Power the energy transition
with smarter lending and payments
Credit Canary brings lending-grade data intelligence to utilities.
Start with the Affordability Score.
Real affordability from bank data, standalone, with no origination or credit decision required. Ideal for arrears and payment plans.
The debt crisis meets the green transition
UK utilities face a dual challenge.
Spiralling consumer debt
Domestic energy debt has surged past £4.4 billion, up 71% since 2023.
Payment failure rates climbing
Direct Debit failure rates have risen from 0.9% to over 2%, while standard credit customers pay a £135 premium over direct debit.
Green lending demands new capabilities
The Warm Homes Plan requires utilities to originate and service consumer finance at scale.
Regulatory complexity deepens
From Ofgem's Debt Relief Scheme to Consumer Duty requirements and FCA oversight of green finance products.
Two platforms in one, collections intelligence and green lending infrastructure
Credit Canary connects payment collection, credit decisioning and customer engagement into a single platform.
Digital onboarding for energy customers
Branded application journeys for green finance products.
One view of every customer
Merge energy consumption data, payment history, Open Banking transactions and bureau data into a single enriched profile.
Affordability models built for energy
Configurable scorecards that account for energy savings, seasonal usage patterns and household income.
Intelligent payment collection
Direct Debit, Open Banking payments, Pay by Bank and variable recurring payments.
Proactive pre-arrears engagement
AI-triggered interventions before customers miss payments.
Portfolio analytics in real-time
Live dashboards tracking collections performance, green lending portfolio health, payment failure rates and customer engagement.
Powering the UK's green home revolution
The Warm Homes Plan represents the biggest public investment in home upgrades in British history.
Origination at scale
Whether customers come through your own channels, broker networks, aggregator platforms or marketplace partnerships.
Consumer-centric product design
Green lending only works if the economics make sense for households.
Marketplace & aggregator ready
Purpose-built APIs for energy comparison sites, aggregator platforms and broker marketplaces.
Monthly
(Flex export)
(Std 6.9% APR)
Where utilities unlock the most value
From reducing energy debt to powering the green transition, these are the high-impact use cases where Credit Canary transforms.
Reduce energy and water debt
Integrate payment data with affordability analysis to identify customers at risk before they fall into arrears.
Power green lending at scale
Originate, underwrite and service green finance products.
Optimise payment collection
Move beyond rigid Direct Debit with intelligent payment orchestration.
Serve aggregators and marketplaces
Embed financing into comparison sites, broker platforms and energy marketplaces via API.
Support vulnerable customers
Data-driven identification of financial difficulty combined with ethical engagement strategies.
Automate regulatory compliance
Full audit trails for every decision, payment and customer interaction.
Built for utilities.
Deployed on your terms.
Whether you need a proof of value in weeks or a fully embedded deployment.
Talk to our teamReady to transform your collections and lending?
Join the utilities already using Credit Canary to reduce debt, power green lending and deliver better customer outcomes.