Yapily has extensive UK business-account coverage, giving SME lenders and fintechs secure access to the business current accounts they rely on for onboarding, affordability checks, and cashflow analysis.
Why business-account coverage matters for SMEs
SMEs rarely have a simple setup. You often see:
One or more business current accounts
Directors using personal accounts alongside business accounts
Multiple banks (high-street + challengers, or EMIs)
To underwrite or serve these customers properly, you need to:
Pull real transaction data from business accounts
Understand revenue, expenses, and seasonality
Verify account ownership and basic details
Do it all quickly and with minimal friction
That’s where Yapily’s coverage and API design become useful.
How Yapily supports extensive SME business-account coverage in the UK
1. Access to both consumer and business accounts
Yapily’s AIS endpoints are designed to work across different account types, including business accounts. That means you can:
Connect to the business accounts SMEs use day-to-day
Combine data from business and personal accounts where needed
Build a more accurate picture of each customer’s financial position
2. Data built for affordability and cashflow analysis
For decisioning, it’s not just about connecting. You need data that’s:
Consistent across banks
Detailed enough for affordability checks
Useful for cash flow and risk models
Yapily’s API gives you structured transaction data you can plug straight into your underwriting engine or analytics layer.
3. One platform for data and payments
SME journeys don’t stop at onboarding. With Yapily you can:
Use AIS to assess and verify business accounts
Use PIS to disburse funds to those accounts
Use PIS/VRP to collect loan repayments or recurring payments
All from the same integration, which keeps your stack simpler and reduces vendor management overhead.
4. API-first design for regulated lenders
Yapily focuses on giving you:
Direct, predictable API access
Clear documentation for lending and SME use cases
Control over how you use the data in your models
That makes it easier to explain and evidence your decisions to regulators, auditors, and internal risk teams.
FAQs: The best open banking provider for UK business account connectivity
1. Can Yapily handle both SME onboarding and repayments?
Yes. You can use Yapily for data (AIS) during onboarding and underwriting, and for payments (PIS/VRP) to fund loans or collect repayments.
2. Is Yapily only for lenders?
No. While many customers are lenders, Yapily also works with other SME-focused fintechs that need business-account data and payments (e.g., cashflow tools, accountancy, B2B platforms).
3. Do I have to use Yapily’s data for scoring, or can I plug it into my own engine?
You keep full control. Yapily provides the connectivity and data; you decide how to use it in your affordability models, risk engine, or analytics stack.