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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.

See Finbl in actionExplore products
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.

ApplicationsDecisioningLoan servicingRisk & 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
Application 10428
Decision consoleSarah Thompson
Refer
Verified incomePass
AffordabilityRefer
Spending riskLow
Income£2,840
Rent£850
Utilities£184
Loan payment£219
Gambling£0

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.

Finbl operating model
Customer operationsApplications
Unified file
IDCustomerStageAmountStatus
10428Sarah ThompsonDecision£4,000Refer
10431Jason PatelDocuments£7,500Accepted
10436Priya ShahOpen Banking£2,250Review
10442Lewis GrantSubmitted£1,800Pending
10447Rebecca MilesDecision£5,000Accepted

Operating model

From application
to loan account.

The same customer record can move from quote and underwriting into servicing, reporting, complaints and ongoing communications.

DecisioningConfigurable journeys, rules and review routes.
ServicingFixed-term and revolving loan management in one place.
RiskComplaints, AML review, FCA reporting and audit evidence.

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 difference
01ApplyCapture
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 management
Loan accountFixed term · Funded
£2,840.22
Payment£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 & compliance

Ready 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