Lenders that have a data permission can now use the Positive credit register’s loan data in business lending.

From now on, when a business name entrepreneur or an agricultural or forestry operator applies for a loan for their business activities, the lender can request a credit register extract about their data. 

Read more in our news article. 

Delivery report 01 April 2026

A new version of the Positive credit register system has been released.

New functionalities

Request credit register extracts

  • A lender with an appropriate data permission can also request credit register extracts for the following purposes of use, relating to loans granted to natural persons other than consumers:
    • New loan contract for a person other than a consumer (NewLoan) 
    • Increase of the loan principal or credit limit of a loan granted to a person other than a consumer (IncreaseOfLoanPrincipalOrCreditLimit)
    • Change to the terms of a loan granted to a person other than a consumer (ChangesToTerms)
    • Guarantee or third-party security for a loan granted to a person other than a consumer (GuaranteeOrThirdPartyPledge).

New loans API

  • In New loans API, a loan can be reported using a number already found in the database. The report will be accepted if all the following conditions are met:
    • The status of the loan with the same number in the database is Ended
    • The loan in the database includes information stating that the loan has been transferred to another lender
    • The report includes information stating that the loan has been transferred from another lender
    • The borrower’s identifier in the report matches with the borrower’s identifier of the loan in the database.

When all the above conditions are met, the report will be accepted, the loan in the database will be activated and the reported data will be saved in the database/for the loan.

New loans API and Changes to loans API

  • A validation change was made to New loans API and Changes to loans API: only Kela can report loans using loan type Guarantee receivable for a student loan. If the loan type reported is Guarantee receivable for a student loan, then the loan’s purpose of use must be Guarantee receivable for a student loan.

Changes to loans API

  • A possibility to report Amount drawn against a running account was added to the Changes to loans API.   

Payment transactions API

  • In the Payment transactions API, the processing rules were changed in such a way that the balance of a lump-sum loan can be reported as an individual data element without Amortization paid, Interest paid or Other loan expenses paid. 
  • The processing rules of reporting payment transactions for a running-account loan were changed in such a way that if only one of the elements Interest paid and Loan expenses paid is reported, then any data previously reported about the other element will be deleted.

Delayed amounts API 

  • In the Delayed amounts API, the processing rule of the original due date of the delayed amount was changed in such a way that at least 60 calendar days must have passed from the original due date of the delayed amount when the report is received.
  • The validation rule of the original due date of the delayed amount was also changed in such a way that the original due date may not be earlier than the date of conclusion. 

 

Page last updated 4/1/2026