Client Overview
A rapidly scaling UK fintech specialising in automated credit assessment and digital onboarding needed a faster, more reliable API for data to retrieve company information at scale. Their platform depends on real-time financials, ownership structures, and regulatory insights to approve customers quickly and reduce onboarding friction.
This case study is ideal for:
Fintech teams, SaaS product owners, onboarding leaders, risk teams, CTOs, and engineering leads who need a powerful API for data to access accurate business information.
Ready to get started
Discover how our solutions can empower your business with comprehensive, up-to-date company information.
The Challenge
As the fintech grew its customer base and expanded its product offering, several data access challenges surfaced:
Slow, fragmented data retrieval
- Developers were manually pulling records from Companies House, credit sources, and other registries, lacking a unified API for data, which created delays in onboarding and underwriting processes.
No single API for data provides complete company intelligence
- Financials, directors, shareholders, CCJs, and filings were spread across multiple systems. Without a consolidated API for data, integration work increased, and engineering output slowed significantly.
Need for a scalable, reliable API for data access
- Their platform required an API for data that could support automated company checks across thousands of daily requests with minimal engineering overhead and maximum reliability.
Limited insights for comprehensive risk assessments
- Raw financials weren't enough. They needed an enriched API for data offering growth trends, management changes, and predictive signals to improve assessment accuracy.
The Solution
The team integrated DataGardener's fintech API for data into their onboarding and risk infrastructure, enabling rapid access to enriched, real-time business intelligence.
With DataGardener's API for data, they were able to:
Retrieve complete company profiles using simple inputs
Company name, company number, or website URL — all through one comprehensive API for data.
Company name, company number, or website URL — all through one comprehensive API for data.
Access structured, developer-friendly JSON output, including:
- Financial statements
- Ownership and group structure
- Filings and charges
- CCJs and legal records
- Directors and management
- Firmographics
- Growth insights (3–5 year data)
Achieve near real-time performance
Average response time: 545 ms — ideal for fintech teams needing a fast, reliable API for data solutions.
Average response time: 545 ms — ideal for fintech teams needing a fast, reliable API for data solutions.
Scale operations efficiently
The API for data provides seamless high-volume access to company intelligence, making it a robust solution at scale.
The API for data provides seamless high-volume access to company intelligence, making it a robust solution at scale.
Gain full UK-wide coverage
Data for 5.3M+ live UK companies, refreshed every 24 hours through a single API for data endpoint.
Data for 5.3M+ live UK companies, refreshed every 24 hours through a single API for data endpoint.
Access enriched insights beyond official filings
Improving risk scoring, fraud detection, and onboarding decisions through intelligent API for data enrichment.
Improving risk scoring, fraud detection, and onboarding decisions through intelligent API for data enrichment.
The Results
The improvements were significant across engineering, onboarding, and risk teams using this API for data:
80% faster automated onboarding checks
A unified API for data replaced manual research and fragmented data sources.
A unified API for data replaced manual research and fragmented data sources.
90% improvement in data completeness
Consistent data across filings, ownership, financials, and CCJs improved decision quality through one API for data.
Consistent data across filings, ownership, financials, and CCJs improved decision quality through one API for data.
Infrastructure ready for scale
The fintech now processes thousands of company checks daily using one scalable API for data platform.
The fintech now processes thousands of company checks daily using one scalable API for data platform.
3× improvement in decision accuracy
Enriched datasets from the API for data powered stronger, more reliable credit and risk assessments.
Enriched datasets from the API for data powered stronger, more reliable credit and risk assessments.
Daily data refresh
Ensured the platform always used the most current company information via the API for data.
Ensured the platform always used the most current company information via the API for data.
Client Feedback
“DataGardener’s API for data has become a core part of our onboarding and risk engine. The speed, reliability, and enriched financial insights allow us to approve customers faster without compromising quality. It’s a perfect fit for a growing fintech.”
— CTO, UK Fintech
— CTO, UK Fintech
Key Takeaways: Why Choose DataGardener's API for Data
By adopting DataGardener’s fintech API for data, the fintech achieved the following:
- Faster, automated onboarding through streamlined data access.
- More accurate credit and risk assessments with enriched company data.
- Scalable API for data infrastructure for high-volume checks.
- Real-time insights powering better, faster decisions.
Ready to Transform Your Fintech Workflow?
Unlock faster onboarding, smarter risk assessments, and real-time company intelligence with DataGardener’s powerful API for data.
