Building on Open Banking for 2026
Our 2026 plan deepens customer-controlled data connections, privacy first. You decide what to share, read-only, and can disconnect at any time.
Newsroom
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Smarter statement analysis for fairer decisions
Better categorisation of business bank statements helps us judge affordability more fairly. A person still reviews every lending decision.
Signposting free support: how we point customers to Business Debtline
We routinely point customers to free, independent business debt advice, including Business Debtline on 0800 197 6026, even when it means not borrowing from us.
A new identity-verification partner
We have partnered with a specialist identity provider for director KYC and AML checks. It confirms who you are; it is not a personal credit search.
Connecting with your accounting software
We are exploring connections with common accounting tools so your loan records can sit alongside your bookkeeping, with you in control of any link.
Direct Debit improvements with our payments partner
Working with a Bacs payments partner, we have made Direct Debit setup smoother. Every collection stays protected by the Direct Debit Guarantee.
Card payments, now simpler and more secure
We have integrated a specialist payment processor for card payments, so your card details are handled securely by the processor and never stored by us.
Open Banking integration: faster, simpler applications
We have integrated a regulated Open Banking provider for read-only bank statement access, so decisions can be quicker. PDF statements still work.