Grow your lending portfolio with Xero
Access real-time financial data from up to five million small businesses. Make smarter, faster lending decisions and reach more customers by connecting with Xero*.
Why partner with Xero
Improve the lending application experience
Streamline application, underwriting, and decision-making workflows using Xero’s secure APIs.
Deepen your underwriting assessment
Gain deeper performance insights when your customers share access to their Xero accounting data.
Enhance portfolio reporting and monitoring
Stay connected with continuous insights into your customers’ cash flow and financial health to track loan performance.
Smarter business lending starts in Xero
Use financial data from Xero’s APIs to build multiple lending products.
Business term loan
Traditional business lending with more flexible terms.
Invoice finance
Short-term financing based on outstanding invoices.
Business credit cards
Provide more reliable credit facilities for day-to-day operations.
Cash flow finance
Financing solutions to support business cash flow management.
I had a fantastic experience working with the Xero team to build [a] lending integration to their platform. The Xero team are knowledgeable, dynamic and always looking for innovative ways to support their customers. With our Cash Connector product now launched, it's a seamless experience for Xero customers, who can now apply for and manage their ScotPac finance facility via the Xero integration.
Ben Cutler, Chief Customer and Marketing Officer, Scottish Pacific.
From application to decision. Faster.
Xero customers can choose to share their data with lenders, giving them more confidence to lend money.
Apply
Customer applies for a loan on lender website.
Connect
Customer consents to share their Xero data digitally with the lender seamlessly.
Verify
Lender performs data quality checks before applying their model.
Access
Lender applies their credit model on the financial statements.
Decide
Approve/decline application.
Choose the APIs that fit your lending needs*
Accounting API
A general-purpose data product, providing access to fundamental business information, from journal entries to granular invoice-level records.
BankFeeds API
Creates the association between a bank account in Xero and a bank account at a financial institution. This supports reconciliation and reporting by getting statement lines into Xero for users to reconcile their most up to date position.
Finance API
Built specifically for business lenders, the Finance API delivers easy-to-use, rich data for the underwriting assessment, increasing lender confidence in customer accounting records.
Xero's data and insights enable us to simplify our user experience and make our financial offerings more accessible to SMEs of all sizes, ironing out many of the pain points faced by business owners looking to solve their cash flow challenges. In the 7+ years we've been working with Xero, they have invested and innovated with a consistent focus on solving real problems faced by businesses, and given us the APIs and developer support we need to make Satago a class-leading product. The growth of the Xero community and wider ecosystem is a great testament to that ethos.
Rob Mills, Chief Operating Officer, Satago.
Why Xero
5+ million subscribers
Access a global network of small businesses, accountants, and bookkeepers managing their finances on Xero.
Trusted global ecosystem
Join leading financial institutions, fintechs, and over 1,000 certified app partners building on Xero’s platform.
Financial data straight from the small business
Get standard, structured financial data direct from the customer’s core accounting records and direct bank feeds.
Build a lending integration with Xero
Join leading lenders partnering with Xero to help small businesses access capital faster.
*Please note that access to Xero’s APIs is not guaranteed. All partner integrations and API access requests must be individually reviewed and approved by Xero, subject to eligibility criteria and compliance requirements.
FAQs
You'll access our Accounting API, BankFeeds API, and Finance API for lending. You can find more information on Xero APIs on the Xero Developer website. Our Partner Integrations team is available to discuss our solutions.
You'll access our Accounting API, BankFeeds API, and Finance API for lending. You can find more information on Xero APIs on the Xero Developer website. Our Partner Integrations team is available to discuss our solutions.
A comprehensive set of accounting records ranging from financial statements to journal entries since inception. Bank statements via the BankFeeds API. Data points designed to support businesses in their lending applications, including data about a business's usage of Xero, sources of transactions, financial statements, and bank transaction data.
A comprehensive set of accounting records ranging from financial statements to journal entries since inception. Bank statements via the BankFeeds API. Data points designed to support businesses in their lending applications, including data about a business's usage of Xero, sources of transactions, financial statements, and bank transaction data.
Xero customers can choose to share their data with lenders, giving them more confidence to lend money. After you've explained to the customer how you'll use their data, they're sent to Xero's OAuth screen to give consent before any data is shared. Once the customer allows access, you can access their data on an ongoing basis. They can disconnect you at any time in their Xero settings.
Xero customers can choose to share their data with lenders, giving them more confidence to lend money. After you've explained to the customer how you'll use their data, they're sent to Xero's OAuth screen to give consent before any data is shared. Once the customer allows access, you can access their data on an ongoing basis. They can disconnect you at any time in their Xero settings.
You’ll need to sign a contract to access data for financial products and services. The fees you pay will depend on the scopes that you access.
You’ll need to sign a contract to access data for financial products and services. The fees you pay will depend on the scopes that you access.
Integration timeline depends on which APIs you're implementing (Accounting, BankFeeds, Finance), which data scopes you need, and your existing technology stack. Our Partner Integrations team is available to discuss your integration design.
Integration timeline depends on which APIs you're implementing (Accounting, BankFeeds, Finance), which data scopes you need, and your existing technology stack. Our Partner Integrations team is available to discuss your integration design.
Yes, you can access historical accounting data from when the customer started using Xero through to the latest data input.
Yes, you can access historical accounting data from when the customer started using Xero through to the latest data input.
Yes, we clearly define and control data access scopes. Data sharing requires the customer’s explicit choice, and lenders must sign a contract for data access related to financial products and services.
Yes, we clearly define and control data access scopes. Data sharing requires the customer’s explicit choice, and lenders must sign a contract for data access related to financial products and services.