Onboarding | Abel

Accelerate time-to-funds

Fully automate the process from application to funding, aligning straight-through capabilities with your chosen risk policy.

Reduce fraud

Conduct thorough analysis of company ownership and activity to fulfil your risk requirements and fight fraud.

Reduce manual intervention

Integrate with advanced digital KYC, KYB and document signing solutions to reduce operational overhead and manual handoffs.

Provide same-day funding, safely

Provide your customers with quick access to the cash they need, whilst staying vigilant and fully compliant.

{
    "success": true,
    "message": "Success",
    "result": [
        {
            "firstName": "Antanas",
            "lastName": "SAUKAITIS",
            "kycApplicantId": null,
            "kycStatus": null,
            "email": "customer2@beabel.io",
            "address": "65 Havelock Drive, Greenhithe, Kent",
            "postcode": "DA9 9XU",
            "dateOfBirth": "1982-04-02",
            "requireSoftKycCheck": false,
            "userId": "3055408741311579773",
            "isPrimaryUser": true,
            "companyId": "3055407695034058353",
            "status": "SIGNUP_INCOMPLETE"
        },
        {
            "firstName": "Edmundas",
            "lastName": "SAUKAITIS",
            "kycApplicantId": null,
            "kycStatus": null,
            "email": null,
            "address": "65 Havelock Drive, Greenhithe, Kent",
            "postcode": "DA9 9XU",
            "dateOfBirth": "1975-08-02",
            "requireSoftKycCheck": true,
            "userId": "3055408746655123073",
            "isPrimaryUser": false,
            "companyId": "3055407695034058353",
            "status": "NEEDS_REVIEW"
        }
    ]
}

curl -L 'https://dev-api.beabel.io/api/v1/decisioning/confirm-kyc-kyb' \
-H 'x-api-key: 9e1x0VbUqj4lCfX8dCZwH7uypjo7cuo4aK1iW7jv' \
-H 'Content-Type: application/json' \
-H 'Authorization: Bearer' \
-d '{
    "companyId": "null",
    "kycResult":[{
        "userId": "",
        "applicantId": "123445678XYZ",
        "status": "completed",
        "address": "65 Havelock Drive, Greenhithe, Kent",
        "postcode": "DA9 9XU",
        "dateOfBirth": "1989-09-01"
    }],
    "kybResult":{
        "Overall": "Pass",
        "CIFASResult": "Pass",
        "AdverseResult": "Pass",
        "BusinessResult": "Pass",
        "SanctionResult": "Pass",
        "ShareholderResult": "Pass",
        "ShareholdingResult": "Pass",
        "TradingAddressResult": "Pass",
        "RegisteredAddressResult": "Pass"
    }
}'

curl -L 'https://dev-api.beabel.io/api/v1/onboarding/confirm-disbursal' \
-H 'x-api-key: 9e1x0VbUqj4lCfX8dCZwH7uypjo7cuo4aK1iW7jv' \
-H 'Content-Type: application/json' \
-H 'Authorization: Bearer eyJhbGciOiJFZERTQSIsInR5cCI6IkpXVCJ9.eyJpZCI6ImQ1OGMyMTVhLWEzMmItNDcwZS1iMzRkLWQwZjE2YjE5MTRkYyIsImV4cCI6MTY4NDM5MzUxMH0.u8YUV7wrgMK-wW2J9avn6XxtrsTk45IBSAnlXm4Bruqu-ex11sBtFNnEwAWU-zUB8KXeKzwbIXTsqKZlQ9CXCQ' \
-d '{
    "companyId": "null",
    "loanId": "3104609827687499397",
    "amount": 20000
}'

Explore our documentation

A fully programmatic credit stack.

Browse our API reference

Paperless and automated take-on process

We support a fully digital onboarding process - providing integrations with leading digital providers of KYC, KYB and digital documentation to provide a seamless take-on experience for your customers and operations team.

Full KYB & KYC, built for SME complexity

Abel integrates with a huge range of data sources to cover business and consumer checks, including for identity verification, AML, fraud and credit, saving hours of manual checks.

Fully automated loan setup

Funding, loan creation, and automatic payment setup are all done in one click, reducing risk of error and application time. Our loan management system provides automatic triggers and data to your CRM enabling real-time customer communication.

Fully featured across the entire lending journey

Dynamic product selection

Provide multiple product offers throughout your application process, maximising eligibility.

Quick offers in under a minute

Provide customers with multi-product soft offers generated in 60 seconds on 5 data points.

Open Banking driven forecasting

Conduct forward-looking transaction analysis and monitoring via Open Banking connections

Cost-conscious decision making

Smart decision model sequencing optimises accuracy whilst minimising data costs.

Automated fast-track originations

Safely fast-track credit-worthy customers through the approval process.

Customer-level early-warning alerts

Vigilantly monitor customer credit health, enabling proactive customer support.

Behavioural PD analytics

Combine servicing, economic and bureau data to track customer default probability.

Sub-sector economic forecasting

Track economic indicators across 400+ sub-sectors to find unique lending opportunities.

Instant risk parameter adjustment

Execute instant changes to your risk policy with granular, no-code risk parameters.

Onboard with ease, no matter the complexity

Benefits