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Credit Risk & Affordability
  • Live Insights from Consumer Loan Activity

  • Early Signals of Financial Vulnerability

  • Footprint-Free Alternative Data Sources

Online Shopping

20x

Get credit and affordability insights up to 20x faster with instant data from live reporting sources

32%

Boost loan approvals by 32% using psychometrics to evaluate thin-file applicants more effectively

3

Save up to 3 hours per company onboarded with automated credit risk reporting and audit trails

18%

Improve credit model performance by 18% with the addition of alternative data sources

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Acquired.com uses Honey Badger to identify SME risk

“Honey Badger has streamlined onboarding risk at Acquired.com. Its AI-generated reports, built from credit bureau and alternative data, give us instant, reliable insights—enabling faster, smarter decisions from day one”

Rosie Carter, Onboarding Manager, Acquired.com

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AI Enhanced Company Credit Reports

Honey Badger’s company credit reports combine bureau and alternative data—powered by Creditsafe—to give you a clear view of financial health. Our AI analyses credit files, financials, websites, and more to deliver key insights and source data in seconds. Click the risk areas below to explore sample insights.

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Real Time Credit Intelligence

Honey Badger’s real-time credit and affordability insights are powered by millions of consumer loan activity records, delivered in partnership with Infinian to provide a smarter, faster alternative to traditional bureau data.

No credit history? Psychometric data fills the gap with behavioural insight

Honey Badger has partnered with AdviceRobo to offer psychometric testing grounded in deep behavioural science, enabling smarter, more secure, and responsible credit decisions.

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Features That Make Credit Risk and Affordability Look Easy

Honey Badger gives you the tools to crush credit and affordability checks—AI due diligence, rich alternative data, and one gateway to thousands of insights. 

Example of SME risk assessment report generated by Honey Badger

SME Due Diligence? Get One Clear Report.

Honey Badger automatically runs thousands of checks across credit bureau data, alternative data sources, and public web signals to build a comprehensive credit profile for any business. From payment performance trends and director changes to website analysis, online reviews, physical location checks, and signs of operational activity—we surface the signals that matter.

Our AI doesn’t just gather data—it makes sense of it. Each report highlights key risk indicators, prompts for deeper review where needed, and brings consistency to your decision-making process.

Whether you're onboarding new clients or reviewing existing exposure, Honey Badger turns scattered data into structured insight—fast.

Alternative Data for Smarter Consumer Insights

Honey Badger combines rich alternative data from providers like Infinian and AdviceRobo with our own open source intelligence tools to build a deeper, more dynamic view of individual consumers.

By blending behavioural, financial, and digital signals—from spending patterns and affordability trends to online footprint and sentiment analysis—we help you detect early signs of financial pressure, resilience, or potential risk that traditional data might miss.

This multi-source approach enables smarter, fairer decisions—supporting everything from credit scoring and affordability assessments to portfolio monitoring and early intervention.

It’s insight at a new level: fresher, broader, and ready for your models.

Screenshot displaying user affordability metrics based on loan activity data

One Gateway. Thousands of Data Points.

Forget juggling multiple providers, formats, and integrations. Honey Badger gives you a single, secure gateway to a wide range of credit risk and affordability data—spanning traditional bureau files, alternative data, and open source intelligence.

You get raw, structured data exactly how your models need it: clean, standardised, and ready for ingestion. From thousands of granular data points across consumers and businesses to advanced risk signals and context layers, we bring it all together in one API call.

Whether you're building your own credit scorecards, affordability models, or regulatory compliance frameworks, Honey Badger simplifies the data stack—so you can move faster, reduce overhead, and focus on what really matters: better decisions.

We’d Love to Hear from You

Need a demo? Questions about pricing? Want to explore how Honey Badger can work for you? Drop us a message—our team’s ready to help.

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