Convert more borrowers with faster, smarter lending

Improve borrower conversion, underwrite with confidence, detect document fraud earlier, and fund loans faster. Flinks gives consumer lenders the tools to reduce drop-offs and power smarter decisioning.
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Trusted by leading financial institutions and innovators

The problem
Drop-offs and shallow data are holding you back
Borrowers abandon applications when onboarding feels slow or complex. Underwriting becomes harder when income and cash flow data is incomplete or manually collected. Missing signs of document fraud leaves you exposed to financial loss. When teams spend extra time reviewing files, you end up creating bottlenecks that reduce conversions and shrink your pipeline.
The Flinks solution
Increase conversions.
Decide smarter. Reduce risk.
Flinks helps consumer lenders streamline every stage of the borrower journey. Connect accounts instantly for smoother onboarding, access enriched income and cash flow insights to understand financial health, use AI-powered fraud detection for document processing, and offer fast loan disbursements. You’ll approve more good borrowers with greater confidence.

How Flinks can help

ONBOARDING (KYC)

Faster onboarding, fewer drop-offs

Give borrowers a quick, secure way to connect their banking accounts and verify ownership. Reduce manual inputs and errors while delivering a smooth, modern loan application experience.

Explore Onboarding
INCOME VERIFICATION

Verify income instantly, even for thin-file borrowers

Move beyond pay stubs and self-reported information. Flinks identifies employer deposits, government benefits, recurring income, and trends so you can confirm stability and repayment capacity in seconds.

Explore Income Verification
UNDERWRITING

Financial insights for smarter credit decisions

Access up to 12 months of enriched transactions with attributes built for consumer lending: Free cash flow, recurring obligations, loan payments, NSFs, overdraft patterns, stop payments, and signs of income loss.

With these insights powered by Flinks Enrich, you can segment borrowers more accurately and maintain a healthier risk profile.

Explore Underwriting
DOCUMENT PROCESSING

Automate document reviews and detect fraud earlier

High-volume lending requires speed and accuracy. Flinks uses OCR and AI-powered fraud detection to extract data and flag inconsistencies in bank statements and void cheques. Automated document checks reduce manual reviews and help you eliminate fraudulent applications sooner.

Explore Document Processing
ACCOUNT FUNDING

Faster loan disbursements

Support quick loan funding and reliable repayment setup with account validation, PADs, and transfers. Reduce NSFs, manual input errors, and friction so borrowers can move smoothly from approval to receiving funds.

Explore Account Funding
It’s all about understanding our customers—and Flinks provides the best insight into consumer behaviour that exists.
Tyler Thielmann
VP of Consumer Lending

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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