Enable Technologies

What Enable Technologies does

Enable Technologies Inc. is a private SaaS fintech founded in April 2023 and headquartered in San Ramon, California. The company provides an AI-driven, API-first platform that unifies consumer and business deposit account opening with loan origination for US community banks and credit unions. The platform delivers omnichannel experiences across digital, branch, call center, and embedded channels, with modules covering consumer banking (deposits, personal loans/lines, HELOCs, auto loans, credit cards), small business banking (checking/savings, business cards, secured and unsecured business loans/lines, specialty industry loans), and straight-through digital credit card issuance.

The technology stack is built around an open, extensible architecture with 20+ pre-built connectors spanning core banking systems (Jack Henry, FIS IBS, Fiserv DNA), credit bureaus (Equifax, Experian, TransUnion), identity verification (Effectiv, Alloy), financial data (Plaid), and e-signature (DocuSign). AI is embedded directly into onboarding workflows for real-time applicant guidance, automated KYC/KYB, configurable credit decisioning, real-time documentation, and booking into core systems. The platform holds SOC 2 Type 2 and PCI DSS certifications. Co-founders Ashwin Goyal (CEO), Karthik Vaidyanathan (President), and Sunil Krishnan (CTO) bring prior experience from Oracle (core banking) and Terafina (acquired by NCR in 2021).

The company monetizes via enterprise SaaS subscriptions on a quote-based, demo-driven sales motion with no public pricing. GTM combines direct field sales and inside sales targeting community banks and credit unions, with named early adopters including Meriwest Credit Union (Meriwest Business Express partnership, May 2025) and Nuvision Credit Union. Headcount is 1-10, no venture funding rounds are disclosed, and the company reports rapid adoption among credit unions and community banks seeking modern digital origination capabilities.

Name

Enable Technologies

Legal name

Enable Technologies Inc.

Website

https://enable-technologies.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Enable Technologies is a private SaaS fintech that provides an AI-driven, API-first platform unifying consumer and business account opening with loan origination for US community banks and credit unions, featuring omnichannel experiences and 20+ core banking integrations.

Ownership category

akta.pro rank

Product category

Loan Origination Software

NAICS

Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA)

akta.pro secondary industries

Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Loan origination software
• Account opening platform
• Digital lending solutions
• Banking automation software
• Unified onboarding platform

Headquarters

HQ city

San Ramon

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Platform Subscription: Enable operates as a SaaS fintech providing a loan origination platform and digital account opening system on a subscription basis to financial institutions. The company was founded in April 2023 and is VC-backed, suggesting a subscription/SaaS revenue model typical for enterprise fintech platforms serving banks and credit unions.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Enable Technologies provides an AI-driven, API-first platform that unifies deposit account opening and loan origination for financial institutions. It offers omnichannel (digital, branch, call center, embedded) consumer and business onboarding with real-time credit decisioning, KYC/KYB automation, and 20+ pre-built connectors to core banking systems and credit bureaus. Purpose-built for community banks and credit unions, the platform enables go-live in weeks rather than months without replacing existing core systems.

Product overview

Enable Technologies offers a unified AI-driven platform that combines account opening and loan origination into a single buying experience for consumers and businesses. The platform consists of four interconnected modules: (1) the core Unified Account Opening & Loan Origination Platform providing omnichannel capabilities and embedded AI; (2) Consumer Solutions covering personal deposits, loans, and credit cards; (3) Small Business Solutions for business deposits, loans, and lines of credit; and (4) Credit Card Solutions enabling instant-issue digital card issuance. All modules share a common API-first architecture with 20+ connectors and leverage AI for real-time guidance, automated decisioning, and fraud detection. The platform serves banks and credit unions, allowing them to go live in weeks rather than months.

Differentiator

Problem solved

Functional benefit

Products and services

• Unified Account Opening & Loan Origination Platform AI-driven core platform that unifies account opening and loan origination for consumers and businesses. Combines real-time guidance, end-to-end automation, and open APIs to power omnichannel experiences across digital, branch, call center, and embedded channels for banks and credit unions.
• Consumer Solutions Consumer-facing deposit and loan offerings including MMs/CDs/IRAs, credit cards, personal loans, unsecured lines, HELOCs, specialty lines (CVLI), and direct/indirect auto/vehicle loans, delivered through a unified digital onboarding experience.
• Small Business Solutions Small business deposit and loan offerings including checking/savings, MMs/CDs, business cards, unsecured business loans and lines, auto/equipment loans, secured business lines and loans, and specialty industry loans, delivered through a unified onboarding platform for full business relationships.
• Credit Card Solutions Straight-through digital credit card issuance enabling instant-issue cards across digital, branch, and call center channels. Supports consumer and business credit cards with omnichannel flexibility and configurable credit policies.

Quantifiable outcome

• Rapid adoption among credit unions and community banks
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• Meriwest Credit UnioncoreStrategic or Co-development Partner · 21 May 2025Partnership to launch Meriwest Business Express digital small business lending platform, enabling Meriwest to offer streamlined business credit services including lines of credit up to $50,000 for working capital, seasonal needs, and day-to-day operating expenses.
• Nuvision Credit UnioncoreStrategic or Co-development PartnerEarly adopter partnership for Enable's small business offering. Nuvision is collaborating with Enable to transform how they engage existing and prospective members through unified loans and deposits origination platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Terafina (NCR Atleos): Account opening platform originally built by Enable's founders before being acquired by NCR in 2021; now part of NCR Atleos. Direct predecessor and most comparable product line in account opening automation for FIs.
• nCino: Cloud-based bank operating system that includes a market-leading loan origination suite for commercial and consumer lending at banks and credit unions. Closest scaled competitor in LOS for the FI segment.
• MeridianLink: Loan origination, account opening, and digital lending platform purpose-built for banks, credit unions, and mortgage lenders. Direct overlap with Enable's unified deposits + lending platform.
• Blend: Consumer banking and lending platform offering digital account opening, mortgage, and consumer loan origination for banks and credit unions. Competes in the same omnichannel origination space.
• LoanPro: Modern, API-first lending platform providing loan origination, servicing, and collections for banks, lenders, and fintechs. Comparable technology stack and API-first positioning to Enable.

Broad incumbents

• Jack Henry (SilverLake and other LOS modules): Major core banking provider whose SilverLake and complementary LOS modules are already deployed across thousands of community banks and credit unions — a primary incumbent Enable must displace.
• FIS: Global financial technology and core banking provider with embedded loan origination and account opening capabilities (e.g., IBS suite) that compete directly with Enable's targeted integrations.
• Fiserv: Major core and digital banking provider (DNA platform) with established deposit and lending origination capabilities; a key incumbent integration partner and competitor to Enable in community FI segment.
• Q2 / Alkami: Digital banking platform serving community banks and credit unions, increasingly layering lending and onboarding capabilities that overlap with Enable's omnichannel proposition.
• Temenos: Global core banking software vendor with embedded digital onboarding and origination modules; relevant incumbent competing for the same digital-modernization budgets globally.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/99163345/admin/dashboard

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Enable Technologies