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
18.1/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyFintechBankingLendingCommercial Real EstateBusiness BankingSavingsSME Finance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 18.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.4 / 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/oaknorth: 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 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)

apis.yml Raw ↑ 
aid: oaknorth
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: '0.20'
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