Real surplus from real transactions, not a bureau proxy.
Real affordability, measured over time. We track money in versus out and the end-of-day balances behind it, flag the risk of an income or expenditure shock, and show when a customer's surplus is quietly declining.
Affordability over time
Affordability is a trend, not a snapshot.
A single month flatters or fails a customer. We read the whole picture over time so you see where they are really heading.
Money in vs out
Net surplus tracked month over month, not a one-off calculation that only speaks for the day it was run.
End-of-day balances
The balances behind the averages, so a thin month that sails close to zero is not hidden by a healthy-looking mean.
Shock risk
The probability of an income or expenditure shock, scored from the customer's own pattern rather than left to chance.
Declining surplus ↓
Spot customers whose headroom is eroding before they miss, while there is still time to act on it.
Early-warning signals
Changes in pattern that precede arrears, surfaced as they emerge rather than confirmed after the fact.
See it coming
Affordability over time turns a yes/no into a direction of travel, so you lend to the right customers and support the ones heading for trouble.
Categorise. Enrich. Validate.
A purpose-built pipeline ensures high data quality at every stage, origination through collections.
Categorise
Mapped to standard financial statement format for broad use.
Enrich
Thousands of flags-gambling ratios, BNPL exposure, income shocks.
Validate
Open banking alone is incomplete-we overlay credit file data.
Three Ways to Assess Affordability
Different lending contexts need different approaches. Use one method or combine all three.
End of Day Balances
Show available funds before payday and liquidity under stress. Examine balances across pay cycles for genuine buffers.
Aggregate Comparison
Analyse cash in vs cash out to maintain healthy surplus with multi-account reconciliation.
Population Benchmarking
Align affordability with ONS data for postcode. Weight expenditure against benchmarks so decisions aren't distorted.
Customer-Validated Open Banking
Data journeys let customers validate information. Amalgamate accounts with full reconciliation for accuracy.
Surface Risk Signals Automatically
From gambling to BNPL exposure, thousands of flags per application give underwriters instant context.
Gambling Analysis
Detect gambling transactions and calculate gambling-to-income ratio.
BNPL & Credit Lines
Track BNPL repayments and revolving credit exposure.
Income & Vulnerability
Detect income shocks, returned DDs and benefit patterns.
Access Affordability Your Way
White-label console, embeddable module, raw API data, reports.
White-Label Console
A branded underwriting interface with search, filters and full transaction views.
Embeddable Module
SSO-enabled widgets you can embed directly into Salesforce, Dynamics or your own platform.
REST API + Webhooks
Full JSON data via webhooks, transactions, features, income and surplus delivered in chunks.
PDF & Reports
Auto-generated bank statements and affordability reports as downloadable PDFs.
Connected to 25+ UK Banks
Personal and business accounts across major UK banks with transaction history up to 7 years. Additional connections on request.
Affordability That Serves the Whole Business
Affordability analysis that supports every stakeholder: from frontline underwriting to board-level reporting.
Underwriting
Real-time affordability checks with automated rules.
Credit Risk
Deep enrichment flags for better risk decisioning.
Operations
Streamline case handling with enriched data and automated workflows.
One product, wired into the whole platform
Buy Affordability Score on its own, prove it, extend. It runs on the Underwriting Agent, sits in the Decide module, and grows into the next step of the journey.
Read-only open banking across the customer's accounts.
Ready to Transform Your Affordability Score?
See how our pipeline delivers deeper insights.