Lending technology, unified
Lending,
built better.
Finbl brings application decisioning, Open Banking, bureau insight, loan servicing and operational risk into one platform for modern lenders.
AM
ApplicationAlex Morgan
DecisionApproved
84 / 100
Open bankingConnected
✓FFINBL CORE
Live portfolio£8.42m12.8%
Originated Performing
ONE SOURCE OF TRUTH
REAL-TIME
One platform. Every stage.
01Applications02Decisioning03Loan servicing04Risk & reporting
Why Finbl
Less friction. More control.
Finbl replaces disconnected systems and manual handoffs with one clear operating platform. Lenders can configure products, journeys, decisioning, servicing and risk workflows around the way they operate.
Decisioning
See the data behind
every decision.
Finbl helps lenders combine application data, Open Banking, bureau insight and policy rules into one explainable decision flow.
Open Banking behaviour and affordability signalsBureau conduct, public records and credit policy rulesPassive challenger engines for safer model testingUnderwriter review with a clear audit trail
Open Banking insightsAccount performance
Data complete
Connected accounts5
Monthly movementIncome and spending
● Income● Spending
Income£13,968.34
Spending£11,904.32
Headroom£2,064.02
Products
The core modules.
Connected together.
Start with decisioning, add loan servicing, and keep risk and compliance activity visible from the same customer record.
01
IFAffordabilityPASSANDCredit policyPASS
Application decisioning
Build lending journeys, connect Open Banking and bureau data, and run explainable decision engines with human review where needed.
02
Live portfolio£8.42m
Loan management
Service fixed-term and revolving loans with schedules, ledgers, statements, settlements, arrears and customer communications.
03
Risk reviewComplaintFCA report
Risk & compliance
Keep complaints, risk reviews, audit evidence, FCA reporting and operational controls close to the customer file.
Workflow builder
Build the process.
Make every step visible.
Connect triggers, conditions and actions on a visual canvas. Teams can automate decisions, communications and operational work while keeping the logic clear and controlled.
Event triggersConditional routesAutomated actionsVisible outcomes
Explore the platformTriggerEvent or schedule
ConditionField and rule checks
ActionTask, message or update
TriggerAgreement signed
When a customer completes document signing
ConditionDocument name
Equals Loan Agreement
ActionUpdate application
Set application status to agreement_signed
ActionCreate task
Assign payout review to the operations team
Workflow details
Connected data
Better data.
Better decisions.
Bring application, bureau, Open Banking, loan and risk data into one view so teams can move faster without losing auditability.
Discover the difference01ApplyCapture
02VerifyOpen Banking & bureau
03DecideRules and risk
04ServiceLMS and reporting
Loan management
Service the loan.
Keep the audit.
Manage schedules, revolving credit, ledgers, statements, arrears and settlements without losing sight of the customer journey that created the loan.
Explore loan managementLoan accountFixed term · Funded
£2,840.22Payment£190.90
Interest£74.42
Fee£5.00
Allocation£111.48
Statement ready
Payments, fees and interest prepared for customer communication.
Risk & complaints
Complaint CMP-102Amelia Clarke
Linked fileLoan 100019
SeverityMedium
Customer disputes the original affordability decision.
Response pack in progress
Risk & compliance
Complaints, conduct
and reporting.
Keep complaints, vulnerability markers, conduct reviews and FCA reporting connected to the customer, application and loan records they relate to.
Explore risk & complianceReady when you are
Build lending
better.
Tell us what you want to improve. We’ll show you how Finbl can bring it together.
Start a conversation