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Are you a company interested in...

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Verifying customer ID and decreasing fraud?

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Increasing sales through higher approval and conversion rates?

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Gaining insight into customer online behavior?

How it works


Borrower step one icon Sign up
Borrower step two icon Connect social networks
Borrower step three icon Receive your score!


Lender step one icon Sign up
Lender step two icon Connect with our API
Lender step three icon Track your customers on our dashboard

Why use FriendlyScore?

Social media offers a personalized and internationally standard source of big data suited for millennials, travelers, and underbanked populations. Social credit scoring is revolutionary because it allows us to:

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Old metrics, new data

Analyze similar data to that of traditional credit scores: employment status, residential history, and level of education.

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New metrics, better scoring

Enhance existing score accuracy with new predictive indicators like social network strength, and online behavioral and communication lifestyle patterns.

FriendlyScore offers you

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Access to your own back-end panel

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Visibility into customers' scores

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Ability to customize user interface

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Hand-selected data points of your choosing

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Easy to implement API

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Access to a pool of interested lender leads

FriendlyScore in practice

FriendlyScore produces a score as a per cent which reflects a raw score ranging from 0-1000 points, with higher scores representing a lower propensity to default. Our data confirms that we can statistically predict default probability to five classification bands. We also build a comprehensive white-label solution whereby the FriendlyScore widget can be privately branded and positioned on any local domain. White-label customers can also download the entirety of the raw data generated by their users. Please contact us for more information about our white-label solution.

Score Band Score Default probability
A 950 - 1000 < 2.33%
B 920 - 949 2.33% – 9.05%
C 670 - 919 9.06% – 13.32%
D 520 - 669 13.33% – 20%
E 0 - 519 > 20%
Software as a Service

Our SaaS product is a simple and easy-to-use plug-and-play application. You will install a FriendlyScore widget on your website to score your customers. You will be able to monitor the scores and data on your back-end panel. Additionally The Lead Generation solution gives our customers access to scorecards of users who have both taken their FriendlyScore and have indicated interest in being contacted regarding a loan opportunity.
Software as a Service Customer Panel
Software as a Service User View
More resources Credit Scoring using Social Data FriendlyScore One Pager Lead Generation program


The White Label solution is for lenders who want their own branding and interface. It will be a customisable web application installed on your home domain. You will also have access to the raw data generated to monitor separately if you like.

Our Enterprise Solution includes building a custom-branded integration, business consulting services, data analysis, one month of data monitoring, and integration support

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About us

We believe in financial inclusion for the 21st century consumer. By leveraging social media data, we help bridge the gap between true human creditworthiness and objective credit decisioning. For borrowers, a FriendlyScore means access to financial services that were once out of reach. For lenders, FriendlyScore helps you better serve your thin-file borrowers and improves conversion rates.

161 person icon Companies
$55 670 930 money icon In loans
Learn more about us


Any Questions? Ask us!