credit
Approve more loans with real-time risk and affordability insights
Make smarter decisions across the loan lifecycle with real-time cash flow data and risk analytics.
Seamless experiences for higher conversion
Offer loans three times faster than traditional methods, without impacting defaults.
Insights and attributes for easy risk assessment
Use real-time cash flow insights from millions of permissioned accounts to make smarter risk decisions and offer more competitive loan terms.
Streamline everything from verification to repayments
Lend smarter with cash flow data
Make smarter credit and lending decisions with unique risk and cash flow insights. Get up to 24 months of cash flow data on the Financial Insights Report for a full financial picture.
See the full picture, faster. Get real-time insights into a borrower’s income in seconds with a breakdown of earnings from salaries, gig work, and more.
Lend smarter with cash flow data
Make smarter credit and lending decisions with unique risk and cash flow insights. Get up to 24 months of cash flow data on the Financial Insights Report for a full financial picture.
See the full picture, faster. Get real-time insights into a borrower’s income in seconds with a breakdown of earnings from salaries, gig work, and more.
The real-time data from Plaid plays a crucial role in powering our automated underwriting and repayments process.
Andy Quach
Head of CommercialRead more
Instantly disburse loans
Speed up loan payouts giving eligible borrowers faster access to funds.
Payouts
Make payouts withdrawals that arrive instantly. Cut hefty costs from cards and acquirers with low fixed-fee payments.
The conversion we've seen with Plaid is by far the best of any open banking provider we've worked with.
Tom Steer
Head of Underwriting
Collect repayments on time, every time
Remove manual follow-ups and high collection costs. Automate borrower repayments for a seamless experience—no hassle, no admin burden.
Recurring Payments
Recurring payments enables users to authenticate only once and then make future payments automatic with no additional approvals needed. Secure, efficient, and stress-free.
Get to know and verify borrowers
Quickly verify account ownership and details, preventing misdirected payments and verifying your borrowers.
Identity Verification
Verify user identities using bank data. Retrieve and match user names for individual and joint accounts — this can be used to complement KYC procedures
Account Verification
Retrieve account number, sort code, IBAN, and BIC automatically within your application’s flow. Enabling easy Payouts or Direct Debit setup.
Unlock real-time cash flow data in as little as 10 seconds.
Unlock 12k institutions across the UK, Europe and North America.
