OakNorth

OakNorth is a UK-based commercial bank and business-lending institution founded in 2015, providing debt financing to mid-market and lower-mid-market businesses in the UK and, through its New York team, the United States. Its products span business loans (from roughly GBP 1m to tens of millions), commercial real estate lending, commercial & industrial cash-flow financing, fund finance, and business and personal savings accounts. OakNorth is backed by the SoftBank Vision Fund. It publicly exposes no developer API, open-banking API, or developer portal; its public technical surface is limited to a HackerOne responsible-disclosure program and standard web/legal properties. This profile was enriched by the API Evangelist pipeline.

OakNorth is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Lending, and Commercial Real Estate.

OakNorth’s developer surface includes engineering blog, support, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.1/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Banking Lending Commercial Real Estate Business Banking Savings SME Finance

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 11.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/oaknorth: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 2

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

Oaknorth Domain Security

TLSv1.3 · DMARC

SECURITY

Oaknorth Vulnerability Disclosure

Hackerone

SECURITY

Resources

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Source (apis.yml)

aid: oaknorth
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/oaknorth.png
name: OakNorth
description: OakNorth is a UK-based commercial bank and business-lending institution founded in 2015, providing debt financing
  to mid-market and lower-mid-market businesses in the UK and, through its New York team, the United States. Its products
  span business loans (from roughly GBP 1m to tens of millions), commercial real estate lending, commercial & industrial cash-flow
  financing, fund finance, and business and personal savings accounts. OakNorth is backed by the SoftBank Vision Fund. It
  publicly exposes no developer API, open-banking API, or developer portal; its public technical surface is limited to a HackerOne
  responsible-disclosure program and standard web/legal properties. This profile was enriched by the API Evangelist pipeline.
url: https://raw.githubusercontent.com/api-evangelist/oaknorth/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- softbank-vision-fund
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Banking
- Lending
- Commercial Real Estate
- Business Banking
- Savings
- SME Finance
apis: []
common:
- type: VulnerabilityDisclosure
  url: security/oaknorth-vulnerability-disclosure.yml
- type: Security
  url: https://oaknorth.co.uk/responsible-disclosure-policy/
- type: DomainSecurity
  url: security/oaknorth-domain-security.yml
- type: Website
  url: https://oaknorth.co.uk
- type: About
  url: https://oaknorth.co.uk/about/
- type: Blog
  url: https://oaknorth.co.uk/blog/
- type: Support
  url: https://oaknorth.co.uk/contact-us/
- type: PrivacyPolicy
  url: https://oaknorth.co.uk/legal/privacy-notice/
- type: TermsOfService
  url: https://oaknorth.co.uk/legal/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 2
  pass: local-v1

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