Your competitors are approving loans in minutes.
Are you still reading PDFs?
The GoLend Report replaces physical bank statement reviews with instant, accurate affordability and serviceability outputs - so you can write safer, smarter, faster loans without the headcount.
2 mins
To first API call
$10B transactions
From Tier 1 banks processed
10+
Years lending data expertise
3 things killing your time-to-yes
Manual reviews, physical statements, multiple income streams and falsified data all stop you from scaling your loan business.
Manual Bank Statement Review
Manual bank statement review is slow, expensive, and error-prone.
Fraudulent documents fly under the radar.
Slow time to decision
Borrowers expect an answer in minutes.
Manual workflows means days.
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.
Because Your Transaction Data Doesn't Lie.
Payslips can be faked. Bank statements can be edited.
GoLend removes documents from the process entirely – categorising live transaction data in seconds so your credit team sees a borrower’s true financial position, and approves faster with less fraud risk.
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
Connect bank transaction data via API. GoLend accepts Open Banking data (via our Wych partnership), direct file upload, or integration with your existing data source.
02
Categorise
Powered by GoCat, every transaction is categorised with industry-leading accuracy across 500+ income and expense categories.
03
Analyse
GoLend calculates net income, fixed and variable expenses, debt obligations, and surplus — generating a complete, structured affordability picture in seconds.
04
Output
Clean, structured JSON outputs or PDFs delivered to your system of choice — ready to power your credit decisioning workflow or feed your existing platform.
Built for lenders who move fast
Banks & High-Volume Lenders
Scaling consumer or SME lending? GoLend automates the affordability analysis layer so you can grow approvals without growing headcount. Approve in minutes, not days.
Non-Bank & Established Lenders
Migrating from screen scraping products? GoLend is your API-first, CDR-compliant replacement – with clean integration and a proven track record.
Credit Analysts
Replace the PDF review queue with structured, automated outputs. Your analysts focus on complex judgement calls and edge cases – GoLend handles the routine affordability work.
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 in Days
No lengthy enterprise procurement. No 6 month integration project. Most lenders are live in production within 10 business days
01
Access To Sandbox
0-48 hours
Start your free trial and get instant access to the Mogoplus sandbox environment. Run real categorisation and affordability analysis against test data.
02
Integrate Via API
2-5 business days
Full API documentation and SDK support. Your team connects your existing loan origination system to Mogoplus endpoints.
03
Go Live In Production
Under 2 weeks
Move from sandbox to production with your dedicated on-boarding engineer.
Try GoLend free.
Get immediate access to the GoLend sandbox.
Run realtime affordability and serviceability assessments against your own test data – before you commit to anything.
