Simple borderless affordability checks for borrowers and Lenders

Global enhanced affordability checks without relying on automated credit ratings. Our platform is designed for individuals and businesses, provides a more comprehensive and personalized credit assessment. By analyzing real-time financial data, income patterns, and unique circumstances, we ensures fair evaluations beyond traditional credit scores.

How it works

Request verification

Select the kind of verification you would like to have done.

Complete the forms

Please share the necessary information and submit all required documents.

Evaluation assessment

We will run enhanced assessment and credit risk decisioning to determine how much you can borrow.

Verifications

Enhanced Affordability Checks for Individuals

Enhanced check usually completes in 24-48 hours and report can be downloaded via digital pdf.

This check evaluates an individual’s suitability for credit or services by considering comprehensive factors like credit history, income stability, expenses, and employment status. It provides a deeper assessment than basic checks, ensuring affordability, reducing financial risks, and supporting responsible lending or service provision tailored to the individual’s circumstances.

You can request this service if you are applying for a loan, considering a debt consolidation, avoiding over indebtedness, or proving your financial health.

£99

Enhanced Affordability Checks for Businesses

Enhanced Affordability checks for businesses usually completes in 24-72 hours and report can be downloaded via digital pdf.

This check evaluates the financial health, creditworthiness, and repayment ability of a business and the director(s). It’s crucial when applying for significant funding, entering new partnerships, or expanding operations. This check considers cash flow, debts, assets, and revenue, helping ensure the business meets financial obligations while minimizing risk for lenders or investors.

You can request this service if you are applying for a business loan, considering debt refinacing, backing supplier agreements, looking for partnerships or investments.

£199

Enhanced Affordability Checks for Businesses + Lender protection

Enhanced Affordability checks for businesses with lender protection usually completes in 24-72 hours and report can be downloaded via digital pdf.

This check evaluates the financial health, creditworthiness, and repayment ability of a business and the director(s). It’s crucial when applying for significant funding, entering new partnerships, or expanding operations. This check coupled with lender protection check considers beyond cash flow, debts, assets, and revenue, helping ensure the business meets financial obligations while minimizing risk for lenders or investors.

You can request this service if you are applying for a business loan, considering debt refinacing, backing supplier agreements, looking for partnerships or investments and want to stand better chances of getting approved.

£500

All in one affordability check provider.

  • Expense Analysis

    Our model assesses and details breakdown of recurring expenses. High discretionary spending, irregular spending patterns, or unreported regular outgoings.

  • Debt-to-income ratio

    Our scoring model spots how much of the applicant's income is already allocated to servicing debt as applicants may have a good credit score but could be overleveraged, leaving little room for additional credit.

  • Unusual financial behaviour

    We spot red flags such as frequent overdrafts, payday loans, or unusually high transactions relative to income. This is a pattern of financial distress that are not yet reflected in automated credit history and checks.

  • Saving and financial resilience

    Whether the applicant has sufficient savings or emergency funds.Standards automated checks don’t spot lack of financial buffers, even among those with a good credit score.

  • Future Financial commitments

    We spot recent changes that could affect affordability, such as marital status, dependents, or health issues. Standard checks miss life events that have not yet impacted credit scores but could affect future financial stability.

  • Financial Vulnerability

    We spot signs that an individual may already be in financial distress. Our advanced models rely on other factors to predict this and not just on frequent overdraft usage, payday loans or high-interest credit products.

  • Tailored Scoring models

    Using a tailored scoring model, we predict a lending limit or amount.

Industries we serve

Financial Services

Our enhanced eligibilitychecks ensure responsible lending, minimize risks, and comply with regulations.

Real Estate

Landlord and landlords’agents can use our enhanced eligibility checks to ensure reliable tenants, reduce risks, and prevent defaults.

Retail and E-Commerce

Manufacturers and suppliers use our service to run an enhanced check and to verify the stability of their business associates.

ALL AROUND YOU

Country coverage

Our enhanced affordability service encompasses data from around the globe. Wherever you plan to grow your business, rest assured we have you covered.

Ready to get your verification started

If you have been referred by a third party to conduct a verification. Click here

Are you a business and would like to see how we can our verification suite can help you make better decisions,

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Eligy is an enhanced affordability verification company that makes it easier for people to evidence their affordability to lenders without relying on automated computer checks. We provide affordability solutions across the globe, spanning income verifications and risk decsioning.