API Docs

Reach credit decisions in minutes with Open banking

Businesses use Bud to provide fast, accurate affordability assessments based on enriched, real-time data about applicants. 

Contact us
Get started

Leaders building with Bud


Powering Street UK's affordability assessments

Read about how our affordability APIs reduced application times by 43%.

Read the case study

Less Risk. More applications. Stronger decision modeling.


Faster onboarding flows

Improve onboarding times by as much as 87% by pre-filling application forms with Open Banking data.


Reduce defaults

Open Banking data cuts default rates by 40-75% when compared to CRA-predicted default rates.

Credit Risk Assessments

Fast response times – Deliver credit decisions in minutes. 98% of our users can Connect their accounts in under 40 seconds.

Accurate information – Bud's Assess product allows clients to eliminate inconsistencies associated with manual data entry with >90% of affordability fields automatically filled.  

Reduce Risk – Reduce your risk profile with up-to-date financial summaries and valuable insights like income stability and gambling spending. 



Income Finder

Speedy income verification for lending – We offer clients a fast, cost-efficient and more accurate way to identify income sources, including non-traditional and gig economy income streams. Income Finder can identify a wide range of income types, including salaries, benefits, pensions and irregular wages.


Collections & Credit Management

Build engagement with customers – Bud's Assess solution is flexible enough to satisfy clients' needs, whether they need just a PDF overview of an applicant's affordability criteria, or want to fully integrate smart transaction data into their processes. Our average solution deployment time is within 4 weeks of signature.

Reduce defaults and improve support – Get insights into customer circumstances before a default occurs, such as early detection of high-risk activities, timely loan repayments, and income fluctuations.




How it works


How it works


Beyond Open Banking Report

350,000 loans have been made to people with masked credit files including 80,000 mortgages. To learn more, download the report.

Download the report
Beyond Open Banking Module
Our customers

What our customers are saying about Bud

  • “Our new partnership with Bud marks a significant step forward in our campaign for greater transparency, providing us with a wealth of insight that gives customers more power over their financial future”
    Credit Karma Logo
    Ziad Al Baba
    General Manager UK and Canada, Credit Karma
  • “Importantly, the functionality Bud provides will also enable us to continue to meet our responsibilities as a responsible lender, without compromising customer experience.”
    ANZ Logo
    Mike Bullock
    Chief Information Officer, ANZ NZ
  • “Partnering with Bud will empower our customers, by ensuring that their data works even better in their favour, helping them move their finances forward.”
    Alastair Douglas
    CEO, TotallyMoney

Download the Affordability guide

Affordability Guide

Ready to get started?

Explore Bud's platform through our resources or contact our team to learn more. 

Contact us
Get started


Get started building your first integration with Bud.

Go to developer sign up

API Docs

Take a look at all of our
resources available for our APIs.

API Docs