Build, Launch, and Scale Credit Products with Confidence

Bloom Credit provides the credit data infrastructure powering the next generation of B2B fintechs—so you don’t have to reinvent the wheel.

You Deliver Next-Gen Credit Products. We Make it Easier by Transforming the Way You Do It.

Access better data, expand lending opportunities, and champion more equitable credit—all from one solution.

Leverage our next-gen infrastructure to access real-time, multi-bureau credit data from a single point of access.

Turn everyday customer payments into a credit-building engine that expands your addressable market and fuels long-term growth.

Compliantly report loan repayment and payment behaviors across the credit ecosystem easily and with over 700 validation checks for accuracy.

Smarter Decisions Start Here

Access a 360° view of creditworthiness and the ability to report compliantly back to the credit bureaus.

Bloom+

Turn recurring commercial accounts like rent, and utilities into credit-building engines that strengthen loyalty and expand access to fair, affordable credit for customers.

Furnishment

Report repayment data back to bureaus with industry-leading accuracy that includes 700 validations of Metro 2® data. Build your own feedback loop for positive credit behavior.

Data Access

Instantly pull commercial credit files, payment histories, and tradeline details—all via a single API.

Credit Dispute Management

Redirect your effort to innovation and reduce the operational burden of dispute management in a compliant way.

See What You Can Build with Bloom Credit’s Transformative Infrastructure

Achieve more with a financial data infrastructure designed to expand access and strengthen credit outcomes.

Access comprehensive, accurate, validated credit data— ready to power better decisions.

Meet furnishing requirements (Metro 2®, XML) without building or maintaining custom pipelines.

Whether you’re a startup launching new lending products or a scaled platform optimizing spend, our platform offers pay-as-you-go and pay-as-you-grow pricing.

Used by top fintech lenders to support high-volume, compliant credit programs.

“The Bloom+ tool provides our members with a powerful way to impact their finances and build credit history, via online and mobile banking,” said Jaspreet Chawla, senior vice president of savings. “Our members have the opportunity to easily report their payment history to credit bureaus, giving them a valuable tool to enhance their financial well-being.”

Jaspreet Chawla Navy Federal

“At TransUnion, we know that consumers want to play a more active role in their financial journeys. The consumer permissioned data reporting that Bloom+ enables, provides a more holistic view into financial obligations millions of consumers meet every month and may not be reflected in traditional credit data. It’s a huge step forward in driving more confident lending and empowering consumers,” said David Goldberg, senior vice president at TransUnion.

David Goldberg TransUnion

“Today, more than ever, the communities we serve need access to affordable credit,” said Jim Merrill, CEO of Inspire Federal Credit Union. “Bloom Plus gives our members and the communities we serve the critical ability to demonstrate their creditworthiness in new ways.”

Jim Merrill Inspire Credit Union

“Integrating Imprint’s card management system to Bloom couldn’t have been simpler. They have intuitive APIs, clear documentation, and knowledgeable people available to help if needed. The Bloom platform is clearly designed for scale, able to handle our largest card portfolios without issue.”

Patrick Shubert Imprint

“Bloom made it easy to jump start our credit bureau integration, and their level of support has been amazing on both tech and ops.”

Andy Nguyen Karat

“Partnering with Bloom Credit significantly reduced the burden of handling consumer credit disputes, allowing us to focus on growing our business,” said Reza Rahman, President of Ava Finance.

Reza Rahman Ava Finance

Better Underwriting. Smarter Lending. A Stronger Credit Ecosystem.