---
title: "Loan Inquiry Events"
method: GET
path: "/v2/book/{book_uuid}/credit-shopping-events"
tags: ["Cash Flow Analytics"]
---

# Loan Inquiry Events

`GET /v2/book/{book_uuid}/credit-shopping-events`

## Request

- Base URL: `https://api.ocrolus.com`
- URL: `https://api.ocrolus.com/v2/book/{book_uuid}/credit-shopping-events`
- Auth: OAuth 2
  - Client credentials
  - Token URL: `https://auth.ocrolus.com/oauth/token`

This API retrieve loan inquiries for an SMB <<glossary:Book>>. It groups a merchant's loan inquiries into clusters to give lenders visibility into how frequently and how recently the merchant has inquired about loans. The response includes two velocity views: individual loan inquiries and grouped loan inquiries, along with the full list of events and their anonymized lender inquiry timestamps.

## Path parameters

- `book_uuid` string, required

## Response `200`

Success

- object
  - `business_id` string: The unique identifier of the SMB entity resolved from the Book.
  - `business_name` string: The name of the SMB entity.
  - `loan_inquiry_velocity` object: Count of individual loan inquiries attributed to the SMB within each rolling window, measured back from the Book’s creation date.
    - `day_count_30` integer: Number of loan inquiries in the last 30 days before the Book’s creation date.
    - `day_count_60` integer: Number of loan inquiries in the last 60 days before the Book’s creation date.
    - `day_count_90` integer: Number of loan inquiries in the last 90 days before the Book’s creation date.
    - `day_count_180` integer: Number of loan inquiries in the last 180 days before the Book’s creation date.
    - `day_count_270` integer: Number of loan inquiries in the last 270 days before the Book’s creation date.
    - `day_count_365` integer: Number of loan inquiries in the last 365 days before the Book’s creation date.
  - `credit_shopping_velocity` object: Count of Loan Inquiry Events (grouped inquiry clusters) within each rolling window, measured back from the Book’s creation date. A single event may contain multiple individual inquiries, so these counts will always be less than or equal to the corresponding `loan_inquiry_velocity` counts.
    - `day_count_30` integer: Number of Loan Inquiry Events in the last 30 days before the Book’s creation date.
    - `day_count_60` integer: Number of Loan Inquiry Events in the last 60 days before the Book’s creation date.
    - `day_count_90` integer: Number of Loan Inquiry Events in the last 90 days before the Book’s creation date.
    - `day_count_180` integer: Number of Loan Inquiry Events in the last 180 days before the Book’s creation date.
    - `day_count_270` integer: Number of Loan Inquiry Events in the last 270 days before the Book’s creation date.
    - `day_count_365` integer: Number of Loan Inquiry Events in the last 365 days before the Book’s creation date.
  - `credit_shopping_events` object[]: One object per Loan Inquiry Event, ordered by `first_inquiry_ts`. Each event represents a cluster of loan inquiries grouped by proximity in time. Events are bucketed by the first application date in the chain.
    - `first_inquiry_ts` string, date-time: ISO 8601 timestamp of the first inquiry in the event. Marks the start of the loan inquiry chain.
    - `last_inquiry_ts` string, date-time: ISO 8601 timestamp of the last inquiry in the event. Equal to first_inquiry_ts when the event contains a single inquiry (duration_days: 0).
    - `duration_days` integer: Span of the event in days, calculated as the difference between `first_inquiry_ts` and `last_inquiry_ts`. Returns 0 when all inquiries occurred on the same day.
    - `inquiry_count` integer: Total number of loan inquiries in the event across all lenders.
    - `unique_lender_count` integer: Number of distinct lenders (organizations) that appear in the event.
    - `lenders` object[]: One entry per distinct, anonymized lender in the event. Lender identities are not exposed; only their inquiry timestamps are returned.
      - `application_history` string[]: ISO 8601 timestamps of each inquiry made by this lender within the event, in chronological order.

## Other responses

- `400`: Invalid book_uuid
- `401`: Missing or invalid credentials
- `403`: No SMB entity resolved for the Book
- `500`: Internal server error

---

[API](https://skmtc.dev/ocrolus/apis/analyze.md) - [All operations](https://skmtc.dev/ocrolus/apis/analyze/llms.txt) - [OpenAPI document](https://skmtc.dev/ocrolus/apis/analyze/revisions/4ef40f224ab5?raw)