Homeppl
- Company typePrivate
- Founded2017
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Homeppl does
Homeppl is a London-based customer risk assessment and fraud prevention platform, founded in 2017 and operating as a brand under Thirdfort Limited following acquisition. It serves enterprises in the rental, lending, banking, fintech, and HR sectors, with primary customers including letting agents, landlords, built-to-rent operators, and specialist lenders such as Knight Frank, CBRE, Greystar, Quintain Living, Portman Asset Finance, Apex Bridging, Cubefunder, and Halo Corporate Finance. The company addresses rising application fraud, inadequate affordability assessment by traditional credit bureaus, and financial exclusion of credit-invisible consumers (students, internationals, self-employed, thin-file applicants).
Homeppl firmographics
Firmographics- Name
- Homeppl
- Legal name
- Homeppl Ltd
- Website
- https://homeppl.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Homeppl industry classification
Industry- Product category
- Fraud Detection and Risk Assessment Software
- NAICS
- Credit Bureaus (56145), Investigation and Personal Background Check Services (561611), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Income, Employment & Asset Verification (VOI/VOE/VOA) (FSALALAF)
- akta.pro secondary industries
- Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK), Identity & Authentication for Open Banking (SCA support, token exchange) (FSAGACAF), Identity, Address & Reference Verification (BPAKAEAJ)
Keywords
Where Homeppl is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Homeppl business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Fraud Detection and Risk Assessment Services: Homeppl provides fraud detection and affordability assessment services to businesses (letting agents, landlords, lenders). They charge for their risk assessment technology which includes document analysis, open banking verification, and fraud detection. The platform enables businesses to approve more customers while reducing fraud losses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise pricing with custom quotes |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Homeppl product offering
Product offeringCore offering
Homeppl is a B2B customer risk assessment and fraud prevention platform that enables letting agents, landlords, lenders, banks, and fintechs to detect application fraud, verify consumer financial profiles via open banking, and approve more quality applicants. The platform combines proprietary document forensic analysis (examining fonts, metadata, and version history of bank statements, payslips, and identity documents) with open banking transaction verification and behavioral cross-referencing to produce affordability and risk reports. Homeppl runs 150+ validation checks per applicant and offers a Guarantees product where the company assumes risk on approved consumers.
Product overview
Homeppl is a customer risk assessment and fraud prevention platform serving the rental, lending, fintech, and real estate sectors. The core platform combines Fraud Finder (document analysis and fraud detection), Full Check (comprehensive risk assessment), AML & KYC compliance tools, Transactions Data Analysis, and Data Enrichment capabilities. The product portfolio also includes Guarantees as a financial product. Homeppl was acquired by Thirdfort, integrating the two platforms under unified branding. The company leverages open banking algorithms, behavioral analysis, and advanced document analysis technology to help businesses approve more quality customers while detecting and preventing fraud.
Differentiator
Problem solved
Functional benefit
Brands
- Fraud Finder: Advanced document fraud detection and analysis tool for identifying fake bank statements, payslips, and other financial documents.
Products and services
- Fraud Finder Advanced document fraud detection and analysis tool that identifies fraudulent applications by examining fonts, metadata, edit history, and image authenticity across bank statements, payslips, passports, and other financial documents. Runs 150+ validation and data enrichment checks per applicant. Targeted at fraud prevention teams, risk managers, and operations leaders at letting agents, landlords, lenders, and financial institutions.
- Full Check Comprehensive consumer risk assessment product combining 150+ fraud, data enrichment, and compliance tests including financial, residential, identity, employer, and criminal persona checks. Builds a complete risk and affordability profile for each applicant. Designed for businesses that need an end-to-end applicant screening solution rather than point fraud detection.
- AML & KYC Checks Anti-Money Laundering and Know Your Customer compliance solution including politically exposed persons (PEP), criminal sanctions, and adverse media watchlist screening, digital identity verification, and right-to-rent verification. Targeted at banks, lenders, letting agents, and other regulated firms needing to meet KYC and AML regulatory obligations.
- Data Enrichment Collects and cross-references financial, residential, behavioral, and digital data to build comprehensive risk profiles and assess consumer affordability beyond traditional credit checks. Enhances the accuracy of risk and affordability decisions by overlaying Homeppl's data on top of existing applicant information.
- Transactions Data Analysis Extracts and analyzes bank statement transactions to verify income sources, uncover spending behavior, and assess affordability. Converts bank statements (including 300-page documents) into standardized JSON format, enabling open banking-style benefits from any document without requiring a direct bank connection.
- Guarantees Flexible guarantee product that allows clients to accept customers with undue risk while protecting liabilities and assets. Functions as a premium financial product without the common friction associated with insurance policies, with Homeppl assuming the risk of approved consumers.
Quantifiable outcome
- 17.5% increase in tenant approvals for Knight Frank
- +6 more outcomes
Companies that use Homeppl
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles3 records
Homeppl technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability7 records
Feature7 records
Homeppl partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- KonfircoreHomeppl partnered with Konfir to strengthen tenant referencing with instant employment and income verification. This integration enhances Homeppl's ability to verify applicant employment and income data.
- Thirdfort LimitedcoreThirdfort Limited owns the Homeppl brand. Homeppl's rental platform was acquired by Thirdfort, making Homeppl now part of the Thirdfort business. Thirdfort is the parent company.
- Flatfair LimitedminorHomeppl Partner through which some Homeppl Clients access Homeppl Services. Flatfair provides rental deposit alternative services.
- Yardi Systems LimitedminorHomeppl Partner through which some Homeppl Clients access Homeppl Services. Yardi provides property management software.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Homeppl competitors and assessment
Company assessmentDirect peers
- Canopy: UK proptech offering tenant referencing, open-banking affordability checks, and fraud detection for letting agents and build-to-rent operators. Direct competitor in the same customer verticals and product category.
- HomeLet: Long-standing UK tenant referencing and insurance provider serving letting agents and landlords. Overlaps with Homeppl on tenant referencing and affordability assessment, though with a more traditional, manual-heavy model.
- Goodlord: UK proptech platform for letting agents covering referencing, contract creation, and rent collection. Comparable because it bundles tenant referencing into an end-to-end rental workflow, competing for the same letting-agent budgets.
- Credit Kudos: UK open-banking-based credit reference and affordability assessment API for lenders and fintechs. Direct peer on the open-banking affordability and thin-file scoring overlap, now part of TransUnion.
Emerging players
- Aire: Alternative credit scoring platform using open banking and behavioural data to assess thin-file and new-to-credit consumers. Competes with Homeppl on affordability assessment for credit-invisible applicants.
- TrueLayer: UK open-banking infrastructure provider whose data feeds Homeppl-style affordability products. Comparable as an upstream enabler and increasingly as a competing affordability insights provider to lenders.
Broad incumbents
- Onfido: Global identity verification and KYC/AML vendor used by banks, fintechs, and property platforms. Overlaps with Homeppl's AML/KYC and identity-verification modules while operating at much greater scale.
- Experian: Global consumer and business credit bureau with deep distribution into UK lenders, insurers, and increasingly landlords. Broader incumbent that competes with Homeppl on affordability, fraud-screening, and credit-reporting layers.
Regional players
- Flatfair: UK deposit-alternative platform for letting agents and renters, integrated with Homeppl via partnership. Adjacent competitor and channel partner in the same tenant-onboarding workflow.
Others
- Thirdfort: Parent company of Homeppl and UK conveyancing/AML platform. Acquired Homeppl to combine KYC/AML and fraud prevention with conveyancing workflows, making it both a strategic acquirer and a cross-sell partner.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Homeppl social profiles
Digital presenceHomeppl compliance and trust
Trust signalCompliance2 records
Homeppl financial estimates
Financial estimateRevenue estimate
Valuation estimate
Homeppl leadership team
Management profileNumber of profiles
Profiles1 record
Homeppl funding detail
Funding detailFunding overview
Funding rounds7 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Homeppl M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Homeppl
What does Homeppl do?
Homeppl is a B2B customer risk assessment and fraud prevention platform that enables letting agents, landlords, lenders, banks, and fintechs to detect application fraud, verify consumer financial profiles via open banking, and approve more quality applicants. The platform combines proprietary document forensic analysis (examining fonts, metadata, and version history of bank statements, payslips, and identity documents) with open banking transaction verification and behavioral cross-referencing to produce affordability and risk reports. Homeppl runs 150+ validation checks per applicant and offers a Guarantees product where the company assumes risk on approved consumers.
Is Homeppl a public or private company?
Homeppl is a private company. It is classified as corporate owned and is currently operating.
When was Homeppl founded?
Homeppl was founded in 2017. It employs 11 to 50 people.
Where is Homeppl based?
Homeppl is headquartered in London, United Kingdom, in the Europe region.
How does Homeppl make money?
One revenue line is on record: fraud Detection and Risk Assessment Services.
Who are Homeppl's main competitors?
Direct peers on record are Canopy, HomeLet, Goodlord and Credit Kudos. Emerging players are Aire and TrueLayer. Broad incumbents are Onfido and Experian. Flatfair is listed as a regional player. Thirdfort is listed as an others.
Does Homeppl have an API?
Yes. Homeppl offers a RESTful API for integration, enabling clients to access fraud detection, risk assessment, affordability analysis, and document verification capabilities programmatically. The API allows integration into existing workflows for automated consumer risk evaluation.
What industry is Homeppl in?
Homeppl's product category is Fraud Detection and Risk Assessment Software. Its primary akta.pro industry code is FSALALAF, Income, Employment & Asset Verification (VOI/VOE/VOA), with a secondary code of FSAMAMAK, Beneficial Ownership (UBO) & Corporate Registry Verification (KYB). Its NAICS code is 56145 and its SIC code is 7320.