Fund more deals. Catch the fraud hiding in the paperwork.
Fraudfinder adds document fraud forensics to every business finance application. Spot doctored bank statements, fake invoices and manipulated ID in seconds, before you release funds, whether it's asset finance, an invoice facility or a working-capital loan.
Bank statement + invoice
Trusted by business & asset finance lenders
Business finance fraud lives in the documents, where a credit check can't look
Lenders lose money two ways at once: fraud that slips through to payout, and good SMEs wrongly declined. Both happen at the document, in the statement, the invoice and the ID.
Lost to UK financial fraud
Across banking and payments in 2024, as demand for business credit keeps climbing.
Source: UK Finance Annual Fraud Report 2025Of applications carry fraud
Detected in the applications we screen for business finance lenders.
Source: Fraudfinder platform dataAverage document check
From upload to an explainable fraud verdict, not a multi-day wait.
Source: Fraudfinder platform dataFrom application to decision in three steps
Drop Fraudfinder into your existing flow by API or portal. No change to how brokers or customers submit.
Connect the application
Send documents and bank statement data through our API, or upload them directly, however the deal arrives, direct or via broker.
Analyse in seconds
Forensic document checks plus invoice, payee and identity signals run automatically and return an explainable verdict in around 3.4 seconds.
Decide with confidence
Approve, decline or route to review against your own risk appetite, before you release funds.
Forensic checks on every application
Each one tuned for business finance, each one explainable to your risk team and your regulator.
Document forensics
Tests fonts, layers, metadata and full version history to flag edited statements, payslips and proof of address.
Altered document detectedBank statement analysis
Turns any statement, Open Banking or not, into structured transaction data you can check against the deal.
Transaction mismatchInvoice & proforma checks
Verifies supplier invoices and proformas, flagging inflated values, edited totals and dubious suppliers.
Invoice value inflatedConfirmation of Payee
Checks the payee and account details on business documents resolve to the named company or director.
Payee mismatchIdentity & address
Confirms the applicant and director are who they claim, and that the address and ID stand up to scrutiny.
ID inconsistencyData enrichment API
Returns every signal as clean JSON so your origination or decision engine can act on it instantly.
Risk decision returnedWhat document fraud is really costing your book
Set your monthly volume, then adjust the assumptions to match your business. We'll estimate the review time recovered, the fraud and wrongful-decline costs avoided, and your return on Fraudfinder spend.
Fraudfinder spend
Illustrative, based on the assumptions above, which you can change. "Errors Fraudfinder prevents" sets how much of your current fraud and wrongful-decline cost we remove. Review time is recovered for higher-value work, not cut. Not a quote or guarantee.
Catch what the bureau and the human eye can't
A credit check reads history and a person reads the page. Fraudfinder reads the file itself, and catches what both miss.
- Scores credit history, blind to a forged statement or invoice
- Human review misses subtle edits and AI-generated documents
- Can't keep pace as banks quietly change their statement templates
- No hard evidence to hold the line when sales push a risky deal
- Layered forensics read the document itself: fonts, metadata, structure and full version history
- Benchmarked against a database of millions of real financial documents
- Detects AI-generated and AI-edited files, and keeps pace with new bank templates
- Gives your risk team explainable, downloadable evidence, ready for CIFAS
Pricing that scales with you, not against you
Three things the bigger fraud vendors charge for that we don't, so rolling Fraudfinder out never works against your margin.
No charge per user
Add your whole fraud, risk and underwriting team. Seats are unlimited, so pricing never punishes you for rolling it out across the business.
Per document, not per page
A 40-page bank statement costs the same as a 4-page one. You pay per document checked, so long files never inflate your bill.
No platform fees
No large upfront licence or platform charge to get started. You pay for the checks you run and nothing else.
Same statement. One charge. Long files never inflate your bill.
Built for how business finance really underwrites
The moments where fraud slips through and good deals stall, drawn from how business finance risk teams actually work.
New-start & thin-file SMEs
No filed accounts, no bureau depth. Screen every startup on the documents alone, so you can say yes to new businesses without flying blind.
Broker & dealer-introduced flow
Fraud can reach payout through your introducer panel. Run every submitted deal yourself and apply a hard stop on bank statement fraud, whoever sent it.
Speed-critical decisions
When your edge is a same-day turnaround, a 3.4-second document check keeps fast deals fast without dropping your guard.
Niche & foreign bank statements
Statements from challenger, business-only and overseas banks your team rarely sees. Fraudfinder already knows the templates they don't.
Smaller-ticket, higher-risk deals
Fraud concentrates in smaller deals where scrutiny is lightest. Catch the manipulated statement on the sub-£100k facility, not just the big-ticket ones.
Evidence for CIFAS & risk over sales
Explainable, downloadable evidence your compliance team can file with CIFAS and use to hold the line when sales want the deal through.
Whatever you finance, prevent the fraud in it
Asset & equipment finance
Flag inflated proforma invoices, edited statements and asset-existence fraud on hire purchase and lease deals.
ExploreInvoice & working capital
Catch fake or duplicated invoices, doctored statements and inflated debtor books on invoice finance and cashflow loans.
ExploreBroker & dealer flow
Screen every deal from your introducer panel so you can grow flow business without inheriting hidden fraud.
ExploreEvidence your risk team can stand behind
“The ability to detect amendments to documents, on top of the font analysis, gives us another way of spotting fraudulent applications. It provides a robust evidence trail, and has prevented several fraudulent applications since we introduced it.”
“Fraudfinder has quickly become an essential part of our fundamental checks at Halo. The ability to quickly verify fraud within our bank statements has significantly benefited our turnaround time and allowed us to support our own initial checks with data backed findings. This allows our team to safeguard our business by identifying fraud at the first point.”
Built for regulated finance
Your applicants' data is handled to the standard finance demands.
Business finance fraud prevention, answered
Business finance fraud is when an applicant uses false, altered or stolen information to obtain funding, whether asset finance, invoice finance, a working-capital or VAT loan, that they would not otherwise qualify for. Common forms include edited bank statements, fake or inflated invoices, doctored director income, and fraud where an underlying asset or invoice does not exist or is over-valued.
Fraudfinder runs forensic checks on the documents in each application, testing fonts, metadata, structure and full version history for signs of tampering, and cross-references supplier, invoice and payee details. It returns an explainable verdict in seconds so your team reviews only genuine risk.
Yes. Fraudfinder screens documents whether they arrive by API, portal upload or through a broker or dealer, so you can grow flow business without taking on hidden fraud risk from your introducer panel.
Document analysis returns an explainable fraud verdict in around 3.4 seconds, so it fits inside a same-day underwriting turnaround rather than slowing it down.
Fraudfinder is operated by Homeppl Ltd. It is ICO registered, GDPR compliant, Cyber Essentials certified and independently penetration tested.
Benchmark your fraud rate. 500 checks, no commitment.
- Run your real applications through Fraudfinder and see exactly what manual review is missing.
- No platform fees or financial blockers. Drag-and-drop portal or API.
- Your team set up and live in under an hour.
Book a demo
Tell us where you work and we'll set up your 500 checks.
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