Your competitors are approving loans in minutes.
Are you still reading PDFs?
The GoLend Report replaces manual loan application reviews and decisions with instant, accurate affordability and serviceability outputs - so you can write safer, smarter, faster loans.
2 mins
To first API call
11B transactions
Analysed From Tier 1 banks
10+
Years lending data expertise
3 things killing your customer experience (and loan growth)
Manual reviews, incomplete applications, chasing physical statements, invisible income streams and falsified documents all stop you from scaling your lending business sustainably and efficiently.
Manual Bank Statement Review
It’s slow, operationally inefficient, and error-prone.
Fraudulent documents fly under the radar.
Good Borrowers Get Rejected
Static credit totals don’t reveal serviceability like transaction behaviour can.
Your system rejects potentially good customers.
Screen Scraping Has Shelf Life
CDR’s screen-scraping phase out is underway. Lenders need to plan for the future of their lending workflows now.
GoLend Turns Bank Data Into Bulletproof Lending Decisions in Seconds
2–4 hrs per application
FTE time spent on non-decision tasks
Missed income sources, overlooked liabilities, human error
Slower approvals, higher cost-per-loan, lost deals
Lending decisions built on data, not documents.
So Your Credit Teams Can Trust Every Yes.
Payslips can be faked. Bank statements can be edited.
The GoLend Affordability Report goes beyond static totals and physical documents to provide your credit team with a decision-ready report in minutes.
The inights are based on verifed income, expenses, assets, liabilities and the behavioural signals that reveal a borrower’s true financial position.
No manual reviews, no human-error, no delays to approve new customer loans.
The GoLend Report includes:
- Affordability assessment — net income vs. total expenses, calculated automatically
- Serviceability outputs — can the borrower service this loan at the proposed repayment amount?
- Spending category breakdown — 500+ transaction categories for a complete financial picture
- Income verification — consistent income patterns identified across employment types
- Risk flags — irregular income, undisclosed liabilities, high-risk spending patterns
- Structured JSON outputs & PDF reports — ready to plug into your credit decisioning system
How GoLend Works
01
Input
GoLend accepts Open Banking data, direct file upload, or integration with your existing data source.
02
Categorise
Every transaction is categorised with industry-leading accuracy across 100+ income and expense categories.
03
Analyse
GoLend calculates net income, fixed and variable expenses, debt obligations, and surplus.
04
Output
Clean, structured JSON outputs or PDFs delivered to your system of choice.
Built for lenders who move fast
Banks & High-Volume Lenders
GoLend automates the affordability analysis layer so you can grow approvals without growing headcount.
Non-Bank & Established Lenders
Migrating from screen scraping products? GoLend is your API-first, CDR-compliant replacement.
Credit Analysts
Replace the PDF review queue with structured, automated outputs.
Trusted by leading Australian lenders
Loan Options AI, One Click Life, Arab Bank, CMCU, and others use GoLend to automate their affordability workflow and reduce time-to-decision.
Start Writing Smarter, Safer, Faster Loans
No lengthy enterprise procurement. No 6 month integration project.
01
Access To Sandbox
0-48 hours
Run real categorisation and affordability analysis against test data.
02
Integrate Via API
2-5 business days
Full API documentation and SDK support.
03
Go Live In Production
Under 2 weeks
Move from sandbox to production with your dedicated on-boarding engineer.
Test Our Insights.
Get immediate access to sample GoLend Affordability Reports.
