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Commercial lending

Get an accurate, comprehensive and real-time view of a business’ current financial situation, using Open Banking.

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Instantly access comprehensive insights

In seconds, Credit Kudos turns real-time transaction data into key credit decisioning insights based on both company and individual account(s).

  • Automated Bank Statement Collection

    Instantly collect bank transaction data through our Open Banking journey:

    • Multiple accounts combined into a single view
    • Optmised customer journey with slick UX & UI
    • Multiple ways to invite: in website or app, email
      link or SMS

Powering leading companies

  • PwC
  • Cazoo
  • Curve

Account insights

  • For Companies

    For company bank account(s):

    • Streamline the application process through automated document collection
    • Assess the cash flow of a business and identify key customers and suppliers.
    • Gain rich risk insights, including missed direct debits, director transfers, unarranged overdraft usage.
    • Create a real-time debt profile, including existing and recent lending relationships and repayments.
  • For Individuals

    For sole traders, directors and guarantors:

    • Gain rich risk insights: Understand an individuals’ financial behaviour, including gambling, liquidity and propensity to repay.
    • Instantly verify income from multiple sources
    • Understand an applicant’s affordability: Accurately predict individuals’ repayment capacity, monthly loan commitments, and recent borrowing.
    • Identify fraudulent applications: Use sophisticated protection against fraud, leveraging bank-level secure customer authentication and biometrics.

How we help our partners

  • 4x Faster evaluation time

  • 15% Increase in acceptance rates

  • 5.7% pointReduction in default rates

  • 26% pointIncrease in conversion

What our partners say

  • Through our data-driven partnership with Credit Kudos, we are now able to more quickly and more reliably assess income allowing us to responsibly increase lending volumes. This market-first partnership will change the way our customers, including the financially underserved, access financial services and products.

    Scott Cargill

    CEO, Admiral Financial Services Ltd.

    Admiral logo

Why Credit Kudos

Powerful predictive features

Our predictive features and risk models drive better outcomes for our partners, and their customers. Combining Open Banking and loan outcome data, we build decision-ready, predictive features and scores that have proven results – reducing defaults and increasing acceptances.

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Best-in-class categorisation

Our classification engine uses state of the art modelling techniques and millions of real transactions to categorise a report’s financial data.

See how it works

Market-leading conversion

Access better data without compromising user experience. Our robust Open Banking journey has been built based on extensive consumer, UX and UI research, to deliver a journey that boosts engagement and minimises drop-off.

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Expert advice

We make sure you unlock all the advantages of better data across your business, by partnering you with a dedicated Customer Success manager. Our team works with you to understand your business challenges and goals, so we can give you ongoing expert advice on how to make our data work best for your company.

Book a meeting with the team

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Safe and secure

Our technology was built from the ground up with security and privacy at its core. We’re integrated with some of the largest lenders in Europe and have trusted connections with major financial institutions.

Authorised and regulated by the Financial Conduct Authority.

We provide solutions across industries

We work with lenders, brokers, banks and other financial institutions to easily incorporate complex data sets into a wide array of applications.

  • Banking
  • Credit Cards
  • Tenant Vetting
  • Unsecured Lending
  • Retail Finance
  • Telecoms & Utilities
  • Motor Finance
  • Mortgages
  • Collections
  • SME
  • Gambling
  • Insurance
  • SOLUTION

    Open Banking for Commercial Lending

    Credit Kudos instantly collects, categorises and enriches bank-verified data using Open Banking

  • MOTOR FINANCE

    Enhanced credit decisioning in Motor Finance using Open Banking insights

    CarFinance 247 has used Credit Kudos to enhance its affordability and credit assessments using enriched data, streamline its customer journey, and provide an additional layer of protection against fraudulent applications.

  • Product Information

    Bank Payments

    Credit Kudos' Bank Payments enables lenders to set up a direct payment from customer’s bank account in seconds, using Open Banking.

Get in touch to find out more or request a demo