Flinks

Flinks provides financial data infrastructure for lenders, financial institutions and fintechs in Canada and the United States. With the borrower's consent, its APIs connect to accounts at thousands of banks and credit unions to retrieve transactions, balances and identity data for onboarding, income verification and underwriting. Enrichment turns that raw data into categorized attributes on income, cash flow and liabilities to support credit decisions. Lenders can also upload bank statements and void cheques to verify them and detect tampered documents. Flinks Pay handles account verification, funding and pre-authorized debits, and a managed service runs open banking programs for financial institutions. National Bank of Canada is the majority owner.