Banks & Credit Unions

Make confident risk decisions with full transparency

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Support account opening and underwriting with real-time risk signals and fraud detection.

Trusted by developers and industry leaders at 2,200+ financial institutions

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Safer decisions at scale.

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Slash manual reviews

Automate identity, credit, and fraud checks to save hours per application, and free up teams for higher-value work.

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Lower fraud losses

Block repeat offenders with consortium-powered alerts trusted by 2,200+ peer institutions.

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Streamline compliance

Deliver audit-ready trails backed by government-verified data and transparent decision logic.

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Ongoing monitoring

Continuous, automated and comprehensive portfolio monitoring.

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  • breakout finance logo
    Ian Bradley, head of operations and technology at Breakout Finance, standing in a suit outdoors

    Baselayer allows our team to progress faster and without the burden of potentially duplicating mistakes.

    Ian BradleyHead of Ops & Technology @ Breakout Finance
  • fundbox logo
    portrait of Sarvesh Baveja of Fundbox in front of grey background

    The interface is clean, the matching is accurate, and most importantly, it gives us confidence. It’s become a core part of how we de-risk our lending process.

    Sarvesh BavejaRisk & Data Science @ Fundbox
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Built for every stage of the SMB risk decision lifecycle.

Instant Business Verification

Approve legitimate businesses in seconds with authoritative registration and ownership data.

Real-time KYB Scoring

Triage applications automatically with clear, explainable risk grades.

Credit Risk Insights

Assess liens, litigations, and proprietary risk scores before extending credit.

Fraud Consortium Intelligence

Detect and block known fraudsters flagged by peer institutions.

Ongoing Risk Monitoring

Monitor changes in business status, liens, and risk signals across your SMB portfolio.

Every risk check,
checked

Identity

Know who you're 
working with

  • Instantly verify the identity, associated contacts, and legitimacy of 100% of U.S. businesses.

  • A single score representing all signals of business verification, designed for intelligent decisioning.

  • Automate industry (NAICS Code) lookup, and catch bad actors falsely claiming low NAICS codes.

  • Verify officers, owners, and signers for sanctions, legal, and military risk, all in one API.

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Credit

Go deeper on financial standing

  • Search for and file liens against businesses in one intuitive platform.

  • Identify lawsuits, bankruptcies, and other red flags tied to a business.

  • Gain visibility into online presence to reduce fraud and operational drag.

  • Baselayer’s proprietary business credit risk score, built from multi-source data.

Fraud

Make your first line of fraud defence your strongest

Frame 1948763187Fraud Consortium

Tap directly into a fraud intelligence network to detect emerging trends and prevent repeat fraud.

Ongoing Monitoring

Always stay ahead of risk

Ongoing MonitoringPortfolio Monitoring

Instantly track sanctions, fraud, adverse events, and entity changes via configurable, real-time alerts.

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