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Platform

The only platform where risk and payments work as one.

Credit risk and payment outcomes share one data layer — continuous feedback for smarter decisions and higher success.

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The Platform

Credit Canary automates, end-to-end to unlock new value.

A modular framework that, when combined, drives powerful outcomes — accessible via a single point of connectivity.

One API
Simple point of connectivity
Credit Canary Platform
Modular framework that, when combined, drives powerful outcomes
Originate

Optimised application journeys with eligibility, affordability calculators and broker connectivity

Unify

Enrich and assemble all data sources into a single, validated customer view

Decide

AI credit scoring and real-time decisioning engine that learns continuously from book performance

Pay

Intelligent payment orchestration across all rails with automated retry and full reconciliation

Act

Proactive AI-driven engagement and automated collections, hardship and forbearance workflows

Performance

Unrivalled aggregated portfolio insights and strategy recommendations

AI Agents
Native to every module, delivering end-to-end automation
Continuous Learning
Every decision makes the next decision quicker and smarter
Data Marketplace
Open Banking
ID Verification
Experian
Companies House
Finestra
Salt Edge
TransUnion
HMRC
Postcoder
Twilio

New integrations added regularly

Integrations Library
REST API
REST API
Webhooks
Webhooks
Platforms
Platforms
Core Banking
Core Banking & LMS
Microsoft
Cloud Integrations

Everything you need, in one place

Six purpose-built modules — deploy individually or as a complete platform. Each one compounds the value of the others.

Originate

Branded application journeys, built to convert

Deploy whitelabel journeys across web, app or embedded. Built-in verification and Open Banking injection maximise data quality.

Responsive Whitelabel Embeddable Verified Data Custom Domain
Member Loan
You are applying for
Amount£1,000
Term24 months
APR42.6%
Confirm your details
Mr James Fell
07590571361 ✓ Verified
james.a.fell@gmail.com ✓
Continue
apply.yourcreditunion.co.uk
I would like to apply for:
£2,000
You can borrow between £200 and £1,200
Monthly Fortnightly Weekly
36 monthly payments of:
£150.23
Total Repayable£12,232.32
Indicative APR32.2%
Key Features
Whitelabel Journeys
Responsive flows for web, app & embedded — fully branded via Product & Brand APIs
Live Data Injection
Open Banking data served directly into journeys for real-time eligibility & affordability
Verification Built-in
Mobile, email & address verification at point of capture for maximum data quality
Event-Driven Tracking
Every interaction tracked & optimised — unified ID across every touchpoint
Learn more about Originate
Case Study
GMB Credit Union

A record year — with no extra staff or marketing.

GMB Credit Union streamlined onboarding, automated underwriting and sharpened credit risk rules — their best year.

28% increase in new lending
A record year driven by automation and smarter decisioning.
13,000 hours of admin saved
Automated underwriting freed the team to focus on members.
50% lower origination costs
Every part of the journey got cheaper — onboarding to collection.
Read the full case study
For Developers

Developers love working with us

A clean REST API, comprehensive documentation and dedicated support from day one. Integration in days, not months.

REST API

Clean, well-documented REST API with predictable resource-oriented URLs, JSON request bodies and standard HTTP response codes.

Webhooks & Events

Real-time event streaming for platform actions. Subscribe to events and build reactive workflows in your systems.

Developer Documentation

Comprehensive guides, API references and code examples. Plus a sandbox environment to test integrations before going live.

View Documentation

Ready to see it in action?

Book a 30-minute demo tailored to your use case — we'll show you exactly how Credit Canary fits your team.

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