Lend more. Decide faster. Stay in control.

The credit committee keeps doing what it does today. You decide which cases need to come to it, by amount, by product, by new vs existing member, by risk flag, and NestEgg handles the rest. Cases that do route to committee arrive with the credit search, affordability, and reasoning already prepared, so the committee can focus on the judgement call rather than the paperwork.

Yes. NestEgg is built around your rules, not a standard template. If you've never run a credit check, you don't have to start. You can add one source of data at a time and turn things on at your own pace. Many credit unions begin by using Open Banking or affordability data to support the decisions they already make, then layer in more over time as confidence grows. Nothing changes faster than you want it to.

Yes, and this is where Open Banking makes the difference. Rather than relying on a credit score, which often penalises irregular income, the system analyses real bank transaction data, identifying variable income, weekly pay cycles, and spending patterns that traditional assessments miss. Members who look risky on paper often look very different when you see their actual financial behaviour.

Always. The system handles straightforward cases automatically, freeing your team to focus where their judgement adds most value. And the computer never has to say no, it can say maybe, flagging specific areas of risk for a loan officer to review and make the final call. Your expertise isn't replaced; it's used more purposefully.

Yes, and the feedback has been extremely positive. Credit unions using NestEgg are growing rapidly, and in Northern Ireland, online lending has become an invaluable service, particularly in rural areas where access to branches is limited. Staff consistently report less time on data gathering and more time for members. For members, faster decisions are a tangible improvement.

It's arguably most valuable for smaller teams. Automating routine assessments means you can handle greater loan volumes without additional headcount. Implementation is straightforward, and we support you through it. No tech team required, just a willingness to process loans faster.

The contract runs on a 30-day rolling basis with no minimum volume commitment. Pricing is built to scale with you, including reduced Open Banking fees when usage is lower in a given month. The aim is for NestEgg to pay for itself in the time it saves and the lending it unlocks, which is often most visible in smaller credit unions, where every extra loan landed and every hour back to the team makes a real difference.