Convert more borrowers while reducing risk

Accelerate loan approvals, gain financial insights to power underwriting, reduce fraud and default risks, and streamline repayment management with Flinks’ embedded finance platform.
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Trusted by leading financial institutions and innovators

How Flinks can help

CONSUMER LENDING

Smarter decisioning and automation

We help consumer lenders streamline every stage of the borrower journey. Connect accounts instantly, access enriched income and cash-flow insights to validate stability, automate document processing with AI-powered fraud detection, and support fast loan disbursement and repayment setup.

Explore Consumer Lending
BUSINESS LENDING

Increase velocity and reduce risk on complex applications

Flinks brings speed, consistency, and compliance to business lending. Access financial insights such as operating income, merchant deposits, vendor payments, payroll, cash flow trends, loan payments, liabilities, expenses, and potential loan stacking to assess risk with confidence.

Explore Business Lending

We provide 4,500+ attributes to power smarter decisioning

Explore the different attributes that we offer.

Income arrow_forward

Employer income
Pension income
Non-employer income
Transaction breakdown
Government income
Average and total
Child support income
Trend and frequency
Social assistance income
And more

Credit Risk arrow_forward

Minimum balance
Loan payments
Days with negative balance
Utility payments
Employer income
NSF fees
Total deposits
Average monthly expenses
Monthly free cash flow
And more

Lending arrow_forward

Income attributes
Account age
Credit risk attributes
Purchasing trend
Employer income
Trend and frequency
Loan deposits
Average and total
NSF fees
And more

User Analysis arrow_forward

Income attributes
Recurring payments
Credit risk attributes
Debit activity trend
Average monthly payments
Credit activity trend
NSF fees
Average monthly expenses
Monthly free cash flow
And more

Business Analysis arrow_forward

Average monthly
Rent deposits
Average deposit
Trend
Last two deposit dates
Frequency
Sum per calendar month
Total detected
Insurance deposits
And more
Employer income
Pension income
Non-employer income
Transaction breakdown
Government income
Average and total
Child support income
Trend and frequency
Social assistance income
And more
Minimum balance
Loan payments
Days with negative balance
Utility payments
Employer income
NSF fees
Total deposits
Average monthly expenses
Monthly free cash flow
And more
Income attributes
Account age
Credit risk attributes
Purchasing trend
Employer income
Trend and frequency
Loan deposits
Average and total
NSF fees
And more
Income attributes
Recurring payments
Credit risk attributes
Debit activity trend
Average monthly payments
Credit activity trend
NSF fees
Average montly expenses
Monthly free cash flow
And more
Average monthly
Rent deposits
Average deposit
Trend
Last two deposit dates
Frequency
Sum per calendar month
Total detected
Insurance deposits
And more
Explore Attribute packages
With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.
Jonathan Goler
Chief Risk Officer
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Meet with an expert today

Book a 15-minute chat to see how Flinks can help you build seamless
financial experiences.

Discover how you can:

Onboard and verify clients in seconds
Power smarter decisioning with 4,500+ financial attributes
Get instant access to data from 15,000+ institutions
Authenticate documents and detect fraud automatically
Send and receive payments through one unified platform

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