Turn more applicants into profitable customers.
Goscore combines real-time financial data, affordability analysis and explainable decision intelligence with your existing credit models — helping lenders identify good borrowers others reject, price risk more precisely and grow direct lending responsibly.
1,000 applications arrive — some directly, most through agents and aggregators.
Start with a portfolio backtest before changing a live credit policy.
Stop renting your customers from aggregators.
When you can assess affordability inside your own funnel, you can approve people you currently hand to an agent — and keep the relationship, the data and the margin.
Pick the challenge you already own.
The same financial evidence gets bought for very different reasons depending on whose budget it comes out of. Each route below starts with one test small enough to approve and specific enough to stop.
Recover more good applicants without rewriting your scorecard.
Keep your scorecard. Add verified affordability evidence where it is least certain, and find out which of last year’s declines were good business.
Turn borderline reviews from manual investigation into structured evidence.
Give every borderline case the same structured evidence, so reviews come down to judgment instead of data hunting.
Make direct lending compete with broker distribution.
Pre-qualify in your own channel, and stop paying agents for customers you could have approved yourself.
Make automated credit decisions easier to defend and explain.
Show a customer, an auditor and a regulator exactly why a decision went the way it did.
Know when a customer’s financial reality has changed.
Find out that a customer’s income or obligations have changed while you can still do something about it.
Stop optimising acquisition, approval and risk as separate challenges.
Measure one number instead of three: contribution margin per funded customer.
Add a reusable financial intelligence layer without replacing the core.
One financial data layer your teams can reuse, without touching the core.
Seven capabilities, one data layer.
What each capability does, the evidence behind it, how it connects to your systems, and how lenders put it into production.
Lending Intelligence
Approve good borrowers your current model cannot see.
Underwriting Intelligence
Turn transaction data into a review pack an underwriter can act on.
Growth Intelligence
Win customers in your own channel instead of buying them from agents.
Responsible Lending
Widen access by measuring real affordability, not proxies.
Portfolio Intelligence
See changing affordability across the book you already lend to.
Revenue Growth
Connect acquisition, approval, pricing and loss into one figure.
Financial Intelligence
Consented bank data, cleaned and categorised into features you can trust.
AI is optional language. Better lending economics is not.
Goscore uses statistical models, machine learning and explainable automation where they improve the decision. The commercial promise stays concrete: more profitable approvals, lower decision cost, stronger direct conversion and more defensible lending.
Same core systems. Better evidence.
Run Goscore against historical applications or one narrow workflow, pre-agree the success threshold, and only integrate where the evidence says it pays.
Choose a challenge →