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Everything you need to know about Bud.

Income Verification

Understand income to reduce risk and drive growth

See an individual’s historical, current and predicted income to speed up processing time and serve those in atypical employment.

There's a growing population of people with fluctuating income.

Individuals such as self-employed or gig economy workers may have fluctuating income, or income from multiple sources.

They’re often prejudiced by traditional income verification processes.

At best, they’re forced to verify income manually with pay stubs or bank statements. At worst, they’re unable to access credit altogether.

Get a reliable and straightforward view of your customers’ income

Track historical income, predict future income and review income stability or income shock indicators.

At Bud, we provide a reliable and straightforward means of seeing an individual’s complete monthly income.

Accelerate decision making

Reduce application processing costs by using Assess as an alternative to cumbersome review of paperwork and outdated or inaccurate credit reports.

Reduce risk

Offer appropriate products to applicants based on their true financial profile to limit delinquencies.

Grow your loan portfolio

Responsibly lend to those with unusual income patterns who may find it challenging to access credit elsewhere, supporting those in need while widening your sales funnel.

Don't take our word for it

“By implementing Bud's open banking service, we have been able to stay true to our promise of being a customer-centered brand that supports a streamlined approach to lending. Open banking allows us to consider our customers’ welfare and creditworthiness at a more sophisticated level and this is something that we are proud to be able to offer as a responsible lender.” 



Use Cases

See how Assess works throughout your lending process


Improve conversion rates using aggregators and comparison sites.


Support struggling customers.

Credit Assessments

Better than credit scoring.

Credit Monitoring

Identify newly eligible or vulnerable customers.

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