CREDITEC LIMITED
Creditec is a UK-based embedded finance platform that provides B2B partners with white-label credit card, personal loan, and current account comparison services via a single API. It serves comparison sites, fintechs, credit unions, and affinity organisations through FCA-authorised credit brokerage infrastructure.
- Company typePrivate
- Founded2021
- HeadquartersChester, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What CREDITEC LIMITED does
Creditec Limited is a UK-based embedded finance platform founded in 2021 and headquartered in Chester. The company provides B2B partners with white-label credit and loan comparison infrastructure via API, enabling comparison sites, fintechs, affinity organisations, brokers, and credit unions to launch or enhance credit card, personal loan, and current account marketplaces without building underlying aggregation, decisioning, or panel-management capabilities themselves. Its product suite spans four integration models — white-label (95% functionality at 5% effort), hybrid, full API, and gateway — designed to accommodate partners ranging from first-time entrants to those managing their own lender relationships.
The underlying technology is built around a proprietary Decision Engine that hosts first-line credit decisioning on behalf of lenders and credit unions, combined with a Vulnerability Detection module that analyses behavioural, application, and bureau data in real time to identify at-risk customers. The platform connects to major UK credit reference agencies (Equifax, HD Decisions/Experian) for soft-search eligibility checking and integrates with over 100 credit products across credit cards, personal loans, and current accounts, with a savings accounts marketplace in development. Operational scale is reported at 10.5M+ monthly API calls, 19M+ quotes processed, and 99.9%+ service uptime.
Creditec monetises as a marketplace intermediary, earning referral fees and commissions from lenders when matched consumers complete applications. Pricing is quote-based, negotiated with enterprise partners, and delivered under multi-year contracts. The company acts as an FCA-authorised credit broker (FRN: 971164) and is a subsidiary of Comparitec Group Limited, which also operates a related lender and broker panel accessed by Creditec. Customers include Blue Light Card, Finder, Virgin Money, TransaveUK, and Optimise, spanning affinity platforms, comparison sites, challenger banks, and credit unions.
CREDITEC LIMITED firmographics
Firmographics- Name
- CREDITEC LIMITED
- Legal name
- Creditec Limited
- Website
- https://creditec.co.uk
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Creditec is a UK-based embedded finance platform that provides B2B partners with white-label credit card, personal loan, and current account comparison services via a single API. It serves comparison sites, fintechs, credit unions, and affinity organisations through FCA-authorised credit brokerage infrastructure.
- Ownership category
- akta.pro rank
CREDITEC LIMITED industry classification
Industry- Product category
- Embedded Finance Platform
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Score Monitoring & Credit Building (FSAGADAE)
Keywords
Where CREDITEC LIMITED is headquartered
LocationHeadquarters
- HQ city
- Chester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
CREDITEC LIMITED business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Broker Services: Creditec acts as a credit broker connecting consumers seeking financial products with providers on their panel. Revenue is generated through referral fees or commissions from lenders when customers are matched and complete applications.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based pricing for enterprise partnerships |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
CREDITEC LIMITED product offering
Product offeringCore offering
Creditec provides an embedded finance platform that enables businesses to launch white-label credit and loan comparison services through a single API. The platform aggregates a panel of lenders and credit unions, runs a custom-built decision engine for credit risk matching, and applies real-time vulnerability detection, letting partners offer credit cards (70+), personal loans (20+), and current accounts (5+) to their end customers. Creditec monetises as an FCA-authorised credit broker via referral commissions from lenders when matched customers complete applications.
Product overview
Creditec is an embedded finance platform that provides a unified suite of credit matching and financial aggregation services. The platform consists of four integration solutions (White-label, Hybrid, API, and Gateway) that allow partners to embed credit comparison functionality into their existing customer journeys. Core marketplace offerings include 70+ credit cards, 20+ personal loans, 5+ current accounts, and upcoming savings accounts. The platform is powered by a proprietary Decision Engine for credit risk assessment and includes a Vulnerability Detection module for real-time identification of at-risk customers. Partners gain access to Creditec's panel of credit unions, community banks, and financial providers through a single API connection, enabling them to offer financial aggregation services without building infrastructure from scratch.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded Finance Platform A market-leading embedded finance platform that connects businesses (partners) with a panel of credit product providers through a single API. Available via White-label (95% functionality with 5% effort), Hybrid (form hosted by partner), full API (full design control), and Gateway (panel management with Creditec decision engine) deployment options.
- Credit Cards Marketplace Marketplace offering access to 70+ credit card products from a panel of providers, enabling partners to embed credit card comparison and eligibility checking for their end customers.
- Personal Loans Marketplace Marketplace providing access to 20+ personal loan products, enabling comparison, soft-search eligibility checks, and pre-qualification for loan applicants via partner channels.
- Current Accounts Marketplace Marketplace offering access to 5+ current account products, expanding the open finance services available through Creditec's platform for partner distribution.
- Decision Engine Custom-built decision engine that hosts 1st line decisioning on behalf of credit unions and lenders, enabling custom credit risk profile decisions and targeted audience matching.
- Vulnerability Detection Real-time module that analyses behavioural, application, and bureau data to identify signs of customer vulnerability and tailors the service accordingly, helping protect vulnerable customers from high-cost short-term lending.
Quantifiable outcome
- 10.5M+ monthly API calls processed
- +4 more outcomes
Companies that use CREDITEC LIMITED
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
CREDITEC LIMITED technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability1 record
Feature5 records
CREDITEC LIMITED partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Blue Light CardcoreBlue Light Card joined Creditec as a partner, entering financial services comparison for the first time. The partnership enables Blue Light Card to offer its millions of members a new way to compare credit cards they are eligible for while accessing exclusive rates, aligning with their mission to deliver substantial annual savings to members.
- FindercoreFinder joined Creditec as a partner, gaining access to Creditec's cutting-edge technology for unmatched access to credit card markets for both the platform and their customers. The collaboration highlights Creditec's technology consistently providing market access.
- TransaveUKcoreTransaveUK, a credit union, joined the Creditec panel to reach a wider audience. Creditec's speed to market and technical capability to pinpoint target audiences was cited as second to none. This partnership advances Creditec's goal to build a leading credit union panel.
- Virgin MoneycoreVirgin Money joined Creditec's credit cards marketplace, enabling partners to offer customers a wide range of Virgin credit cards including balance transfer, cashback, rewards, and all-round credit cards.
- OptimisecoreOptimise has been a key strategic partner of Creditec over the past several years. Creditec's technology has helped deliver successful campaigns for their partners, with ongoing innovation bringing value to the industry.
- Equifax LimitedcoreEquifax is a Credit Reference Agency (CRA) used by Creditec to check customer identity and creditworthiness through soft searches, enabling assessment of which providers may be most suitable for customer financial circumstances.
- HD Decisions Limited (Experian business)coreHD Decisions, an Experian business, provides eligibility scoring across a range of Creditec partners and their products. Used for pre-screening and eligibility checking services for credit card applications.
- Capital One (Europe) plccoreCapital One provides eligibility scoring for Capital One products through Creditec's platform as part of the pre-screening service for credit card applications.
- Madison CF UK Limited (118 118 Money)coreMadison CF UK Limited, trading as 118 118 Money, provides eligibility scoring for 118 products as part of Creditec's pre-screening panel for credit card applications.
- Comparitec Group LimitedcoreComparitec Group Limited is a related group company whose panel of lenders and brokers Creditec accesses to help match customers with financial products. Data may be shared between entities to restrict marketing of future credit products to declined customers.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
CREDITEC LIMITED competitors and assessment
Company assessmentDirect peers
- ClearScore: ClearScore operates a credit comparison and marketplace platform in the UK connecting consumers with credit cards and loans via lender partnerships. Directly competes with Creditec's credit card and loan marketplace, though primarily B2C whereas Creditec is B2B2C via partner APIs.
- Moneyhub Financial Technology: Moneyhub provides open finance and data aggregation APIs used by financial institutions and fintechs to access consumer financial data and deliver embedded money management, lending and savings products. Highly comparable to Creditec's embedded finance / open finance aggregation model.
- Credit Karma UK: Credit Karma UK is a consumer credit comparison and credit score platform with lender referral revenue model. Comparable to Creditec on credit matching/eligibility logic and marketplace commission economics, though with a direct consumer front-end rather than embedded partner model.
- Bud Financial: Bud Financial is an open banking and embedded finance platform enabling businesses to access financial data and integrate financial products via API. Directly comparable to Creditec for B2B partners embedding credit, lending and banking products into their customer journeys.
Emerging players
- TotallyMoney: TotallyMoney is a UK credit comparison and eligibility platform using soft-search technology to match consumers with credit cards and loans. Comparable to Creditec on soft-search pre-qualification and credit card marketplace mechanics, though B2C rather than B2B.
- Oakbrook Finance: Oakbrook Finance operates a technology-led lending and credit platform offering consumer loans and point-of-sale credit products via partner distribution. An emerging player with comparable credit aggregation and lender distribution dynamics, particularly in near-prime and secured lending.
- Canopy: Canopy provides an open data and analytics platform that helps lenders and fintechs assess consumer affordability and credit risk using bank transaction data. Comparable as an emerging player in credit decisioning data infrastructure supporting credit matching workflows.
Broad incumbents
- MoneySupermarket Group: MoneySupermarket is a major UK price comparison platform for financial products including credit cards, loans and current accounts. A broad incumbent that competes for end-user credit comparison traffic, distinct from Creditec's B2B API-first approach.
- Compare the Market: Compare the Market is a leading UK price comparison website across insurance, financial products and utilities. A broad incumbent in credit and loan comparison with significant brand and marketing scale; overlaps Creditec's category but Creditec's embedded B2B GTM differentiates.
- Experian: Experian is a global credit reference agency and credit scoring provider whose data, scores and decisioning tools underpin much of UK consumer credit. Creditec uses Experian (via HD Decisions) for eligibility scoring; a broad incumbent in credit data that could expand further into embedded comparison.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CREDITEC LIMITED social profiles
Digital presenceCREDITEC LIMITED compliance and trust
Trust signalCompliance2 records
CREDITEC LIMITED financial estimates
Financial estimateRevenue estimate
Valuation estimate
CREDITEC LIMITED leadership team
Management profileNumber of profiles
Profiles2 records
CREDITEC LIMITED funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CREDITEC LIMITED 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 CREDITEC LIMITED
What does CREDITEC LIMITED do?
Creditec provides an embedded finance platform that enables businesses to launch white-label credit and loan comparison services through a single API. The platform aggregates a panel of lenders and credit unions, runs a custom-built decision engine for credit risk matching, and applies real-time vulnerability detection, letting partners offer credit cards (70+), personal loans (20+), and current accounts (5+) to their end customers. Creditec monetises as an FCA-authorised credit broker via referral commissions from lenders when matched customers complete applications.
Is CREDITEC LIMITED a public or private company?
CREDITEC LIMITED is a private company. It is classified as corporate owned and is currently operating.
When was CREDITEC LIMITED founded?
CREDITEC LIMITED was founded in 2021. It employs 11 to 50 people.
Where is CREDITEC LIMITED based?
CREDITEC LIMITED is headquartered in Chester, United Kingdom, in the Europe region.
How does CREDITEC LIMITED make money?
One revenue line is on record: credit Broker Services.
Who are CREDITEC LIMITED's main competitors?
Direct peers on record are ClearScore, Moneyhub Financial Technology, Credit Karma UK and Bud Financial. Emerging players are TotallyMoney, Oakbrook Finance and Canopy. Broad incumbents are MoneySupermarket Group, Compare the Market and Experian.
Does CREDITEC LIMITED have an API?
Yes. Creditec offers API-based integration for partners to access their credit matching platform. The company processes over 600k eligibility checks per month through their API. Partners can access the platform through multiple integration models including white-label (95% functionality with 5% effort), hybrid (host form on partner environment), full API (flexibility to design and host complete end-to-end customer journey), and gateway (access to decision engine while managing panel relationships). The platform enables access to 70+ credit cards, 20+ personal loans, and 5+ current accounts through a single API connection.
What industry is CREDITEC LIMITED in?
CREDITEC LIMITED's product category is Embedded Finance Platform. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 5223 and its SIC code is 6163.