Growing numbers of people (including those who are self-employed, in gig economy employment or who have a thin or poor credit history) are unable to access credit.
Meanwhile, many lenders have tightened their lending criteria and some rely on credit reference agency data, which can be inaccurate, to make decisions.
At Bud, we provide industry-leading transactional data analysis so you can lend with confidence, knowing that you’ve taken a robust approach to the decision and avoiding defaults.
We make these capabilities available either as a set of APIs which can be integrated into existing systems, or via a plug-and-play dashboard that’s ready to deploy straight into your assessment centres.
Make your processes more transparent, widen your lending pool and grow your loan book without changing your risk appetite.
Make your processes more transparent, widen your lending pool and grow your loan book without changing your risk appetite.
Reduce risk by having a complete picture of your applicants’ financial position to guide credit decisions.
Reduce risk by having a complete picture of your applicants’ financial position to guide credit decisions.
Prevent application drop-offs with a slick experience and reduced time to decision.
Prevent application drop-offs with a slick experience and reduced time to decision.
Serve those with unusual income patterns.
Identify newly eligible or vulnerable customers.
Support struggling customers.
Bud is the trading name of Bud Financial Limited, a company registered in England and Wales (No. 9651629).
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Bud® is authorised and regulated by the Financial Conduct Authority under registration number 765768 + 793327.