We are an independent UK software company building modern, reliable platforms that automate consumer lending and the financial operations behind it. Our products are proven in a live, FCA-regulated lending business and are designed to work on their own or together as one connected suite.
Our products
Six platforms covering the full lifecycle: decide, lend, collect, reconcile, account and automate.
UniLend
Online consumer lending platform
End-to-end loan management for direct-to-consumer lenders, from first lead to final repayment.
- Lead acquisition and broker integration
- Open Banking affordability and automated KYC/AML checks
- Payments, payment plans and collections
- Customer self-service portal
UniScore
Credit decisioning engine
Credit bureau data, affordability and decision results through one consistent API.
- Multi-bureau credit searches from a single request
- Affordability and income verification insight
- Full search history with account-level detail
- .NET client library for fast integration
UniRec
Data transformation & reconciliation
Take any financial data in any format, transform it and reconcile it, with a full audit trail.
- Rule-driven mapping, summarising and splitting
- Chained matching algorithms at any volume
- Drill back from ledger summary to source line
- Exception management and sign-off
UniAccounts
Accounting built for lenders
Turn loan activity into fully costed, coded and balanced financial data.
- Chart of accounts, cost centres and GL journals
- Per-loan sales sub-ledger
- Daily management reporting, drillable to the loan
- Direct feeds from UniLend and UniRec
UniAutomate In development
Automated file transfer
One secure, audited hub for moving files between your systems, banks and partners.
- Scheduled and event-driven transfers
- Secure SFTP and API connectivity
- Central, audited file store
- Alerts when a file is late or fails
UniModel
Flexible data modelling
Define and manage your own business data structures without a development project.
- Custom entities and typed fields per workspace
- Spreadsheet-style grid with inline validation
- Every change versioned with full history
- Role-based access and a REST API
Built to work together
Each product stands alone, but the suite is designed as one flow of data with nothing re-keyed and every figure traceable back to its source.
Decide and lend
UniScore returns a credit and affordability decision; UniLend originates, services and collects the loan.
Reconcile and account
UniRec matches bank and payment data to the ledger; UniAccounts turns loan activity into balanced journals and management accounts.
Automate and model
UniAutomate moves files between systems and partners on schedule; UniModel holds the reference and planning data the rest relies on.
Why UniDat
Built by lenders
We designed these platforms to run our own regulated lending operation, so FCA requirements, affordability and auditability are built in, not bolted on.
Integrated from day one
Connections to credit reference agencies, Open Banking, payment, ID verification and eSign providers are already in place.
Modern Microsoft stack
.NET and SQL Server, Microsoft Entra ID single sign-on, documented REST APIs and client libraries for your own developers.
Find the right fit
Tell us what you are trying to automate and we will show you the products that fit, alone or together.