All You Can Do With Teal’s API
For too long, income and employment verification has been a bottleneck in credit decisioning—manual, slow, and often unfair to borrowers who don’t fit the old mold. At Teal, we believe that modern lending demands real-time, verified data, straight from the source: payroll.
Our API brings that vision to life. With direct payroll integrations, user consent built-in, and a modular architecture designed for modern credit workflows, Teal gives you the tools to transform affordability, risk, and compliance.
Here’s what you can do with the Teal API—and why it matters.
Verify Income and Employment Instantly
Forget chasing payslips, PDFs, or self-reported income. Teal’s API connects directly to payroll systems with user consent, delivering real-time, verified income and employment data in one seamless experience.
Use Cases:
• Instant affordability checks at onboarding
• Real-time employment verification with role, tenure, and employer details
• Dynamic risk assessments that keep pace with today’s workforce
Why it matters:
• Faster credit decisions, reduced fraud risk, and better borrower experiences
• Confidence that data is accurate, up-to-date, and compliant
• Inclusive lending that works for everyone: full-time employees, freelancers, gig workers, and multi-income households
Monitor Affordability Over Time
Affordability isn’t static—and neither is risk. With Teal’s recurring checks, you can monitor changes in a borrower’s income and employment throughout the credit lifecycle.
Use Cases:
• Ongoing affordability assessments
• Compliance with Consumer Duty regulations
• Proactive risk management to reduce defaults
Why it matters:
• Stay ahead of risk with dynamic insights
• Make fairer, more responsible lending decisions
• Build trust with borrowers by aligning credit with their real financial lives
Build Smarter, Fairer Credit Products
Teal’s API isn’t just a data feed—it’s a platform for innovation. By anchoring credit decisions in real-time, verified payroll data, you can design products that truly reflect how people work and live.
Use Cases:
• Dynamic credit lines that adjust based on real-time income
• Automated affordability calculations for faster approvals
• Credit products that serve the modern workforce: salaried, freelance, or gig workers
Why it matters:
• More inclusive lending that adapts to your customers’ needs
• Better risk management with source-level data
• A competitive edge in a rapidly evolving market
Modular, Flexible Integrations
We know every lender is different. That’s why Teal’s API is designed to be modular and flexible, so you can pick and choose the capabilities you need and integrate them seamlessly into your existing systems.
Use Cases:
• Embed Teal into onboarding, underwriting, and ongoing risk workflows
• Combine Teal data with your own credit models and processes
• Deploy at your own pace, with minimal engineering effort
Why it matters:
• Faster time-to-market
• Lower operational complexity
• More control over the borrower journey
Build the Future of Lending with Teal
The days of static scores, outdated documents, and incomplete data are over. With Teal’s API, you can transform your credit decisioning processes and build financial products that work for everyone.
Ready to see Teal’s API in action? Visit goteal.co to start building the future of lending today.