Traditional lending is delayed, paper-based, and fragmented. These inefficiencies block businesses from getting access to finance. In the UK, the rise of embedded lending is changing this landscape. Businesses and consumers now expect credit to be available within the platforms they already use. To stay competitive and meet these expectations, banks, lenders, brokers, and introducers need smarter, faster solutions. Delivering frictionless lending calls for automation, real-time data, and seamless integration, and this is exactly what Pulse’s Unified Lending Interface (ULI) provides. 

The Launch of Pulse ULI

Pulse has announced the launch of its Unified Lending Interface (ULI), which allows banks, lenders, introducers, brokers, and fintech platforms to easily embed lending products into their environments through Pulse’s Lending APIs, all under one intuitive interface. Pulse’s ULI combines various solutions like the Pulse Loan Origination System (LOS), which helps lenders automate and expedite applications with completion times under three minutes, Einstein aiDEAL, which is an advanced AI-powered underwriting engine that processes over 95% of deals in under a minute, and the Loan Management System (LMS), which streamlines the monitoring and management of repayments. 

Powered by advanced AI, ML, and real-time data sources, Pulse’s APIs enable quick and accurate credit decisions. This means users can access instant indicative offers, submit complete loan applications, and receive instant approvals. 

Read More: Powering the Future of Lending: Inside Pulse’s End-to-End Unified Lending Interfaces

Strategic Partnerships: LoanTube & Nucleus Commercial Finance

Pulse’s ULI is already delivering results through partnerships with a leading digital credit marketplace called LoanTube and an award-winning lender,  Nucleus Commercial Finance. 

LoanTube has integrated Pulse’s APIs into its AI-powered platform. This integration enriches LoanTube’s offering by automating and streamlining the entire lending process, while providing SMEs with instant, personalised loan offers

Nucleus Commercial Finance uses Pulse’s Lending APIs to give its broker network a more innovative and faster way to serve its clients. Since adoption, Nucleus has seen a 50% increase in applications and significant growth in loan disbursements. The seamless integration enhances broker efficiency and customer satisfaction. 

Both partners exemplify how Pulse’s technology enables platforms to serve customers better while scaling lending operations effortlessly. 

Why This Matters: Speed, Scalability, and Smarter Decisions

Pulse’s Unified Lending Interface addresses key challenges in modern lending: 

Speed: Pulse’s signature automated underwriting engine, Einstein aiDeal, approves 95% of loans within 60 seconds. Instant decisions mean less waiting and a better customer journey. With customisable criteria, lending decisions require minimal human intervention. 

Scalability: Pulse’s Loan Originating System can handle thousands of applications simultaneously without compromising on performance. This supports business growth without increasing overheads. Rather than following archaic lending procedures, Pulse LOS digitises and reduces application timelines to under 3 minutes, thus revolutionising and automating loan origination.

Smarter Decisions: Underwriting with Einstein aiDeal allows for accurate, faster, automated lending decisions with access to real-time data sources. The result? It’s less risk and more relevant offers for borrowers. By combining speed, scalability, and smart lending decisions, Pulse’s ULI makes lending better for lenders, brokers and businesses.

Media Coverage & Recognition

Pulse’s ULI has already been featured in the press and has gained industry recognition. Trusted partners like LoanTube and Nucleus Commercial Finance have publicly shared their positive experiences. Pulse’s innovative approach has been recognised for enabling seamless embedded finance and transforming credit access for UK SMEs. 

Read More:

• Pulse launch ULI enabling partners seamless integration with lending products
• Pulse Launch Unified Lending Interface Enabling Partners Seamless Integration with Lending Products – UK Tech News
• Pulse Launches Unified Lending Interface to Ease Embedding of Lending Products | The Fintech Times
• The Green Sheet: News From the Wire
• Pulse Launch Unified Lending Interface Enabling Partners Seamless Integration with Lending Products

Pulse is officially certified under the ISO/IEC 27001:2022 standard for Information Security Management Systems (ISMS). With AI, machine learning, and real-time analytics, Pulse is ready to set a new standard in automated lending.