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Consumer lending

Collect on time with
current cash flow data

See current balances and deposit timing across the life of every loan, so each repayment runs on what's actually in the account.

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Borrower's balance refreshed and a repayment scheduled for the day after payday
98
%

data retrieval success rate

24
months

of transaction history to read deposit patterns

Millions

of users already linked across the Aeropay network

Borrower balance data refreshed with a timestamp and verified identity
Balance checks

Know the balance
before you debit

Refresh a borrower's balance on demand or read the last one we retrieved, with a timestamp that shows exactly how old it is.

Run most balance refreshes without the borrower having to log in.
Refresh balances on whatever schedule fits your repayment calendar.
Get a webhook when a refresh completes, fails, or needs the borrower to finish an MFA check.
Calendar showing a deposit followed by a repayment scheduled the next day
Repayment timing

Line up every repayment
with payday

The odds are best right after a paycheck lands, and deposit history shows you when that is.

See whether each borrower gets paid weekly, biweekly, or monthly.
Set first repayment dates for the day after payday.
Move the schedule when a borrower's pay cycle changes.
Borrower account closed since last payment, with a request to relink their bank
Persistent connections

Stay connected for
the life of the loan

Keep balance and deposit data current on every borrower account.

Track connection status and expiry dates across every borrower account.
Restore a broken connection without making the borrower link from scratch.
Handle bank security prompts with a built-in MFA widget.
Missed repayment retried and completed once the borrower's balance recovered
Payments

Use the same partner
to move money

Add instant payments and smart retries on the same bank connection you already use for data.

Settle repayments instantly wherever the borrower's bank supports it.
Retry missed repayments when the borrower's balance recovers.
Run data and payments through one integration.

Built for every way
people borrow

Buy now, pay later

Keep every installment on schedule

Bank data helps set smarter spending limits and reduce first payment defaults, and each installment can run through the same partner that supplies the data.

Loan servicers

Bring better numbers back to every lender

Every returned debit costs a fee and shows up in the performance you report. Current balances and deposit history help you schedule each debit for when the funds are there.

Private student lenders & refinancers

Stay with borrowers long after graduation

Student loans carry on through new jobs, new cities, and new banks. Connection tracking and quick reconnects keep repayment data current as borrowers' lives change.

Repeat icon

Neobanks & fintech lenders

Speed up repayments and recover the misses

Instant payments settle repayments in seconds where banks support them, and smart retries try again when a borrower's balance recovers.