CapitalEdge Launches Real-Time SME Lending Platform Backed by Open Banking Data

CapitalEdge Financial Services today announced the launch of CapitalEdge Flow, an SME lending platform that uses open banking data and machine learning to deliver credit decisions in under four minutes — compared to the industry average of 10 business days.

The platform connects directly to a business’s accounting software (Xero, QuickBooks, Sage) and bank accounts via open banking APIs, enabling CapitalEdge to assess creditworthiness based on real cash flow rather than historical credit scores alone.

Loans from €10,000 to €2 million are available on terms of 3 to 36 months, with APR starting at 6.9%. The platform is currently authorised by the Financial Conduct Authority (FCA) in the UK and De Nederlandsche Bank (DNB) in the Netherlands.

“Small business owners have been underserved by traditional lenders for too long,” said CEO Ciaran Doyle. “Four-minute decisions based on real business data, not three-year-old credit files, is what the market needs.”

CapitalEdge Flow is available from today at capitaledge.io.

About CapitalEdge Financial Services CapitalEdge is a fintech lender and payments infrastructure provider headquartered in London, serving SMEs across the UK and Europe.

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