Pulse Launch Unified Lending Interface Enabling Partners Seamless Integration with Lending Products

Data & SaaS company Pulse has announced the launch of Unified Lending Interface (ULI), which enables introducers, brokers, and fintech platforms to instantly embed lending products directly into their own environments through their Lending APIs. 

Through plug-and-play simplicity, Pulse’s Lending APIs provide access to real-time indicative offers, full application submission, and instant decisioning for banks, lenders, accountants, brokers, introducers and the businesses they serve, without breaching origination limits. The aim is to streamline and simplify the lending process for all parties.  

Pulse’s Lending APIs provide access to its Unified Lending Interface (ULI), an infrastructure layer that connects powerful solutions under a single user-friendly and developer-friendly interface.  The ULI combines onboarding, loan origination, loan management, and automated underwriting in one seamless flow, allowing for the automation of the lending process through prebuilt submission tools. This will enable users to receive real-time, tailored quotes based on borrower data, including property valuations, public data and other alternate data streams. It is scalable, built to handle tens of thousands of applications instantly. This breaks down many of the barriers currently preventing businesses from accessing funds more easily and making informed decisions, while lenders, brokers and introducers can better serve their customer base and scale their offering. The embedded finance features also open alternative revenue opportunities for platforms catering to businesses. 

Within the first month of using Pulse’s Lending APIs, Nucleus Commercial Finance has seen a 50% increase in applications. 95% of all applications have been decisioned within just 60 seconds, and the number of loans disbursed is up 100% compared to the same month in 2024.

LoanTube, the UK’s leading digital credit marketplace, has integrated the Pulse APIs into its proprietary AI-powered platform, alongside real-time data from Companies House, credit bureaus and fraud detection systems. With Pulse now part of this ecosystem, SMEs gain access to an even wider choice of instant, pre-qualified offers, ensuring they can quickly identify and secure the funding that best fits their needs without unnecessary delays or repeated data entry. 

“With finance embedded directly into the customer journey, SMEs can see live, personalised offers at the moment they apply,” says Gurprit Singh Gujral, CEO of LoanTube. “No follow-up calls. No duplicate data entry. Just clear funding outcomes delivered at the point of enquiry. This is embedded finance that actually works – instant, transparent and hassle-free.” 

Yasmine Holliday, Head of Partnerships at Nucleus Commercial Finance, comments: “By integrating Pulse’s innovative APIs, we’re giving our broker network a smarter, faster, and more seamless way to serve SMEs.  

“It’s about empowering brokers to deliver value instantly – with personalised offers that reflect the unique financial position of each business.” 

Chirag Shah, Founder and CEO of Pulse, comments: “Pulse’s Unified Lending Interface (ULI)  marks a new stage for embedded finance. It means partners can add lending to their product in days, not months. It provides a robust infrastructure layer for modern lenders, and our partners can embed credit decisions exactly where their customers are.” 

“The enhanced data accuracy and streamlined processes mean that anyone who wants to offer loans to their customers, from accountants to fintechs, can do so easily.” 

“Our Lending APIs put us in a position to process tens of thousands of applications instantly, without any cap on application processing. It enables instant decision-making and enhances service for everyone involved. What really sets it apart, however, is the fact that it’s plug-and-play, delivering data processing, AML, KYC, and signatures, for a full digital end-to-end lending interface with minimal effort.” 

“We’re delighted with the results of the Pulse ULI so far and are excited to launch it to the wider market.”