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Lending

A faster, more secure way for borrowers to access capital

Or,

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Customers using this solution
The Problem

Lenders must gather holistic pictures of their applicants, but the process of collecting income information, account balances, and asset history creates considerable work for both the borrower and lender. Additionally, getting borrowers to connect their bank accounts to receive capital and repay loans is a cumbersome process.

The solution

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

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Trusted by Fannie Mae

Plaid is a certified Day 1 Certainty™ asset verification report supplier for Fannie Mae’s Desktop Underwriter®

Seamless experience

Plaid’s login module for end users is easy to customize and drop into an online loan application

The Assets product provides OppLoans with reliable, high-quality bank data, which makes integrating it into our underwriting process very smooth.
Dave Kamedulski, VP of Product at OppLoans
Products and benefits


Verify borrowers’ assets digitally

Assets provides a consolidated report with account balances, uncategorized and categorized transactions, and account identity information

Verify borrowers' identities

Identity confirms users' identities with what's on file at the bank—in other words, their name, phone number, address, and email — to reduce fraud

Validate borrowers' income

Income validates multiple income sources and verifies employer information with bank data

Check balances in real-time

Balance instantly checks whether users have the funds to make a payment or transfer

Instantly authenticate accounts

Auth pulls users' account and routing information info icon, which can be used to enable seamless payments and transfers in the US and Canada, and debit withdrawals in Europe

Check financial obligations

Liabilities (US only) provides a real-time feed of information about a user’s financial obligations including student loans and credit cards

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.

Integrate with Plaid
How It Works

Customize for conversion

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

On average, it takes users 11.5 seconds to open the module, find their bank, and input their bank username and password to connect their accounts.

Customize for conversion
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.

Get user-permissioned bank data
How It Works

Audit borrower assets

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

Audit borrower assets

Questions about how Plaid can fit into your business?

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