The only platform where risk and payments work as one.
Credit risk and payment outcomes share one data layer, continuous feedback for smarter decisions and higher success.
Nobody wakes up wanting to miss a payment.
It isn't a character flaw, it's an information failure. Someone could have seen it coming, and no one was looking. Lenders have never lacked the intent, they've lacked the tool: a CRM, a decision engine and a PSP that don't share a ledger can't act as one. Credit Canary unifies origination, decisioning, payments and collections on a single data model, so the same signal that changes a decision also changes the money.
The human moves to the edge of the spectrum, never out of it, and never into the middle of it.
Credit Canary automates, end-to-end to unlock new value.
A modular framework that, when combined, drives powerful outcomes, accessible via a single point of connectivity.
Optimised application journeys with eligibility, affordability calculators and broker connectivity
Enrich and assemble all data sources into a single, validated customer view
AI credit scoring and real-time decisioning engine that learns continuously from book performance
Money in, out and on a schedule, settled in real time across every rail with a reconciled ledger
Unrivalled aggregated portfolio insights and strategy recommendations
New integrations added regularly
Everything you need, in one place
Five purpose-built modules, deploy individually or as a complete platform. Each one compounds the value of the others.
Branded application journeys, built to convert
Deploy whitelabel journeys across web, app or embedded. Built-in verification and Open Banking injection maximise data quality.
A record year, with no extra staff or marketing.
GMB Credit Union streamlined onboarding, automated underwriting and sharpened credit risk rules, their best year.
Developers love working with us
A clean REST API, comprehensive documentation and dedicated support from day one. Integration in days, not months.
REST API
Clean, well-documented REST API with predictable resource-oriented URLs, JSON request bodies and standard HTTP response codes.
Webhooks & Events
Real-time event streaming for platform actions. Subscribe to events and build reactive workflows in your systems.
Developer Documentation
Comprehensive guides, API references and code examples. Plus a sandbox environment to test integrations before going live.
Two surfaces for the lender, two for the customer
The same data model, seen from four places, where decisions get made, and where they get delivered.
Origination journeys
Journeys that gather and validate as they go, open banking, bureau and the customer's own confirmation, corroborated into one view before a decision exists.
Underwriting console
Where a human is genuinely needed, the case arrives complete. The underwriter reviews a decision rather than assembling one, and every override feeds the model.
Payment management
The client's own console section: collection dates, monitoring, technical pre-arrears, arrears and arrangements, on one screen.
Banking module
The customer sees the option that fits, re-date, split, part-pay, arrange, chosen from their own open banking and credit data, offered before the payment fails.
Ready to see it in action?
Book a 30-minute demo tailored to your use case, we'll show you exactly how Credit Canary fits your team.
Startups get up to 12 months of reduced platform fees. See the programme →