See the full picture.
Lend with confidence.
SME lending has always been harder than consumer credit
Start with KYC / ID&V and the Decisioning Engine.
Verify the business and its directors, then decide the thin file with Companies House, HMRC and director data in a live decision.
SME lending is ready for a step change
Approval rates still sit below pre-pandemic levels and manual decisions take time. The opportunity is to say yes to more good businesses, sooner.
A richer view than financials
SMEs rarely have the reporting depth of corporates, so real-time Open Banking and accounting data give you a fuller picture of business health.
Decisions in minutes, not weeks
Automated appraisal replaces weeks-long cycles, so you say yes faster and keep good businesses from going elsewhere.
Collections with real-time insight
Live cashflow data tells a temporary dip from a structural problem, so you support borrowers early and recover more.
The SME lending platform built for modern data
Credit Canary connects every stage of the SME credit lifecycle, from origination through to collections.
Broker-connected origination
Receive applications from brokers, aggregators and marketplace partners through a single API.
Rich SME data schema
Open Banking transactions, Xero accounting data, bureau records and Companies House filings merged into a single enriched.
AI-powered appraisal
AI agents appraise lending requests by asking complex questions, cross-referencing data sources and preparing documentation.
Collections and payment alternatives
Direct Debit, Open Banking and card payments unified with your risk engine.
Proactive engagement at scale
AI-triggered alerts, arrears management and borrower engagement.
Portfolio intelligence
Live dashboards, sector-level analytics and strategy simulation across your SME book.
One platform. Every SME lending product.
Credit Canary spans the full range of SME credit.
The business account, turned into a decision.
A raw business current-account feed becomes categorised revenue, costs and a coverage view, the real input an SME lending decision needs.
Where SME lenders win with better data
Whether you're a direct lender, aggregator or lending marketplace, these are the high-impact use cases where Credit Canary turns.
Widen the lending funnel
Accurate end-of-day balances and real-time transaction data reveal liquidity that filed accounts miss.
AI-assisted underwriting
AI agents analyse Xero data, Open Banking feeds and company filings in parallel.
Seamless broker and aggregator connectivity
Receive leads from multiple broker networks, aggregator platforms and lending marketplaces through a single API.
Smarter collections and recovery
Real-time cash flow monitoring spots payment risk before defaults happen.
Continuous risk monitoring
Don't wait for quarterly accounts or missed payments. Open Banking feeds provide daily cash flow signals across your portfolio.
Scale without scaling headcount
Multi-gated decisioning auto-approves clean applications and routes complex cases for human review.
Connected data sources that give you the edge
Credit Canary unifies multiple real-time data sources into a single enriched borrower profile.
Power your lending marketplace with institutional-grade data
Whether you're matching borrowers to lenders, facilitating broker submissions or running a lending marketplace, Credit Canary.
Multi-lender matching
Enrich borrower profiles with verified financial data before matching.
Standardised risk data
Provide lenders with a consistent, enriched data schema across every submission.
Faster deal flow
Pre-verified data and AI-assisted appraisal mean lenders can respond faster.
Ready to lend smarter
to small businesses?
From term loans to invoice finance, Credit Canary gives SME lenders, aggregators and lending marketplaces the real-time data.