Credit Scoring API
Embed alternative credit scoring into any lending flow
Credit Scoring API lets fintechs, lenders, and neobanks add ML-driven credit risk assessment without building a data science team. Connect bank transaction data, behavioral signals, and bureau data to get a real-time score with explainability output. Fully REST-based, GDPR-ready, sub-200ms response time.
MRR
$14,320
+12% this month
Active
487
+23 this month
Churn
1.8%
-0.4% this month
$14K/mo
Verified revenue
73%
Choose annual
98.7%
Uptime SLA
<2min
Setup time
The Problem
Sound familiar?
Building in-house credit models takes 12+ months and a dedicated ML team
Bureau-only scoring misses thin-file and underbanked borrowers
Regulatory explainability requirements block deployment of black-box models
The Solution
Credit Scoring API fixes this.
Alternative Data Scoring
Ingests bank transactions, rent payments, utility history, and behavioral signals to score applicants that traditional bureaus would decline as thin-file.
Explainability Layer
Every score ships with top-5 positive and negative factors in plain language, satisfying adverse action notice requirements under FCRA, GDPR, and similar regimes.
Bureau Augmentation
Optionally blends Equifax, Experian, or TransUnion pull with alternative features to produce a hybrid score for maximum predictive accuracy.
How It Works
Set up in under 2 minutes. No complex configuration.
Alternative Data Scoring
Ingests bank transactions, rent payments, utility history, and behavioral signals to score applicants that traditional bureaus would decline as thin-file.
Explainability Layer
Every score ships with top-5 positive and negative factors in plain language, satisfying adverse action notice requirements under FCRA, GDPR, and similar regimes.
Bureau Augmentation
Optionally blends Equifax, Experian, or TransUnion pull with alternative features to produce a hybrid score for maximum predictive accuracy.
Real-Time Decisioning
REST endpoint returns score, band, and recommended limit in under 200ms p99 — fast enough for instant credit decisions at checkout.
Model Monitoring Dashboard
Tracks score distribution, approval rates, and vintage performance month-over-month so your risk team can spot drift before it hits the P&L.
Why not the alternatives?
Same result. A fraction of the price.
| Product | Price | Core feature |
|---|---|---|
| Credit Scoring API | $500/mo | Embed alternative credit scoring into any lending flow |
| Enterprise tool | $149/mo | Overkill for most teams |
| DIY approach | 40+ hrs dev | High maintenance burden |
Integrates with your stack
Simple, Transparent Pricing
No per-user fees. No hidden costs. Cancel anytime.
Starter
- 1,000 scored applications/mo
- Alternative data scoring
- Explainability output
- REST API + webhooks
Scale
- 10,000 scored applications/mo
- Bureau augmentation
- Custom feature weights
- Model monitoring dashboard
- SLA 99.9% uptime
- Dedicated Slack support
Frequently Asked Questions
Is the API compliant with FCRA and GDPR?
Yes. The explainability layer satisfies adverse action notice requirements. Data processing agreements are available for GDPR Article 28 compliance.
Can we use our own historical loan data to calibrate the model?
On the Scale plan you can upload labelled outcome data and we retrain a custom model variant on your portfolio within 5 business days.
What data sources are required from the applicant?
Minimum: 90 days of bank transaction data via open banking or CSV upload. Bureau pull and utility data are optional but improve accuracy significantly.
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