Inbest.ai
Inbest.ai operates a UK benefits calculation and income-maximisation platform, delivered via API, SDK, and embedded calculators to banks, fintechs, local authorities, and debt advisers. Its regulatory engine computes entitlements across UK national and devolved benefits, social tariffs, and grants to help financially vulnerable households access unclaimed support.
- Company typePrivate
- Founded2016
- HeadquartersEdinburgh, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Inbest.ai does
Inbest.ai (legal entity: Investment Solver LTD) is a UK-based B2B fintech that operates a benefits calculation and income-maximisation platform targeting financial vulnerability. The company's core technology is a regulatory engine that ingests household circumstances and computes entitlements across hundreds of UK national, devolved (Scottish), and local-authority benefit, grant, and social-tariff schemes — claimed to be the widest coverage in the UK market. The platform is delivered through four product surfaces: a standalone Benefits Calculator, a Benefits API and SDK for software integration, a free Case Management System for welfare and debt advisers, modular Support Journeys (Loan Declined Journey, Debt First Aid Journey) for FCA Consumer Duty compliance, and tiered Data Analytics for Local Authorities. Distribution is API-first, with 30+ integrations spanning loan management, debt advice, workplace wellness, CRM, and local-authority platforms.
The business model combines recurring subscription licensing (API access, analytics tiers at £3,000–£6,000/year per local authority), professional services (consultancy bundled with take-up campaigns), and quote-based enterprise contracts. Go-to-market is hybrid: direct enterprise sales to financial institutions and local authorities, paired with a channel ecosystem anchored by Fair4All Finance and the MoneyHelper (MaPS) portal. Marquee customers include NatWest, Lloyds Banking Group, Wagestream, Salad Money, Barnet Council, MoneyHelper, and Scotcash, with reported outcomes including £36M in identified unclaimed benefits for 180,000 Salad Money applicants and a sevenfold increase in benefits checking during Wagestream's 'Get Winter Ready' campaign. The company operates from Edinburgh with a secondary office in Vilnius, Lithuania, and has historical international proof-of-concept engagements in Spain (Bankia, Almis).
Inbest.ai firmographics
Firmographics- Name
- Inbest.ai
- Legal name
- Investment Solver LTD
- Website
- https://inbest.ai
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Inbest.ai operates a UK benefits calculation and income-maximisation platform, delivered via API, SDK, and embedded calculators to banks, fintechs, local authorities, and debt advisers. Its regulatory engine computes entitlements across UK national and devolved benefits, social tariffs, and grants to help financially vulnerable households access unclaimed support.
- Ownership category
- akta.pro rank
Inbest.ai industry classification
Industry- Product category
- Financial Wellbeing Software
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI)
- akta.pro secondary industry
- Eligibility & Benefits Verification (HLACACAD)
Keywords
Where Inbest.ai is headquartered
LocationHeadquarters
- HQ city
- Edinburgh
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Inbest.ai business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Benefits API Licensing: B2B API licensing to software companies, financial institutions, and government agencies for embedding benefits calculator functionality. Delivered as standalone applications, iframes, API-driven schemas, and SDKs.
- Analytics Tool Subscriptions: Tiered subscription pricing for Data Analytics tool for Local Authorities with plans at £0 (Free), £3,000/year (Take-up Campaigns), and £6,000/year (CTR Modelling).
- CRM Integration Services: Off-the-shelf integration and plug-ins for popular CRMs (Salesforce, Dynamics 365), website builders (WordPress), and analytics tools (Google Sheets).
- Consultancy Services: Consultancy services bundled with Take-up Campaigns tier for local authorities to support benefits take-up campaigns.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Free tier with basic resident insights, one data upload per year, and unlimited seats |
| Subscription | Annual | Take-up Campaigns at £3,000/year including consultancy services |
| Subscription | Annual | Council Tax Reduction Modelling at £6,000/year with unlimited simulations |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Inbest.ai product offering
Product offeringCore offering
Inbest.ai operates a B2B API-first benefits calculation platform that helps financial institutions, fintechs, local authorities, and software companies identify unclaimed benefits, social tariffs, and grants for UK households. Its proprietary Benefits Calculation Engine processes means-tested, contribution, non-contribution, and passported benefits across UK national and Scottish devolved systems. The platform is delivered via API, SDK, iframe, and standalone applications and is supplemented by a Case Management System for advisers, Support Journeys for FCA Consumer Duty compliance, and analytics tools for local authority take-up campaigns.
Product overview
Inbest.ai is a B2B benefits calculation platform that offers a modular product suite focused on income maximisation for financially vulnerable UK households. The core platform consists of the Benefits Calculator (standalone, iframe, API-driven) and Benefits API, which power a comprehensive benefits calculation engine covering means-tested, contribution, non-contribution, passported benefits, social tariffs, retrofitting grants, and local support schemes. The platform is supplemented by the Case Management System for advisers, Support Journeys modules (Loan Declined Journey, Debt First Aid Journey) for FCA Consumer Duty compliance, and Analytics tools for local authorities. The ecosystem integrates with 30+ partner platforms across CRM, debt management, financial wellness, workplace, and local authority software categories.
Differentiator
Problem solved
Functional benefit
Products and services
- Benefits Calculator Primary benefits eligibility calculator available as a standalone application, iframe, API-driven schema, and SDKs. Helps people find the benefits, social tariffs, retrofitting grants, and local support schemes they are entitled to, with the widest benefits coverage in the UK market covering UK national and Scottish devolved systems.
- Benefits API Developer-friendly API providing the comprehensive Benefits Calculation Engine for software companies to integrate income maximisation features into their platforms. Enables automated benefits checks based on customer/resident data and supports personalised proactive nudges. Available as REST API, iframe, and SDKs.
- Case Management System Free case management system for welfare and debt advisers with integrated benefits calculator and budgeting tools. Supports customer case recording, benefit entitlement calculations, what-if and better-off analysis, spending tracking, and benefits application support. Self-serve access at crm.inbest.ai.
- Loan Declined Journey Support portal for rejected loan applicants providing personalised alternatives and financial well-being support, including short, medium, and long-term action pathways. Built in partnership with Moneyline and awarded 'Eureka' prize at the FCA Financial Inclusion Tech Sprint.
- Debt First Aid Journey One-stop support portal for people struggling with bills and credit commitments, presenting personalised debt solutions including Breathing Space, Debt Relief Orders, emergency support, and income maximisation options. Includes an embedded CRM for tracking and FCA Consumer Duty compliance documentation.
- Analytics for Local Authorities Data analytics tool for local authority Revenues & Benefits teams providing resident insights, benefits analysis, targeted benefits take-up campaigns, Council Tax Reduction modelling, and engagement monitoring. Available in Free, Take-up Campaigns (£3,000/year with consultancy), and Council Tax Reduction Modelling (£6,000/year with unlimited simulations) tiers.
Companies that use Inbest.ai
Customer profileNamed customers16 records
Segments5 records
Ideal customer profiles4 records
Inbest.ai technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration33 records
AI capability3 records
Feature8 records
Inbest.ai partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core and supporting.
- University of EdinburghcoreResearch collaboration to measure, track and improve financial wellbeing of UK consumers. Partnership with academics in behavioural finance, financial mathematics and machine learning.
- Afterbanks (Spain)supportingResearch partnership with University of Edinburgh and Afterbanks to develop new methods for affordability assessment using Open Banking data.
- Money Helper (Money and Pensions Service)coreInbest provides benefits calculator for MoneyHelper website to help millions of households check their benefit eligibility. This is a flagship partnership with the UK's official money guidance body.
- NatWestcorePilot collaboration to provide Inbest's benefits calculator to NatWest customers, offering personalised insights to help customers maximise income during cost of living pressures.
- WagestreamcoreEmbedded benefits calculator in Wagestream's workplace financial wellness app. Partnership drove 7x increase in members checking benefits entitlement during 'Get Winter Ready' campaign.
- Salad MoneycoreIn-application benefit checking identified £36 million worth of additional benefits for over 180,000 applicants. Partnership contributed to Salad Money's Fintech for Good award.
- Barnet CouncilcoreFirst local authority to launch Inbest's free benefits calculator. Award-winning 'Money Worries?' campaign reached 20,000+ residents and reduced council tax arrears.
- PaylinkcoreIntegration into Paylink's debt advice solutions to simplify benefit applications and provide up-to-date information for clients and their customers.
- IEHubsupportingIncome maximisation tool integration helping debt advice clients identify additional benefits.
- CU AppscoreIntegrated benefits calculator into credit union mobile banking apps and chatbots. Partnership supported by Fair4All Finance to add income maximisation features to community finance sector.
- SoarsupportingIntegration to help loan applicants access their benefits through Soar's platform.
- Advice Direct ScotlandcoreOnly tool which calculates devolved Scottish benefits. Partnership to improve financial wellbeing of people in Scotland.
- Lightning ReachsupportingIntegration enabling multiple customer journey options for embedded and seamless experience on Lightning Reach financial support portal.
- MoneylinecoreJoint development of Loan Declined Journey (Money Toolkit) awarded 'Eureka' prize at FCA Financial Inclusion Tech Sprint. In 6 weeks, pilot reached 1,000 weekly active customers and provided £15,000 in emergency support.
- IncutosupportingIntegration providing comprehensive benefit entitlement overview based on user circumstances within Incuto's platform.
- Fair4All FinancecoreFair4All Finance actively supports integration of Inbest's benefits calculator into community finance sector, including partnerships with CU Apps and Lightning Reach.
- Lloyds Banking GroupcoreIntegration of Inbest Benefits Calculator into Lloyds Banking Group's digital banking platforms.
- ScotcashcoreAutomated benefits check in loan application process. Identified that 70% of loan applicants were missing average £465/month in benefits.
- Almis Informatica Financiera (Spain)supportingInbest platform powers FIT Advice solution - goal-based financial advisory platform for Almis customers in Spain, France and North Africa.
- HomePointrsupportingJoint development of application to support vulnerable customers find affordable housing while checking for unclaimed benefits.
- E.ON NextsupportingEnergy company integrating benefits calculator to help vulnerable customers access support and social tariffs.
- Octopus EnergysupportingEnergy company integrating benefits calculator to identify customers eligible for support schemes.
- AscendantsupportingGeospatial data partnership providing financial resilience mapping to identify target postcodes for benefits take-up campaigns.
- CAN Digital SolutionssupportingDigital advertising partner executing social media campaigns (Facebook, Instagram, Twitter) for benefits take-up campaigns.
Scale indicators16 records
Recent moves6 records
Expansion highlights6 records
Inbest.ai competitors and assessment
Company assessmentRegional players
- PolicyBazaar / Paisabazaar (financial product marketplace): India-based financial product comparison and marketplace platform offering benefits/income-related personalisation. Useful international comparator for B2C2X benefits-led marketplace business models, though operating in a very different regulatory environment.
Emerging players
- Turn2us (charity): UK charity operating a widely used benefits calculator and grant search tool. Comparable on the end-user benefits calculation experience; less directly competitive on enterprise/B2B API distribution but benchmarks consumer-side expectations.
- Moneyhub Financial Technology: UK Open Banking and personal financial management platform integrated with Inbest for benefits data. Adjacent competitor that could bundle benefits calculation into a broader financial wellbeing proposition for banks and employers.
- Lightning Reach: UK financial support portal that integrates Inbest's benefits calculator but is also expanding its own income-maximisation and grant-finding features. Useful partial-overlap comparator showing how an integrated partner could evolve into a broader competitor.
- Wealth Wizards: UK financial planning and robo-advice platform that integrates Inbest for benefits data. Provides a reference point for how digital advice platforms layer benefits/entitlements into broader financial planning journeys.
- Money Wellness (My Community Finance): UK debt advice and money guidance provider that integrates Inbest for benefits checking. Adjacent debt-advice competitor with overlapping adviser-customer segments and similar FCA Consumer Duty use cases.
Direct peers
- Entitledto (EntitledTo Ltd): UK benefits calculator provider serving individuals, advisers, and local authorities. Direct overlap with Inbest's Benefits Calculator on means-tested entitlement calculations and adviser tooling, with similar local-authority analytics offerings.
- Policy in Practice: UK software provider focused on benefits take-up analytics, Council Tax Reduction modelling and welfare reform impact analysis for local authorities and housing associations. Most direct competitor to Inbest's Analytics for Local Authorities module, serving the same Revenues & Benefits teams.
- IncomeMax: UK income maximisation service helping individuals and partner organisations identify unclaimed benefits and grants. Direct competitor in the same B2B2C benefits-take-up space, with comparable outcomes-based pricing.
- BetterOff (BetterOff Solutions): UK benefits and entitlements calculator service targeting advisers and end users, including local authority take-up campaigns. Closely comparable to Inbest's Benefits Calculator and adviser-focused Case Management System.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Inbest.ai social profiles
Digital presenceInbest.ai compliance and trust
Trust signalCompliance2 records
Inbest.ai financial estimates
Financial estimateRevenue estimate
Valuation estimate
Inbest.ai leadership team
Management profileNumber of profiles
Profiles2 records
Inbest.ai funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Inbest.ai 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 Inbest.ai
What does Inbest.ai do?
Inbest.ai operates a B2B API-first benefits calculation platform that helps financial institutions, fintechs, local authorities, and software companies identify unclaimed benefits, social tariffs, and grants for UK households. Its proprietary Benefits Calculation Engine processes means-tested, contribution, non-contribution, and passported benefits across UK national and Scottish devolved systems. The platform is delivered via API, SDK, iframe, and standalone applications and is supplemented by a Case Management System for advisers, Support Journeys for FCA Consumer Duty compliance, and analytics tools for local authority take-up campaigns.
Is Inbest.ai a public or private company?
Inbest.ai is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Inbest.ai founded?
Inbest.ai was founded in 2016. It employs 1 to 10 people.
Where is Inbest.ai based?
Inbest.ai is headquartered in Edinburgh, United Kingdom, in the Europe region.
How does Inbest.ai make money?
Four revenue lines are on record. Benefits API Licensing is the primary driver. The others are analytics Tool Subscriptions, CRM Integration Services and consultancy Services.
Who are Inbest.ai's main competitors?
PolicyBazaar / Paisabazaar (financial product marketplace) is listed as a regional player. Emerging players are Turn2us (charity), Moneyhub Financial Technology, Lightning Reach, Wealth Wizards and Money Wellness (My Community Finance). Direct peers are Entitledto (EntitledTo Ltd), Policy in Practice, IncomeMax and BetterOff (BetterOff Solutions).
Does Inbest.ai have an API?
Yes. Inbest's Benefits API offers a benefits calculation engine that simplifies complex Central Government, Devolved Nations, and Local Authority benefit regulations into an easy-to-use API. The developer-friendly API provides comprehensive benefits coverage including means-tested benefits, contribution benefits, non-contribution benefits, passported benefits, social tariffs, retrofitting grants, and local support schemes. It enables automated benefits checks based on customer/resident data and supports personalised proactive nudges to encourage customers to take action. Available as standalone application, iframe, API-driven schema, and SDKs.
What industry is Inbest.ai in?
Inbest.ai's product category is Financial Wellbeing Software. Its primary akta.pro industry code is FSAGALAI, Embedded Payroll, Earned Wage Access & Benefits Finance, with a secondary code of HLACACAD, Eligibility & Benefits Verification. Its NAICS code is 524292 and its SIC code is 7370.