Stop chasing documents. Start lending on real data.
Connect your lending platform to 40+ accounting systems with a single API to take smarter credit decisions.
Trusted by the fastest-growing software companies & banks
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Lend smarter, decide faster
Reduce fraud and errors
Pull data straight from the source to eliminate manual entry and catch inconsistencies early.
Access data in seconds
Pull real-time balance sheets, cash flow and transaction data from borrowers' accounting systems instantly, no document requests needed.
Automate credit decisions
Feed live financial data directly into your scoring models to trigger faster, automated approval workflows without manual review.
Take your integrations to the next level
Unlock the full potential of your software with effortless integrations that scale as you grow. Let us handle the complexity while you focus on what matters.
Create
Easily integrate with Chift’s APIs thanks to our unified documentation, SDKs and developer tools.
Activate
Add connectors in one click and let your users onboard smoothly thanks to easy authentication & advanced onboarding.
Monitor
Track integrations in real-time with a usage dashboard, detailed transaction logs, automated alerts, and robust security to ensure everything runs smoothly.
We extract raw data, standardize it, and input it into our scoring algorithm to deliver instant assessments. Therefore, to effectively serve a broad market segment, it is crucial to integrate with as many systems as possible.
It's ok to have questions
How does Chift integrate with my existing lending platform?
Chift connects to your platform via a single API, designed to fit into your existing tech stack with minimal friction. Once integrated, you get instant access to 40+ accounting systems across Europe, including Xero, QuickBooks, Sage, Pennylane, DATEV, and more, without needing to build or maintain individual connectors.
This means your engineering team integrates once and Chift handles the rest: authentication, data normalization, API maintenance, and versioning. As new accounting systems are added to Chift's network, they become available to your platform automatically, with no additional development work on your side.
How can I automate credit decisions for SME loans?
By connecting directly to borrowers' accounting software, Chift lets you pull real-time financial data, balance sheets, P&L statements, cash flow, open invoices, VAT records, and feed it automatically into your scoring models, removing manual document collection from the process entirely.
Instead of relying on PDFs or spreadsheets submitted by applicants, your underwriting models receive structured, standardized data directly from the source. This reduces the risk of fraud or human error, speeds up decisioning, and allows you to build more sophisticated credit models based on live financial signals rather than point-in-time snapshots. Over time, this enables continuous credit monitoring across your loan portfolio, not just at origination.
How do I speed up the loan application process for small businesses?
Instead of asking borrowers to manually export and send financial documents, Chift pulls the data directly from their accounting system in seconds, cutting days, sometimes weeks, off the application process.
For SMEs, this dramatically reduces the friction of applying for a loan. There are no spreadsheets to prepare, no PDFs to upload, and no back-and-forth chasing documents. Borrowers simply grant permission once and your platform receives the structured financial data it needs immediately. This improves conversion rates at the application stage, reduces drop-off, and creates a smoother experience that sets your lending platform apart from traditional lenders still relying on manual submissions.
How is open finance changing the business lending landscape?
Open finance gives lenders direct, permissioned access to borrowers' live financial data, fundamentally shifting how credit decisions are made. This moves underwriting away from static documents and towards real-time insights, enabling faster approvals, more accurate risk assessment, and continuous portfolio monitoring throughout the loan lifecycle.
For business lenders, this is transformational. Rather than assessing creditworthiness based on last year's accounts, you can evaluate a company's current cash position, recent revenue trends, outstanding receivables, and payment behaviour in real time. Open finance also enables more inclusive lending, as businesses that lack a long credit history can now demonstrate financial health through live accounting data. Combined with Chift's unified integration layer, lenders can operationalize open finance at scale, across multiple accounting platforms and markets, without rebuilding their infrastructure for each new data source.
Is the financial data Chift provides secure and compliant for lending decisions?
Yes. Security and compliance are foundational to how Chift operates, which is why it is ISO 27001 certified. All data exchanges are fully encrypted, access is permission-based and requires explicit consent from the borrower, and Chift never stores your clients' financial data beyond what is needed to process the request.
The platform is hosted in Europe and is fully GDPR compliant, making it suitable for regulated lending environments across EU markets. For lending platforms operating under specific financial regulations, Chift's architecture supports audit trails and data traceability, giving your compliance team the visibility they need. This means you can leverage live accounting data in your underwriting workflows with confidence, knowing that data access is secure, permissioned, and fully aligned with European data protection standards.