39 note in the catalogue)", "url": "https://www.gov.uk/government/publications/financial-sanctions-consolidated-list-of-targets" }, { "id": "open_banking", "name": "UK Open Banking (account information)", "operator": "OBIE standards; data via FCA-authorised AISPs", "verifies": "Account transactions, balances → affordability, credit turnover, existing repayments, DSCR", "identifier": "Consent-scoped account access (no public identifier); facts carry the AISP as via", "access": "Requires an FCA-authorised AIS provider + customer consent", "url": "https://www.openbanking.org.uk" }, { "id": "land_registry", "name": "HM Land Registry", "operator": "UK Government", "verifies": "Property title, ownership, charges over property (future: security_assets verification)", "identifier": "Title number", "access": "Paid API/services; open price-paid data", "url": "https://www.gov.uk/government/organisations/land-registry", "status": "planned adapter — cited by security_assets.title_number" }, { "id": "hmrc_vat", "name": "HMRC VAT registration checker", "operator": "HM Revenue & Customs", "verifies": "VAT registration number and the registered business name/address", "identifier": "vat_number", "access": "free public API (Check a UK VAT number)", "url": "https://developer.service.hmrc.gov.uk/api-documentation/docs/api/service/vat-registered-companies-api" }, { "id": "registry_trust", "name": "Register of Judgments, Orders and Fines", "operator": "Registry Trust Ltd", "verifies": "County court judgments (CCJs) and similar registered judgments against the entity", "identifier": "entity name / address search", "access": "public search, paid per search (TrustOnline)", "url": "https://www.trustonline.org.uk" }, { "id": "structuring_need_map", "name": "Deterministic product-structure map", "operator": "the producing platform (producer-internal)", "verifies": "Candidate product structures for the stated funding need — a deterministic mapping, not an external register", "identifier": "producer-internal", "access": "producer-internal — listed for completeness so every catalogue verify-source has a registry entry", "url": "https://askvouch.com/dev#coverage" }, { "id": "accounting_api", "name": "Accounting system (Open Accounting)", "operator": "The applicant's accounting provider, reached directly or via an aggregator (e.g. Codat)", "verifies": "Ledger-derived financials: turnover, net profit, gross margin, trade debtors and creditors, as at a stated sync date", "identifier": "consented connection to the applicant's accounting system", "access": "commercial API access with the applicant's consent — NOT a statutory open-data right, unlike UK Open Banking. Terms are set by the provider or aggregator.", "url": "https://www.codat.io" }, { "id": "wms_api", "name": "Inventory / warehouse management system", "kind": "commercial_api", "access": "consented", "note": "Commercial API access to the applicant's own inventory system, with their consent, direct or via an aggregator. No statutory basis — consent is the whole legal basis, as with accounting data." }, { "id": "tms_api", "name": "Transport / logistics management system", "kind": "commercial_api", "access": "consented", "note": "Commercial API access to the applicant's transport system, with their consent. Holds proof of delivery, goods in transit and invoice-to-cash timing." }, { "id": "staffing_api", "name": "Recruitment pay-and-bill / staffing system", "kind": "commercial_api", "access": "consented", "note": "Commercial API access to the agency's own staffing system, with their consent. Holds approved timesheets (the proof of performance), the approved-but-unbilled position, disputed/withdrawn timesheets (which is what dilution measures) and invoice-to-cash timing. Concentrated vendor base — Bullhorn (public REST API: OAuth + /entity + pay-and-bill BillableCharge) and Access Recruitment (FastTrack360, formerly RSM InTime) — so one integration reaches many agencies. No statutory basis; consent is the whole legal basis.", "url": "https://bullhorn.github.io/rest-api-docs/" }, { "id": "construction_pm_api", "name": "Construction project / contract administration system", "kind": "commercial_api", "access": "consented", "note": "Commercial API access to the contractor's own project system, with their consent. Holds applications for payment and their CERTIFICATION status (the independent confirmation that work was done), the retention schedule, and release dates. Retentions sit in a contract schedule rather than as a clean ledger receivable, which is why a funder cannot see them today. Vendors: Causeway, Eque2, COINS, Procore; Payapps (Autodesk) is purpose-built for progress claims. No statutory basis; consent is the whole legal basis.", "url": "https://developers.procore.com" }, { "id": "psp_api", "name": "Card acquirer / payment service provider", "kind": "commercial_api", "access": "consented", "note": "Consented API access to the merchant's own card acquirer - Dojo, SumUp, Worldpay, Stripe, Zettle, Square - directly or via an aggregator covering several at once. Holds settled takings, transaction counts, refund and chargeback rates, and PENDING settlements (money captured but not yet paid over). The payer is the acquirer rather than a trade debtor, which is why this is among the most predictable receivables in SME lending. The same feed underwrites a merchant cash advance AND services it, since repayment is a percentage of takings. No statutory basis; consent is the legal basis.", "url": "https://developer.squareup.com/reference/square" } ] }