# Finclude Fka. Verge.Capital > Analysis by Optimly for Optimly AI Visibility, in the Optimly AI Brand Index. Last analyzed September 7, 2026. > 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. - Business Profile: https://optimly.ai/brand/finclude-fka-verge-capital - Publisher: Optimly (https://optimly.ai) - Dataset: Optimly AI Brand Index (https://optimly.ai/brand) - Official website: https://finclude.ai/ - Logo: https://logo.clearbit.com/finclude.ai - Slug: finclude-fka-verge-capital - Brand Authority Index tier: Emerging - Category: Credit Risk Management Software - Last Analyzed: September 7, 2026