Powering infrastructure for businesses that rely on financial data

Flinks gives you reliable connectivity, actionable intelligence, and seamless payments designed to deliver faster, smoother financial experiences.

Talk to an expert

Trusted by leading financial institutions and innovators

One platform,
‍unlimited possibilities

Here are just a few ways Flinks can support your business

Account verification

Instantly verify bank account ownership to streamline onboarding and payment experiences.

Learn more

Onboarding & KYC

Connect bank accounts from 15,000+ institutions across North America and support KYC requirements.

Learn more

Income verification

Verify income and employment across multiple sources, including traditional payroll and gig economy work.

Learn more

Consumer credit risk assessment

Assess consumer creditworthiness faster using enriched financial attributes, risk indicators, and bank statement analysis.

Learn more

Business cash flow analysis

Understand financial health, operating expenses, and liabilities with detailed business cash flow insights.

Learn more

Underwriting

Strengthen underwriting decisions with access to 4,500+ enriched financial attributes and real-time transaction data.

Learn more

Open banking data sharing

Enable secure, user-permissioned sharing of financial data between institutions and applications.

Learn more

Embedded finance

Power connectivity, intelligence, and payments directly within your product for seamless financial experiences.

Build with us

Tenant screening

Assess tenant affordability by verifying income sources and confirming employment status.

Learn more

Merchant cash advance

Evaluate merchant eligibility and repayment capacity using real-time business transaction data.

Learn more

Auto financing

Increase conversions while reducing risk by making faster, more informed auto lending decisions.

Learn more

Equipment leasing

Assess lease affordability and risk using cash flow insights and enriched financial attributes.

Learn more

Utility payments

Set up utility payments by securely connecting bank accounts and enabling recurring billing.

Learn more

Account switching

Migrate existing bills and recurring payments when users switch financial institutions.

Build with us

Investment & asset transfer

Simplify the transfer of securities and investment holdings between financial institutions.

Build with us

Accounting & bookkeeping

Aggregate, normalize, categorize, and reconcile transaction data for accurate financial records.

Learn more

Document processing

Automate the extraction and structuring of financial data from uploaded documents.

Learn more

Document fraud check

Use AI to automatically scan bank statements and void cheques for fraud signals and inconsistencies.

Learn more

How different industries use Flinks

Lending

Make faster, more confident lending decisions with instant bank verification, deep financial insights, and document fraud checks. Reduce manual underwriting bottlenecks and manage risk with data that supports smarter decisioning.

Explore Lending

Financial Institutions

Modernize digital banking with seamless onboarding, account switching, and faster money movement. Support open banking readiness with compliant, OAuth-based connectivity and direct connections to the financial apps your customers already use.

Explore Financial Institutions

Fintech

Reduce engineering complexity so your team can focus on innovation. Flinks provides reliable connectivity, 4,500+ enriched attributes, and payment initiation without the burden of building and managing financial infrastructure in-house.

Explore Fintech

Accounting

Automate financial data ingestion and reconciliation using structured, enriched attributes. Deliver clearer cash flow insights through data that integrates directly into accounting workflows, saving time and reducing errors.

Explore Accounting

Property Management

Streamline tenant screening with reliable financial data, income verification, and cash flow insights. Reduce friction and uncertainty during tenant onboarding while improving screening confidence.

Explore Tenant Screening

The Flinks difference

Financial teams often struggle with unreliable connectivity, limited data intelligence, and manual processes that slow them down. Here’s how Flinks is built differently.

Reliable connectivity

95%+ connection success rate across 15,000+ financial institutions in North America, with broad OAuth support that helps teams maintain consistent access and deliver dependable user experiences.

Depth of data

Access thousands of enriched attributes that transform raw data into structured, actionable insights supporting onboarding, underwriting, and accounting.

Fraud detection

Automate document extraction, verification, and fraud checks for bank statements and void cheques, improving efficiency while reducing exposure to risk.

Predictable unit economics

A single monthly price per unique connection, with unlimited refreshes and no hidden fees. Get more data per connection so expanding workflows doesn’t introduce new costs.

“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

Read case study