News from the Wire

Pulse's Unified Lending Interface offers seamless integration with lending products

Tuesday, August 19, 2025 — 16:23:52 (UTC)

LONDON Tuesday 19th August 2025: Data & SaaS company Pulse has announced the launch of Unified Lending Interface (ULI), which enables introducers, brokers, and fintech platforms to instantly embed lending products directly into their own environments through their Lending APIs. Through plug-and-play simplicity, Pulse's Lending APIs provide access to real-time indicative offers, full application submission, and instant decisioning for banks, lenders, accountants, brokers, introducers and the businesses they serve, without breaching origination limits. The aim is to streamline and simplify the lending process for all parties.

Pulse’s Lending APIs provide access to its Unified Lending Interface (ULI), an infrastructure layer that connects powerful solutions under a single user-friendly and developer-friendly interface. The ULI combines onboarding, loan origination, loan management, and automated underwriting in one seamless flow, allowing for the automation of the lending process through prebuilt submission tools. This will enable users to receive real-time, tailored quotes based on borrower data, including property valuations, public data and other alternate data streams. It is scalable, built to handle tens of thousands of applications instantly. This breaks down many of the barriers currently preventing businesses from accessing funds more easily and making informed decisions, while lenders, brokers and introducers can better serve their customer base and scale their offering. The embedded finance features also open alternative revenue opportunities for platforms catering to businesses.

Within the first month of using Pulse's Lending APIs, Nucleus Commercial Finance has seen a 50% increase in applications. 95% of all applications have been decisioned within just 60 seconds, and the number of loans disbursed is up 100% compared to the same month in 2024.

LoanTube, the UK’s leading digital credit marketplace, has integrated the Pulse APIs into its proprietary AI-powered platform, alongside real-time data from Companies House, credit bureaus and fraud detection systems. With Pulse now part of this ecosystem, SMEs gain access to an even wider choice of instant, pre-qualified offers, ensuring they can quickly identify and secure the funding that best fits their needs without unnecessary delays or repeated data entry.

“With finance embedded directly into the customer journey, SMEs can see live, personalised offers at the moment they apply,” says Gurprit Singh Gujral, CEO of LoanTube. “No follow-up calls. No duplicate data entry. Just clear funding outcomes delivered at the point of enquiry. This is embedded finance that actually works - instant, transparent and hassle-free.”

Yasmine Holliday, Head of Partnerships at Nucleus Commercial Finance, comments: “By integrating Pulse’s innovative APIs, we’re giving our broker network a smarter, faster, and more seamless way to serve SMEs.

“It’s about empowering brokers to deliver value instantly – with personalised offers that reflect the unique financial position of each business.” Chirag Shah, Founder and CEO of Pulse, comments: “Pulse's Unified Lending Interface (ULI) marks a new stage for embedded finance. It means partners can add lending to their product in days, not months. It provides a robust infrastructure layer for modern lenders, and our partners can embed credit decisions exactly where their customers are.”

“The enhanced data accuracy and streamlined processes mean that anyone who wants to offer loans to their customers, from accountants to fintechs, can do so easily.”

“Our Lending APIs put us in a position to process tens of thousands of applications instantly, without any cap on application processing. It enables instant decision-making and enhances service for everyone involved. What really sets it apart, however, is the fact that it’s plug-and-play, delivering data processing, AML, KYC, and signatures, for a full digital end-to-end lending interface with minimal effort.”

“We’re delighted with the results of the Pulse ULI so far and are excited to launch it to the wider market." 

About Pulse

Pulse is an award-winning, ISO-certified Data & SaaS company transforming how banks, lenders, accountants, advisors, and SMEs access, interpret, and act on financial data. Powered by AI, machine learning, and real-time analytics, Pulse delivers a suite of tools, including its Unified Lending Interface (ULI), which streamlines and automates the entire loan journey. Its signature automated underwriting engine, Einstein aiDeal, approves 95% of loans in under 60 seconds, while solutions like aiPredict and DebtorIQ give users the power to forecast cash flow, model scenarios, and take complete control of accounts receivable.

Serving more than 7 million businesses worldwide, Pulse also offers embedded finance solutions, loan origination and management, and a comprehensive business insights platform that transforms raw financial data into actionable intelligence. From enabling businesses to track their financial health and secure funding faster, to helping banks and lenders scale and innovate, Pulse is driving the future of lending and financial services.

About LoanTube

LoanTube is a digital credit marketplace that empowers UK consumers, and now small businesses, to compare and select the right loan products to lead their best financial lives. Launched in 2019 and regulated by the Financial Conduct Authority (FCA), LoanTube partners with over 50 of the UK’s most trusted lenders, delivering real-time, personalised loan options tailored to each borrower’s unique needs. LoanTube opens up access to fair, transparent and competitively priced credit for consumers and business owners too often overlooked by traditional finance. Committed to financial empowerment, the LoanTube platform demystifies complex terms like APR and interest rates, helping users make confident, informed borrowing decisions. It offers in-depth guides on all supported loan products, real-time rate comparisons, transparent cost breakdowns and top-tier customer support, reflected in its outstanding 4.9 Trustpilot rating. LoanTube is a trading style of Tiger Lion Financial Limited. Tiger Lion Financial Limited is authorised and regulated by the Financial Conduct Authority.

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Source: Company press release.

Categories: New Product | Partnership