Decision: AI-powered credit engine

Render makes personalised credit decisions based on your customers’ unique financial circumstances. Industry-leading accuracy without sacrificing speed or scalability.

Integrations with credit bureaus and aggregators
Open Banking cash flow underwriting
AI models and thousands of proprietary features
Over 100,000 decisions per day
Scalable cloud infrastructure
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Real-time

Instant credit decisions

70%

Reduction in defaults

100K

Decisions daily

£250BN

Processed applications

The power of AI and cash flow underwriting

AI-powered credit models

From simple credit score-based rules to XGBoost AI models for instant quotes and industry-leading accuracy

Cash flow underwriting

Use Open Banking transaction data for 70% lower default rates and high-confidence affordability assessment

Underwriting platform

AI-assisted platform for faster, more accurate manual underwriting: review highest-risk signals and focus on what really matters

Data integrations
and scalability

Data integration

Leverage existing integrations with credit aggregators, credit bureaus, and Open Banking and KYC data providers

Cloud-based platform

Each instance runs in a segregated AWS cloud container, ensuring industry-standard security and scalability

White-label application checks

Render can host your Open Banking, ID verification and document signing flows - processing the credit application end-to-end to disbursal