Use case: Lending

Digital income verification and affordability assessments

Get accurate, real-time financial insights to accelerate lending decisions

Bud's Assess product dashboard seen on a laptop alongside the credit applicant's experience on a mobile phone

Outdated credit assessments mean missed opportunities

With an increasing level of income now earned outside traditional payroll systems, lenders face growing gaps when assessing self-employed or gig workers for credit.

Manual reviews are slow and error-prone, while credit bureau data can be inaccurate or incomplete.

A smarter, data-driven approach is key to unlocking these lending opportunities, without increasing risk.

Lending made easy

Bud’s transaction enrichment and analytics solutions transform raw banking data into meaningful financial insights, helping lenders automate and optimise digital income verification and affordability assessments.

Evaluate an applicant's financial position with digital income verification and affordability assessments.

Explore Assess ->

Accurately categorise transactions with Bud’s market-leading enrichment.

Explore Enrich ->

Raw transaction data showing Bud enrichments like regularity, category, location and more

Automate and accelerate with Bud

Faster loan approvals

Our digital income verification and affordability assessment solutions help to reduce manual processes and accelerate credit decisioning with accurate, real-time data.

Improved risk assessment

Gain deeper visibility into financial behaviour for better informed and more accurate credit assessments.

Enhanced borrower experience

Simplify the application process, minimising frustrating document uploads and the delay to manually review them.

Reduced fraud and defaults

Detect inconsistencies and identify risk to approve only legitimate applications from eligible borrowers.

Integration

Be live in weeks with our digital income verification and cashflow underwriting solutions.

Total control with our API

Integrate Bud’s APIs into your existing systems.

An illustration of a transaction API call

Off-the-shelf dashboard

Deploy our out-of-the-box affordability assessment tool.

A screen from Bud's Drive product showing different dashboards

Case studies

Short-term loans specialist Moneyboat achieved a 20% reduction in missed payments.

Digital income verification and affordability assessments

Outdated credit assessments mean missed opportunities

Lending made easy

Assess

Enrich

Automate and accelerate with Bud

Integration

Total control with our API

Off-the-shelf dashboard

Case studies

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Ready to transform your digital income verification and affordabilty assessments?