Gain Credit website screenshot

Gain Credit

GAIN Credit is a market-leading fintech providing responsible, AI-powered credit solutions for people underserved by traditional banks and lenders. The company combines deep financial expertise with advanced, AI-enabled credit-decisioning technology to offer affordable consumer lending, with funds disbursed within roughly 90 seconds of approval. GAIN Credit operates three consumer lending brands — Lending Stream, Drafty, and Afforda — serving the underserved credit market primarily in the UK, with operations across the US and India. Backed by QED Investors, Crosslink Capital, and Mohr Davidow. This corporate profile publishes no public developer API surface; it was surfaced as a QED Investors portfolio company and enriched by the API Evangelist pipeline.

Gain Credit is profiled on the APIs.io network. Tagged areas include Company, Credit, Lending, Fintech, and Financial Services.

Gain Credit’s developer surface includes engineering blog and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub
7.2/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyCreditLendingFintechFinancial ServicesConsumer FinanceFinancial Inclusion

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 7.2/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.4 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/gain-credit: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Gain Credit Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 6

The organization behind the API

Website
Website
 About
About
 Blog
Blog
 BlogRSS
BlogRSS
 InvestorRelations
InvestorRelations
 Careers
Careers

Source (apis.yml)

apis.yml Raw ↑ 
aid: gain-credit
name: Gain Credit
description: GAIN Credit is a market-leading fintech providing responsible, AI-powered credit solutions for people underserved
  by traditional banks and lenders. The company combines deep financial expertise with advanced, AI-enabled credit-decisioning
  technology to offer affordable consumer lending, with funds disbursed within roughly 90 seconds of approval. GAIN Credit
  operates three consumer lending brands — Lending Stream, Drafty, and Afforda — serving the underserved credit market primarily
  in the UK, with operations across the US and India. Backed by QED Investors, Crosslink Capital, and Mohr Davidow. This corporate
  profile publishes no public developer API surface; it was surfaced as a QED Investors portfolio company and enriched by
  the API Evangelist pipeline.
url: https://raw.githubusercontent.com/api-evangelist/gain-credit/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
- crosslink-capital
- mohr-davidow
x-tier: stub
x-tier-reason: portfolio-lead
x-no-public-api: true
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://gaincredit.com/wp-content/uploads/2025/09/GC-Black-logo-1.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Credit
- Lending
- Fintech
- Financial Services
- Consumer Finance
- Financial Inclusion
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://gaincredit.com/
- type: About
  url: https://gaincredit.com/about/
- type: Blog
  url: https://gaincredit.com/news-events/
- type: BlogRSS
  url: https://gaincredit.com/feed/
- type: InvestorRelations
  url: https://gaincredit.com/investor-relations/
- type: Careers
  url: https://gaincredit.com/join-us/
- type: DomainSecurity
  url: security/gain-credit-domain-security.yml
- type: LLMsTxt
  url: llms/gain-credit-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence