# OakNorth

**Canonical:** https://apis.io/providers/oaknorth/  
**Website:** https://oaknorth.co.uk  
**APIs profiled:** 0

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.

## Kin Score — 11.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 25.3 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Oaknorth Domain Security** — TLSv1.3 · DMARC
- **Oaknorth Vulnerability Disclosure** — Hackerone

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/oaknorth/). Scores are computed from the provider's own public artifacts under a published rubric.