Affordability Checks

Know what a customer can actually afford

VeriLayer reads income, debt and financial stability straight from the bank data a customer shares. You get a clear affordability decision in seconds.

  • Real-time decisioning
  • Built to meet FCA standards
  • 24/7 human support
Request a demo

Approve more with real cash flow data

Verify income

Pull live income from connected bank data. Salary, gig work and irregular earnings, all read and classified, ready to score.

Map debt and commitments

See existing credit, loans and regular outgoings, so you judge real exposure rather than the headline number.

Route automatically

A clear, consistent affordability check lands in seconds, with a full audit trail. Eligible, verified customers pass straight to the lender that fits their situation.

VeriLayer reading categorised open-banking transactions

Verify using open banking

Build financial management experiences on categorised transactions, enriched merchant data, and real-time balances.

See documentation

Trusted by leading financial providers

Learn how our partners qualify customers with confidence.

Absolutely amazing support. Everything was clearly explained with support and no judgement. I highly recommend this service to anyone who is struggling with debt.
UK
UKDE Nicola
Absolutely amazing service always here to help if needed. Highly recommend it and thank you for your help.
CD
CD Sona
Brilliant service, smooth and efficient help and support. I would highly recommend the outstanding help I received.
CL
CLARITY Joanne

Add certainty to every decision

See how VeriLayer verifies, assesses and routes customers in real time. Get a free consultation.

Request a demo