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Aire

Full company profile

uuid0000nhd

Namestring
Aire
Websiteurl
aire.io
Company typeenum
Private
Founded yearint
2014
Descriptiontext

Aire is a London-based fintech company founded in 2014 that operates a credit assessment and automation platform designed to support underwriting decisions for lenders and financial institutions. The company's product focus on credit decisioning positions it in the B2B fintech infrastructure layer, where it appears to help institutional clients evaluate borrower creditworthiness and automate associated workflows. The platform's specific technical architecture, underlying models, and product surface area are not detailed in the available data, though its categorization as a credit assessment platform implies reliance on data-driven decisioning logic.

Short descriptiontext

Aire is a London-based fintech that provides a credit assessment and automation platform to support lender underwriting decisions, serving financial institutions with automated credit decisioning workflows.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
51–100
akta.pro rankint
HeadquartersLondon, United Kingdom
HQ citystring
London
HQ countrystring
United Kingdom
HQ regionstring
Europe
Markets served

Serves global market

Keyword5 values
credit assessment platform, underwriting automation, credit scoring software, alternative credit data, lender decisioning
Industry3 codes
1Consumer Credit Decisioning & Underwriting Platforms
CodeFSAKAKAGPrimaryYes
2Underwriting Automation & Income/Employment Verification
CodeFSAGAHADPrimaryNo
3Automated Underwriting Systems (AUS) & Decisioning Engines
CodeFSALALABPrimaryNo
NAICS code2 codes
  • Activities Related to Credit Intermediation5223
  • Credit Bureaus56145
SIC code1 code
  • Services-Consumer Credit Reporting, Collection Agencies7320
Product category
Credit Assessment Software
Social media profiles1 record
Cost components5 values
Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
GTM typeB2B
B2B
Offering typeSoftware
Software
Core offering1 text field

Aire provides a credit assessment and automation platform for underwriting decisions. The platform enables lenders and financial institutions to evaluate consumer creditworthiness through automation and alternative data, with particular capability for assessing borrowers who have thin or non-existent traditional credit files.

Differentiator
Functional benefit
Problem solved
Product and service1 record
1Credit Assessment and Automation Platform
CategoryCredit Assessment Software
Description

Software platform that enables lenders and financial institutions to automate credit assessment and underwriting decisions, with capability for evaluating consumers who have thin or limited credit history using alternative data.

Recent move5 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
1Upstart
TypeDirect peer
Description

AI-driven consumer lending underwriting platform that partners with banks and credit unions to automate credit decisions. Most direct competitor to Aire in applying ML to credit decisioning for lenders.

2Zest AI
TypeDirect peer
Description

AI-based credit underwriting software for banks and credit unions, focused on automating and improving consumer loan decisioning. Closest pure-play peer to Aire in lender-facing ML underwriting.

3Provenir
TypeDirect peer
Description

AI-powered risk analytics and decisioning platform serving consumer and SMB lenders with onboarding, credit, and fraud decisioning workflows. Directly comparable in product category and customer base.

4LenddoEFL
TypeEmerging player
Description

Alternative credit scoring and identity verification platform focused on emerging markets, combining non-traditional data with ML for thin-file borrowers. Overlaps with Aire on credit assessment for underbanked segments.

5Nova Credit
TypeEmerging player
Description

Cross-border credit bureau translating international consumer credit histories for lenders in the US, UK, Canada, and India. Comparable as a credit data and decisioning infrastructure layer for lenders.

6Creditspring
TypeRegional player
Description

London-based consumer credit builder using proprietary underwriting to offer small instalment loans to UK borrowers. Regional peer with overlap in UK consumer credit decisioning philosophy.

7Experian
TypeBroad incumbent
Description

Global credit bureau and analytics incumbent whose venture arm backed Aire; provides credit data, scores, fraud and decisioning software to lenders at scale. Comparable as the dominant incumbent in the same market.

8Equifax
TypeBroad incumbent
Description

Major global credit bureau offering credit reports, scores, analytics and decisioning tools to lenders. Comparable as a broad incumbent in credit information and decisioning services.

9Plaid
TypeEmerging player
Description

Financial data connectivity and account verification platform used by lenders to pull bank data for underwriting and decisioning. Adjacent infrastructure peer relevant to Aire's data-driven credit assessment.

10Affirm
TypeBroad incumbent
Description

BNPL and point-of-sale consumer credit platform operating proprietary underwriting at scale. Comparable in applying automated credit decisioning to consumer credit, though more vertically integrated than Aire.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights5 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles2 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds10 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors14 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Aire

Credit Assessment Softwareaire.io

Aire is a London-based fintech that provides a credit assessment and automation platform to support lender underwriting decisions, serving financial institutions with automated credit decisioning workflows.

What Aire does

Aire is a London-based fintech company founded in 2014 that operates a credit assessment and automation platform designed to support underwriting decisions for lenders and financial institutions. The company's product focus on credit decisioning positions it in the B2B fintech infrastructure layer, where it appears to help institutional clients evaluate borrower creditworthiness and automate associated workflows. The platform's specific technical architecture, underlying models, and product surface area are not detailed in the available data, though its categorization as a credit assessment platform implies reliance on data-driven decisioning logic.

Aire firmographics

Firmographics
Name
Aire
Website
https://aire.io
Company type
Private
Founded year
2014
Operating status
Operating
Headcount range
51–100 employees
Short description
Aire is a London-based fintech that provides a credit assessment and automation platform to support lender underwriting decisions, serving financial institutions with automated credit decisioning workflows.
Ownership category
akta.pro rank

Aire industry classification

Industry
Product category
Credit Assessment Software
NAICS
Activities Related to Credit Intermediation (5223), Credit Bureaus (56145)
SIC
Services-Consumer Credit Reporting, Collection Agencies (7320)
akta.pro primary industry
Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)
akta.pro secondary industries
Underwriting Automation & Income/Employment Verification (FSAGAHAD), Automated Underwriting Systems (AUS) & Decisioning Engines (FSALALAB)

Keywords

  • Credit assessment platform
  • Underwriting automation
  • Credit scoring software
  • Alternative credit data
  • Lender decisioning

Where Aire is headquartered

Location

Headquarters

HQ city
London
HQ country
United Kingdom
HQ region
Europe

Markets served

Aire business model

Business model
GTM type
B2B
Offering type
Software
Cost components
Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Aire product offering

Product offering

Core offering

Aire provides a credit assessment and automation platform for underwriting decisions. The platform enables lenders and financial institutions to evaluate consumer creditworthiness through automation and alternative data, with particular capability for assessing borrowers who have thin or non-existent traditional credit files.

Differentiator

Problem solved

Functional benefit

Products and services

  • Credit Assessment and Automation Platform Software platform that enables lenders and financial institutions to automate credit assessment and underwriting decisions, with capability for evaluating consumers who have thin or limited credit history using alternative data.

Companies that use Aire

Customer profile

Ideal customer profiles1 record

Aire technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Aire partnerships and signals

Strategic signal

Recent moves5 records

Expansion highlights4 records

Aire competitors and assessment

Company assessment

Direct peers

  • Upstart: AI-driven consumer lending underwriting platform that partners with banks and credit unions to automate credit decisions. Most direct competitor to Aire in applying ML to credit decisioning for lenders.
  • Zest AI: AI-based credit underwriting software for banks and credit unions, focused on automating and improving consumer loan decisioning. Closest pure-play peer to Aire in lender-facing ML underwriting.
  • Provenir: AI-powered risk analytics and decisioning platform serving consumer and SMB lenders with onboarding, credit, and fraud decisioning workflows. Directly comparable in product category and customer base.

Emerging players

  • LenddoEFL: Alternative credit scoring and identity verification platform focused on emerging markets, combining non-traditional data with ML for thin-file borrowers. Overlaps with Aire on credit assessment for underbanked segments.
  • Nova Credit: Cross-border credit bureau translating international consumer credit histories for lenders in the US, UK, Canada, and India. Comparable as a credit data and decisioning infrastructure layer for lenders.
  • Plaid: Financial data connectivity and account verification platform used by lenders to pull bank data for underwriting and decisioning. Adjacent infrastructure peer relevant to Aire's data-driven credit assessment.

Regional players

  • Creditspring: London-based consumer credit builder using proprietary underwriting to offer small instalment loans to UK borrowers. Regional peer with overlap in UK consumer credit decisioning philosophy.

Broad incumbents

  • Experian: Global credit bureau and analytics incumbent whose venture arm backed Aire; provides credit data, scores, fraud and decisioning software to lenders at scale. Comparable as the dominant incumbent in the same market.
  • Equifax: Major global credit bureau offering credit reports, scores, analytics and decisioning tools to lenders. Comparable as a broad incumbent in credit information and decisioning services.
  • Affirm: BNPL and point-of-sale consumer credit platform operating proprietary underwriting at scale. Comparable in applying automated credit decisioning to consumer credit, though more vertically integrated than Aire.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Aire social profiles

Digital presence

Aire financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Aire leadership team

Management profile

Number of profiles

Profiles2 records

Aire funding detail

Funding detail

Funding overview

Funding rounds10 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Aire M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aire

What does Aire do?

Aire provides a credit assessment and automation platform for underwriting decisions. The platform enables lenders and financial institutions to evaluate consumer creditworthiness through automation and alternative data, with particular capability for assessing borrowers who have thin or non-existent traditional credit files.

When was Aire founded?

Aire was founded in 2014. It employs 51 to 100 people.

Where is Aire based?

Aire is headquartered in London, United Kingdom, in the Europe region.

Who are Aire's main competitors?

Direct peers on record are Upstart, Zest AI and Provenir. Emerging players are LenddoEFL, Nova Credit and Plaid. Creditspring is listed as a regional player. Broad incumbents are Experian, Equifax and Affirm.

Does Aire have an API?

No public API is recorded for Aire.

What industry is Aire in?

Aire's product category is Credit Assessment Software. Its primary akta.pro industry code is FSAKAKAG, Consumer Credit Decisioning & Underwriting Platforms, with a secondary code of FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 5223 and its SIC code is 7320.

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StartupmafiaSwedish ClimateTech Startup Aire Raises €1.4M to Expand AI-Powered Energy Optimization Across EuropeSwedish ClimateTech startup Aire raised SEK 15 million (€1.4 million) led by Spectria Invest, with Starbright Invest joining. The funding will support AI-powered energy optimization platform development and international expansion. The company quadrupled net revenue and entered Finland in the past year.BeaireDiscover a Luxury Spa ExperienceAIRE Spa is positioning itself as a premier luxury spa destination, offering personalized treatments, exclusive facilities, and holistic wellness programs designed to cater to high-end clientele. Its focus on high-quality amenities, expert staff, and exclusive offers aims to enhance its reputation as an opulent retreat.AireappsHow much does it cost to build an AI-powered app without coding?The article provides a cost breakdown for building AI-powered applications using no-code platforms such as Bubble, Glide, Adalo, and Aire. It details various expense factors including platform subscription fees, third-party API integrations, hosting, and design customizations, noting that costs can range from free to over $500 per month depending on complexity.AireappsCan AI App Builders Create Complex Applications?The article analyzes the capabilities and limitations of no-code AI app builders for developing complex, enterprise-grade applications, highlighting challenges in customization, scalability, and data security. It positions Aire as an open-source alternative that allows for greater control and hybrid development to overcome the constraints of proprietary platforms.PR NewswireGlobal Digital Lending Market Report 2021-2026 Featuring Prominent Start-ups - Aire, Kabbage, and KasistoThe global Digital Lending Market was valued at USD 311.06 billion in 2020 and is projected to reach USD 587.27 billion by 2026, growing at a CAGR of approximately 11.9% during the forecast period. Key drivers of this growth include the rapid adoption of digitization in the B2SI industry, increasing consumer preference for digital lending solutions, and the proliferation of AI, machine learning, and cloud computing technologies that enable faster credit assessment and improved customer relations.PR NewswireThe Digital Lending Market is expected to register a CAGR of approximately 11.9% during the forecast period (2020 - 2025)The Digital Lending Market is expected to grow at a CAGR of approximately 11.9% from 2020 to 2025, driven by the rapid adoption of digital solutions in the banking and financial services industry. Key players like Aire, Kabbage, and IndiaLends are innovating to meet changing consumer behaviors and demands during and after the Covid-19 pandemic, with initiatives to provide quick financial solutions.Pulse 2.0London-Based Alternative Credit Assessment Company Aire Raises $11 MillionAire, a London-based alternative credit assessment company, raised $11 million in a new funding round led by Crane Venture Partners. The round brings total funding to $23 million, and Aire will use the funds to develop its credit insight engine and expand in the U.S. Aire has processed over $10 billion in credit.FinSMEsAire Raises $11M in Series B FundingAire, a London-based credit scoring company, raised $11M in Series B funding from Crane Venture Partners, Experian Ventures, and others. The funds will support U.S. expansion and technology investment. The company partners with lenders like Toyota Financial Services and Zopa.FinSMEsAire Raises $5M in Series A FundingAire, a London-based AI credit scoring startup, raised $5M in Series A funding led by Sunstone Capital with participation from White Star Capital. The company will use the funds to develop its platform, which provides algorithmic credit scoring for lenders and has secured deals with Zopa and Toyota Financial Services.FinSMEsCredit Score Startup Aire Raises $2M in FundingAire, a London-based credit score startup, raised $2M in funding led by White Star Capital with participation from Sunstone Capital and Accion Venture Lab. The FCA-regulated platform generates credit scores for young adults and self-employed people, and will work with lending partners in personal loans and credit cards, with plans to expand to broader financial products.