Lending

A faster, more secure way to assess a borrower’s bank transactions, income and expenses

Or,

Lending
The Problem

Lenders must gather holistic pictures of their applicants, but the process of assessing cash flow, affordability, and income creates considerable work for both the borrower and lender.

The solution

Plaid provides borrowers with an easy, streamlined loan experience; and lenders with access to bank data to make informed loan decisions.

Products and benefits


Verify borrowers’ cash flow

Transactions provides 5+ years of clean, categorised data for personal accounts leveraging Open Banking data to assess cash flow

Verify borrowers’ assets digitally

Assets provides a consolidated report with account balances, uncategorised and categorised transactions, and account identity information

How It Works

Integrate with Plaid

It takes just a few lines of code to drop our front-end module into your app or digital service. Your users will be prompted to connect their bank account, which will launch the Plaid module.

How It Works

Customise for conversion

Customise the module to fit your brand or user preferences, including which financial institutions show up first.

How It Works

Get user-permissioned bank data

Once a user has gone through the flow, we do the work and return a range of relevant bank account data depending on what fits your needs.

How It Works

Audit borrower assets

With Assets, we produce the verified assets and other financial data you need in a consolidated report.

Questions about how Plaid can fit into your business?

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