Loan underwriting technology for small business lenders

Automate your workflows, reduce operational friction and identify fraudulent financial documents at the point of application.

We’re trusted by the world's leading companies

Portman Asset Finance Logomycashline logo greychestertons logoknight frank logo

Prevent small business loan fraud

According to a recent CIFAS report, "1 in 13 Brits admit" to manipulating documents during applications in the past year.

Reduce application analysis time

Save over 200+ hours a week by adding automated fraud & risk analysis. Verify income and authenticate documents in seconds.

Unleash your ops team's creativity

Free your operations team to concentrate on strategic tasks instead of tedious document reviews that our technology can precisely evaluate.

SMB lending software that helps you scale loans and mitigate risk

Gross lending by the main high street banks totalled £18.4 billion in 2022 and overdrafts, loans, credit cards and commercial mortgages made up the bulk of business lending.

Scale business lending and increase approvals

Reduce the time and manpower it takes to accurately assess operational risk. Available via an easy-to-use UI or an integrated API, our tool authenticates a range of documents attached to a business loan application: bank statements, payslips, tax invoices, investment portfolios and more.

Struggling to understand international documents? Our document analysis and authentication works on foreign documents too.

Discover more about document fraud prevention >

Make more accurate small business lending decisions

Customise your risk appetite and make better loan decisions based on raw banking data lifted straight from business bank statements. Weed out business loan applications that contain false information and edited documents.

Discover more about our Fraud Finder >

Reduce operational risk

A business loan application typically includes around 3-8 documents including bank statements and proof of identity docs. Manually reviewing these at scale leaves significant opportunities for human error and fatigue to kick in.

The majority of application fraud we see is not even detectable by the human eye. Automation significantly reduces operational risk and allows you to scale with security.

Discover more about our consumer lending underwriting solutions >

smb lending

Business underwriting software

How can we measure risk with more precise data and help small business lenders scale? We utilise...

Open banking algorithms
Instant income and affordability verification for tenants.
Advanced document analysis
Unique-in-the-industry technology that flags modifications via a number of tests.
Data enrichment
We generate key risk insights from financial, behavioural & device data
Turn bank statements into unified code
Regardless of Open Banking connection, convert any document into JSON code.

Explore the full power of Homeppl technology

Increase the performance of your risk and ops teams by adding fraud & affordability analysis to your customer applications

Fraud & data
Prevent fraud in consumer applications with document analysis. Extract, group and analyse transactions & account information from financial documents.
Risk & affordability
Build an accurate risk and creditworthiness profile for any applicant. Get more customers by assessing ‘thin-file’ & international profiles. Maintain regulatory compliance.
Guarantees
Take advantage of flexible guarantees that work universally. Protect assets without common insurance friction. Add new financial products to your ecosystem.

Read more about how to combat loan fraud

Prevent lending fraud from impacting your business at the point of application

blog icon
A guide to lending fraud prevention
Fraudulent attacks remain one of the largest threats faced by businesses today. This is of particular concern for loan companies and banks...
blog icon
Case Study: Portman Asset Finance
Read how Portman Asset Finance reduced fraud and cut operational cost by implementing our intelligent document fraud software, Fraud Finder...
blog icon
What is consumer credit risk?
Consumer credit risk refers to the possibility of a loss due to a borrower’s inability to repay a debt in accordance with the lender's agreed terms. Consumer credit products are extended...

Demo the tech making financial risk assessment more simple for loan providers...

We'll provide a short no-obligation demo of each element of our fraud tech, book below:

By proceeding you agree to Homeppl’s Terms and Conditions and Privacy Policy.