Scale SME lending confidently & profitably
We combine data science and lending expertise to help challenger lenders win new customers, automate operations and prevent avoidable impairments, through a single API
Purpose-built for profitable small business lending
Launch fast, improve continously
Launch entirely new credit products in weeks, using fully composable services that can be mixed and remixed to adapt and optimise your risk and business strategy.
Automate with intelligence
Enhance your customer experience, with highly automated services that proactively mitigate risk and support customer growth.
Turn volatility into opportunity
Anticipate market and customer volatility, instantly changing your risk strategy and service execution to quickly meet new challenges and opportunities.
A single API to command your entire lending service
Our end-to-end platform provides everything you need to launch and sustain a profitable lending business, available through one API.
Expand and optimise your borrower funnel with accurate product recommendations offered in under 60 seconds
Accurate offers on only 5 data points
Soft checks reduce data costs by 80%
Multi-product recommendation engine increases eligibility
Up-front affordability checks increase conversion
Learn more about our Originate product
Automate collection processes and loan adjustments to maintain a simple, effortless customer service.
Automated repayment collections via direct debit
Configurable product factory and automated servicing workflows
Automatic recalculation of payment holidays and early repayment
Fully integrateable with Loan Management Systems
Learn more about our Operate product
Monitor portfolio health and growth to pre-empt challenges and turn volatility into opportunity.
Customer-level alerts on credit quality and growth drivers
Proprietary ‘ongoing’ behavioural PD score
Single-pane view of portfolio performance and economics
Drill down from sector to individual loan views
Learn more about our Monitor product
Fully featured to win share in new markets, products and customer segments
Our platform was purpose-built to help Challenger and Specialist lenders turn healthy and sustainable profits in underserved SME segments and products
Accurate offers in under 60 seconds
Provide quick and accurate offers in less than a minute using only 5 data points whilst converting at >95%
Forecast on rich transaction data
Run forward-looking affordability projections on bank transaction data to identify high potential borrowers.
Respond to change before it happens
Monitor customer and market economics, using timely alerts to anticipate customer challenges and opportunities.
Adjust risk parameters instantly
Instantly execute changes to your risk policy with granular, no-code control over your risk parameters.
Customer-first, SME-specific, profit-max’ing decisions
We’ve combined advanced data science and real-world lending experience to develop fully configurable, forward-looking and context-rich models that accurately predict the borrowing and growth potential of small businesses.
Accurate decisioning on <2 years trading history
Context-rich decisions based on 400+ industry subsectors
Proven fully-automated process for £25-250k loan sizes
Multi-product recommendation engine
Instantly reconfigure 200+ risk parameters in no-code
Own your customer relationship in any channel
Your workflow, your way
Build with complete control over your customer and employee experience and workflows.
Move fast without breaking things
Our fully composable services enable agile applications built for continuous improvement.
Build with your best partners
No more 'rip and replace'. Seamlessly integrate with your preferred channel partners and service providers with our API-first platform.
No more 'rip and replace'
Abel’s APIs can infuse new capabilities into your existing applications or power entirely new lending propositions, providing you with the outcome you need at the appropriate level of investment.
Large software applications
‘Industrialised’ software applications require ‘all or nothing’ usage with high implementation and change costs
Fixed workflows and interfaces with limited configuration
Requires process re-engineering and re-training
Reliance on custom integration backlogs
Only available in full or ‘per module’
Heavy upfront investment, long implementation and ‘big bang’ go live
Abel’s API native platform
Seamless integration and capabilities that can scale in line with your outcomes and investment appetite
Completely flexible and composable services
'Headless' integration with customer and employee workflows
API-native integrations with third party systems
Fully composable for ‘per-feature’ usage
Supports agile implementation across both risk and technology
Seamless integration with your entire lending ecosystem
Our API-native platform can seamlessly integrate with your existing technology estate, accelerated by a range existing integrations into leading lending and technology services.