Prove affordability and creditworthiness beyond credit scores
Make explainable, regulator-ready decisions on complex customer profiles
Expand access to credit responsibly, without increasing risk
Near-prime and non-prime customers often fall outside simple scoring models. Sikoia brings together open banking, bank statements, payslips, and tax documents to verify income, commitments, and affordability, giving you the evidence needed to make confident decisions on complex profiles.
Self-employed, gig economy, or variable-income customers are frequently declined due to lack of explainable evidence. Our platform structures and analyses richer data so you can assess true affordability and sustainability, rather than defaulting to rejection.
Regulatory focus has shifted from speed to decision quality. Sikoia embeds policy logic, explainability, and full audit trails into every decision, so outcomes are consistent, reviewable, and easy to defend.
“Our goal is to build a lender that works for dealers, while opening up access to car finance for customers who are too often overlooked. Partnering with Sikoia means we can make this vision real, delivering a transparent, dealer-first experience with confidence in every decision.”
Chris Bosworth
CEO of Finclusion
Unlike one-size-fits-all solutions, Sikoia's provider-agnostic platform enables seamless integration of your preferred data sources and partnerships, ensuring a custom solution for optimal business outcomes.
Structured affordability evidence from open banking and documents, clearly linked to loan size and repayment sustainability.
Accurately assess employed, self-employed, and variable-income customers without heavy manual underwriting.
Integrate credit, identity, open banking, and document data into a single decisioning workflow tailored to your risk appetite.
Near-prime and non-prime customers are often declined not because they are unaffordable, but because their financial profiles don’t fit rigid scoring models. By using richer affordability and income data, Sikoia enables you to confidently serve customers that more traditional lenders cannot assess, widening your addressable market without increasing risk.
Traditional approaches rely on heavy manual underwriting to handle complex cases, limiting growth and consistency. Sikoia automates the most operationally intensive parts of affordability assessment while preserving nuance, allowing you to scale non-prime and near-prime lending efficiently.
Better data does more than improve outcomes. It provides the explainability and auditability regulators expect, giving you the confidence to lend into underserved segments responsibly and sustainably.
Access to motor finance has tightened not because appetite has disappeared, but because confidence has. Sikoia closes the evidence gap by combining richer data, explainable insights, and scalable decisioning. The result is fairer outcomes for customers, stronger regulatory positioning, and a genuine competitive edge in a changing market.
Want to dive deeper into our Solution? Our Product Sheet is your go-to resource for a comprehensive breakdown of what we offer. From the cutting-edge processes to the actionable insights generated.
Sikoia Ltd is authorized and regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) under the Payment Services Regulations 2017 (FRN: 942979) and as a credit reference provider (FRN: 942616). Sikoia Ltd is a credit broker and not a lender. Credit is subject to status.
