Launch on regulated-grade credit infrastructure. Pay like a startup.
Up to 12 months of reduced platform fees across decisioning, open banking, affordability and payments, with pricing that grows as you do.
Apply nowBuilt for the companies banks are not built for.
Lenders and BNPL
Go live with compliant decisioning and affordability without building a risk stack.
Brokers and marketplaces
Pre-qualify applicants with open banking data before you send them anywhere.
Credit unions and community banks
Modern origination and payments on a budget that respects members' money.
Fintechs building affordability or payments
Income verification, surplus checks and pay-by-bank from one integration.
One launch period. Then we grow together.
The standard startup track
- 6 months of reduced platform fees
- 50% off platform fees
- Data and usage at standard rates
- Up to two modules
- Sandbox plus two onboarding sessions
- Founder community and monthly regulatory office hours
- 25% off in year two
Your launch period doubles
- Your launch period doubles to 12 months
- 50% off platform fees
- Data and usage at standard rates
- Any modules, agreed at scoping
- Named success manager
- 50% off in year two, 25% in year three
The saving is on platform fees only. Data products (bureau, open banking, ID checks) and usage are charged at our standard published rates. Exact discount is set at scoping and confirmed in your programme agreement. New customers only.
Your unit cost falls as your volumes rise.
Launch period
Low fixed platform fee. Most of your cost is usage, so it stays small while you are small.
Tapered year
Platform fee steps up gradually. Usage rates step down as you pass volume bands.
Standard
The same published volume pricing as every other client, at the band your volumes have earned.
We only grow when you do.
The whole platform, from day one.
Originate
Digital application journeys with open banking and ID checks built in.
Unify
One customer record across bureau, open banking and your own data.
Decide
A compliant decision engine live in weeks, not quarters.
Pay
Pay-by-bank, Direct Debit and Faster Payments from the same platform.
Act
Automated customer communications and collections workflows.
Performance
Portfolio and decision analytics you can show your board and your regulator.
Infrastructure that already answers the questions your regulator will ask.
Regulated-sector depth
Consumer Duty, CONC, UK GDPR and the Electronic Money Regulations are built into how the platform works, not bolted on.
A record year, with no extra staff or marketing.
GMB Credit Union streamlined onboarding and automated underwriting, achieving their best year.
Read the full case studySpeed to live
Sandbox access on acceptance, and a typical first live decision inside the first quarter of the launch period.
Who can apply
- UK-incorporated or UK-regulated, under five years old, pre-Series B, under £10m raised
- Building a lending, broking, credit, payments or affordability product
- FCA-authorised, in authorisation, an appointed representative, or exempt (for example a credit union)
- New to Credit Canary, one application per company
- Partner-backed track: applied within 12 months of your last funding round
How it works
- 1Apply
Five-minute form.
- 2Scoping call within five working days
We map your use case and confirm your track.
- 3Sandbox access and your programme agreement
Start building against real APIs.
Apply to the startup programme
Tell us about your company and we will be in touch within five working days.
Current investor partners
Partner list coming soon. Name your investor on the form and we'll check.
Questions founders ask
What is discounted?
Platform fees only, for the modules in your scope. Data products and usage are charged at standard rates, because we pass those costs through from suppliers. Onboarding and integration support is capped rather than discounted.
What happens after the launch period?
You move to the tapered year, then to standard volume pricing. Nothing jumps to list overnight.
Do you take equity?
No.
Can existing customers apply?
No. The programme is for new customers only.
What if we are not FCA-authorised yet?
Apply anyway. In-authorisation firms and appointed representatives are eligible, and we can help you evidence your systems and controls.
My investor isn't on your list. What happens?
You start on the Launch tier. We contact your investor about the partner programme, and if they join, your terms upgrade to the partner-backed track.