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Upgrade your loan origination experience

Make smarter credit decisions, simplify lending and expand your market reach with Render

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See how it works

Built by lenders,
for lenders

Render has been built by Abound, the UK's leading Open Banking lender. Our platform and models have been tested on more than 5m credit decisions and reviewed over 3 billion banking transactions.

5,778,398

Credit decisions

>12p.p.

Gini uplift VS Delphi
Credit scores are right on average but wrong in every individual case. We blend Open Banking data with traditional credit sources to fully understand each of your customers. More data leads to better decisions.

Our products

Embedded lending

Speed to market

Launch credit products as part of your customer journey in as little as two months with Render’s end-to-end loan origination and servicing capabilities and deep industry expertise

API led modular offering

Easy to use APIs allow for rapid integration with existing journeys. Select the services you need to get started and adapt as you grow

Unique to you

Make credit a core part of your product with a tailored credit product and branded application journeys

Leverage flexible, compliant and efficient embedded finance solutions, customised to your customer journey. Render’s open banking features look beyond credit scores for smart and responsible decisioning. In turn, you can increase customer engagement and revenue through a seamless lending experience. No rigid premium finance products required.

Origination and decision engine

Instant approvals

Fully automated decisions in < 5 seconds combining thousands of Open Banking records and CRA data.

End to end origination

E2E offering with direct API integration, credit decisioning ending, data collation from CRA and Open Banking, manual underwriting and workflow tooling, ID verification and document generation.

Flexible and scalable scorecards

Rapid integration to new data sources. Start with our library of 400 scorecard features or define your own; no need to worry about infrastructure and scalability as you grow the business

Change your approach to financial status and creditworthiness

Leverage cash flow underwriting to accurately predict credit default risk, and score missing and thin-file consumers.
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Optimise your time to yes

Build no-code decisioning flows easily with automated optimisations and challenge them with real time retro-analyses.
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Digital underwriting advisor for referral cases

For cases that need a manual output empower your underwriters.
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Understand your borrower’s affordability

Our solution allows you to enrich your affordability calculations through the use of our developer API. Connecting with major external data providers, we cover open banking and credit bureau data.

By making the best use of all these data points, Render allows you to get a complete view of each borrower, increasing the accuracy of your score cards.
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Affordability image

Design, develop and run powerful credit automations

Render lets you: build no-code decisioning flows adapted to your underwriting requirements, and challenging them with real time retro-analyses.
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Scale your underwriting processes for referral cases

Integrate Render to your inflow of applications to manage cases that need a manual output. Our software will help you streamline your underwriting processes to analyse banking transactions, credit bureau data and much more in a timely and efficient manner.
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Get unique insights with our Open Banking analytics API

Accurate view of affordability

Meet Consumer Duty obligations with confidence by looking at real affordability not statistical averages which are right on average but wrong in every single case

Risk splitting features

Go further than simple transaction categorisation to identify changes in income, gambling patterns and loan stacking to drive better risk performance

Unlocking credit files limitations

Lend confidently to applicants overlooked by credit files, e.g. with thin credit files or recently recovered from financial difficulty

Real results with Render

40%

More customer approved
Get faster to improve customer, with more confidence. Expand your market reach.

6x

Faster decisioning process
Build automations and focus on the cases that need time.

75%

Reduction in
default rates
Combining CRA data with Open banking.

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Get started with Render

Transform your credit decisioning, embedded finance or loan origination processes with Render. Contact our team to schedule a demo and request pricing information today.

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