MORE APPROVALS,
LESS RISK.
Using Open Banking and AI, our platform allows you to fully understand each applicant’s unique financial situation so you can underwrite anyone improving your credit risk. Built by lenders, for lenders.
70% fewer defaults than credit scores
Works across
100% of products
+£1bn lent
annually
Built by lenders, for lenders
Our platform works for any consumer finance product, from credit cards to auto to personal loans
Our platform works for any consumer finance product, from credit cards to auto to personal loans
Less risk. More profitability.
Our cashflow underwriting tools improve credit performance. And all of our decisions are fully auditable, enhancing conduct risk
Our cashflow underwriting tools improve credit performance. And all of our decisions are fully auditable, enhancing conduct risk
£1bn and counting
Proven technology at scale — trusted by lenders across sectors to handle high volumes with confidence.
Proven technology at scale — trusted by lenders across sectors to handle high volumes with confidence.
Remarkable results, right now
Get going and leverage cashflow underwriting to unlock new markets while improving your credit risk.
Leverage Open Banking data and AI
Our dual credit file and open banking approach approves up to 40% more customers than traditional lenders.
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Unlock new markets
Lend to customers you couldn't underwrite before - self-employed, new to country, thin file, new to workforce
Market-leading credit performance
We see 50-70% fewer defaults than the market expectes
We've got everything covered
With Abound, you don’t have to piece it all together, we can power any single part of all five.
Debt funding
The capital to actually pay out loans.
The capital to actually pay out loans.
Credit decisioning
The models, data, and systems to decide who gets approved.
The models, data, and systems to decide who gets approved.
Legal & regulatory permissions
The licenses and compliance needed to operate.
The licenses and compliance needed to operate.
Distribution
The channels and partnerships to reach customers.
The channels and partnerships to reach customers.
Servicing
The tools and teams to manage repayments, collections, and ongoing support.
The tools and teams to manage repayments, collections, and ongoing support.
Built, tested and trusted by us
Abound runs on the very same platform we offer to partners, so every feature is scaled, stress-tested, and resilient in the real world.
Originated
End-to-end lending volume processed through the platform
End-to-end lending volume processed through the platform
Monthly originations
New loans each month without disruption
New loans each month without disruption
Fewer defaults
Risk engine proven to dramatically reduce bad debt
Risk engine proven to dramatically reduce bad debt
More approvals
Smarter credit decisioning opens up new customer segments
Smarter credit decisioning opens up new customer segments
Fintern Limited, trading as Abound
3rd Floor
86-90 Paul Street
London, EC2A 4NE
United Kingdom
Abound is a trading name of Fintern Limited
Fintern Limited is registered in England & Wales No. 12472034
Spread a Smile is a registered charity No. 1152205
Fintern Limited, trading as Abound, is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 929244
Fintern Limited is a member of Cifas – the UK's leading anti-fraud association, and we are registered with the Information Commissioner's Office in compliance with the Data Protection (Charges and Information) Regulations 2018 under registration ZA747930. See our Privacy notice for further details of how we use customers' data.
