Pulse, a data and software-as-a-service (SaaS) company, has launched a Unified Lending Interface (ULI), which enables introducers, brokers, and fintech platforms to embed lending products directly into their own environments.
With plug-and-play capabilities, Pulse Lending APIs look to 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. Ultimately, its aim is to streamline and simplify the lending process for all parties.
LoanTube, the UK-based 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 also 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,” explained 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.”
Pulse’s Lending APIs provide access to its 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, as well as automated underwriting in one seamless flow, allowing for the automation of the lending process through prebuilt submission tools. This also enables users to receive real-time, tailored quotes based on borrower data, including property valuations, public data and other alternate data streams.
“A new stage for embedded finance”
Pulse says the ULI is scalable, built to handle tens of thousands of applications instantly, which 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 says it has seen a 50 per cent increase in applications. Ninety-five per cent of all applications have been decisioned within just 60 seconds, and the number of loans disbursed is up 100 per cent compared to the same month in 2024.
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, also said: “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.”
“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.”
Source: https://thefintechtimes.com/
