Integrations · credit bureau · borrower check
A borrower check request to the credit bureau — from a public page straight into the CRM
Client:
Agricultural lending, NDA
Category: Integrations
Stack: Bitrix24 (boxed, REST webhook), PHP 8.1, SOAP (ext-soap), First Credit Bureau services, JavaScript
Timeline: tight deadline
Problem
The company needed to test an idea quickly: an applicant fills out a form on the website, the application immediately becomes a deal in the CRM, and the borrower check with the credit bureau runs from the same process — with no manual re-entry of IIN/BIN and crop data.
Constraints
A tight deadline; the credit bureau services were integrated from the technical documentation, and borrower and guarantor data had to be validated before submission.
What I did
- A public form page: purchase year and crop are pulled from the deal field dictionaries, and the area accepts integers only
- IIN/BIN validation by checksum (12 digits, two weight sets) — both in the browser and on the server
- Several guarantors in one application, each IIN/BIN validated separately
- The application creates a deal in the right pipeline via a REST webhook; after submission, a digital-signature window opens
- A credit bureau SOAP client: batch data upload (XML → ZIP → base64), upload status, report retrieval, an optional REST mode
- A client for the credit bureau's satellite field-monitoring service: authorization with token refresh, a request by IIN/BIN, the report result and request history
Architecture
Public form
→ IIN/BIN validation
→ Bitrix24 deal (REST)
→ Digital signature
→ Credit bureau service clients
Result
An application from a public page becomes a deal in the CRM, borrower and guarantor data are validated before submission, and the credit bureau service clients are packaged as separate libraries and reused.
What can be reused
IIN/BIN checksum validation (JS and PHP)
Credit bureau SOAP client: batches, status, reports
Client for the credit bureau's satellite field-monitoring service