{
  "slug": "finclude-fka-verge-capital",
  "name": "Finclude Fka. Verge.Capital",
  "description": "Finclude provides an affordability score API based on transactional banking behavior, utilizing licensed Open Banking capabilities to assess creditworthiness, minimize defaults, manage risk, and help businesses expand to new markets. It offers instant, digital solutions for credit decisions, even for those with no credit history.",
  "url": "https://optimly.ai/brand/finclude-fka-verge-capital",
  "websiteUrl": "https://finclude.ai/",
  "logoUrl": "https://logo.clearbit.com/finclude.ai",
  "baiScore": 55.8,
  "bai_tier_status": "active",
  "bai_score_status": "active",
  "archetype": null,
  "archetype_status": "active",
  "category": "Credit Risk Management Software",
  "categorySlug": null,
  "keyFacts": [],
  "aiReadiness": [],
  "competitors": [],
  "competitorsProse": null,
  "inboundCompetitors": [],
  "aiAlternatives": [],
  "parentBrand": null,
  "subBrands": [],
  "updatedAt": "2026-09-07T18:48:15.808Z",
  "verifiedVitals": {
    "website": "https://finclude.ai",
    "category": "FinTech",
    "what_it_does": "Finclude Fka. Verge.Capital provides an affordability score API based on transactional behavior, leveraging licensed Open Banking capabilities for creditworthiness and affordability assessment. It helps businesses minimize defaults, manage risk, offer appropriate credit terms, avoid over-indebtedness, and get early warnings for late payments. The platform also offers PSD2 Insights, smart categorization, adaptive learning for cash flow projections, income verification, source of funds verification, and asset and balance insights.",
    "primary_audience": "Creditors, lenders, and businesses that need to assess the creditworthiness and affordability of their clientele.",
    "core_product": "An API that provides creditworthiness and affordability scores based on transactional behavior, utilizing PSD2 insights, a smart categorization engine, and adaptive learning for cash flow projections.",
    "pricing_model": {
      "kind": "freemium",
      "detail": "Offers an 'Experiment' (Free) plan for building and testing in a sandbox environment, a 'Grow' plan starting at €200/month with a pay-as-you-scale model for live platforms, and an 'Enterprise' plan with custom deployments, volume pricing, and dedicated support."
    },
    "parent_ownership": "Cepal Hellas Financial Services",
    "named_competitors": [
      "Veradat",
      "Ilumoni"
    ]
  },
  "intentTags": null,
  "businessProfileClaims": [],
  "timestamp": 1790155041155
}