Scale SME lending confidently & profitably
We combine data science and lending expertise to help challenger lenders win new customers, automate operations and prevent avoidable impairments, through a single API
Maximise origination
Embed your service into any channel, offering accurate, multi-product soft offers in under 60s
Increase efficiency
Statistical models enable full workflow automation and reduce data and decision costs
Minimise impairments
Proactive customer and market monitoring help anticipate challenges before they occur
Rapid speed to market
Launch new products in days, and continuously adapt with instant risk and workflow recalibrations
A single API to command your entire lending service
Our end-to-end platform provides everything you need to launch and sustain a profitable lending business, available through one API.
Origination
Expand and optimise your borrower funnel with accurate product recommendations offered in under 60 seconds
Accurate offers on only 5 data points
Soft checks reduce data costs by 80%
Multi-product recommendation engine increases eligibility
Up-front affordability checks increase conversion
Learn more about our Originate product
Operate
Automate collection processes and loan adjustments to maintain a simple, effortless customer service.
Automated repayment collections via direct debit
Configurable product factory and automated servicing workflows
Automatic recalculation of payment holidays and early repayment
Fully integrateable with Loan Management Systems
Learn more about our Operate product
Monitoring
Monitor portfolio health and growth to pre-empt challenges and turn volatility into opportunity.
Customer-level alerts on credit quality and growth drivers
Proprietary ‘ongoing’ behavioural PD score
Single-pane view of portfolio performance and economics
Drill down from sector to individual loan views
Learn more about our Monitor product
Fully featured to win share in new markets, products and customer segments
Our platform was purpose-built to help Challenger and Specialist lenders turn healthy and sustainable profits in underserved SME segments and products
Accurate offers in under 60 seconds
Provide quick and accurate offers in less than a minute using only 5 data points whilst converting at >95%
The right product, every time
Provide multi-product offers from a single quick offer, providing your customers with a wide choice of appropriate options.
Forecast on rich transaction data
Run forward-looking affordability projections on bank transaction data to identify high potential borrowers.
Respond to change before it happens
Monitor customer and market economics, using timely alerts to anticipate customer challenges and opportunities.
Adjust risk parameters instantly
Instantly execute changes to your risk policy with granular, no-code control over your risk parameters.
Customer-first, SME-specific, profit-max’ing decisions
We’ve combined advanced data science and real-world lending experience to develop fully configurable, forward-looking and context-rich models that accurately predict the borrowing and growth potential of small businesses.
Accurate decisioning on <2 years trading history
Context-rich decisions based on 400+ industry subsectors
Proven fully-automated process for £25-250k loan sizes
Multi-product recommendation engine
Instantly reconfigure 200+ risk parameters in no-code
Own your customer relationship in any channel
Your workflow, your way
Build with complete control over your customer and employee experience and workflows.
Move fast without breaking things
Our fully composable services enable agile applications built for continuous improvement.
Build with your best partners
No more 'rip and replace'. Seamlessly integrate with your preferred channel partners and service providers with our API-first platform.
“The level of automation Abel can deliver is better than anything we have seen in the market, and our customers loved the speed at which they could access the funds they needed.”
No more 'rip and replace'
Abel’s APIs can infuse new capabilities into your existing applications or power entirely new lending propositions, providing you with the outcome you need at the appropriate level of investment.
Large software applications
‘Industrialised’ software applications require ‘all or nothing’ usage with high implementation and change costs
Fixed workflows and interfaces with limited configuration
Requires process re-engineering and re-training
Reliance on custom integration backlogs
Only available in full or ‘per module’
Heavy upfront investment, long implementation and ‘big bang’ go live
Abel’s API native platform
Seamless integration and capabilities that can scale in line with your outcomes and investment appetite
Completely flexible and composable services
'Headless' integration with customer and employee workflows
API-native integrations with third party systems
Fully composable for ‘per-feature’ usage
Supports agile implementation across both risk and technology
Seamless integration with your entire lending ecosystem
Our API-native platform can seamlessly integrate with your existing technology estate, accelerated by a range existing integrations into leading lending and technology services.
Built on experience by lending innovators
Our mission is to make innovation a reality for every lender. That’s why we’ve assembled a team of risk and technology professionals from places like FIBR, TSB, Barclays, and CERN.