Affordability built on real spending
Open banking turns a customer's real spending into an affordability picture: committed costs, discretionary spend and month-end balances, consolidated into a clear surplus figure.
A real affordability picture, not an estimate
Open banking reads actual spending, so affordability is based on how someone really lives, not a form they filled in.
Rent, bills, subscriptions and existing credit, detected automatically.
Day-to-day spending separated from fixed costs.
Loan and card payments already going out each month.
Whether they end the month in credit or overdrawn.
A clear figure for what is genuinely left over.
Whether things are getting tighter or easier.
From spending to a surplus figure
We turn months of transactions into one affordability answer you can act on.
Connect
Your customer links their bank, read-only and consented.
Analyse
We categorise committed and discretionary spend across accounts.
Decide
You get a surplus figure and the breakdown behind it.
Built for responsible decisions
Affordability from real bank data supports fair, evidence-based decisions and a clear audit trail.
Every figure traces back to real transactions.
The same method for every applicant, no guesswork.
Minutes, not days of reading PDFs.
Thin-file and non-standard incomes get a real assessment.
Who uses this
From professional services to lettings and lending, teams across these sectors run it day to day.
Check affordability on real spending
Book a demo and we will build a surplus figure from a live connection against your cases.