Transforming an API into a Scalable Lending Platform
Chris Godby
Caboodle are small enough to provide exceptional personal service and flexibility but able to deliver all of the expertise and skills that one would expect from a big, expensive design agency.
Ledgerscope, the UK's leading accounting API provider, identified a critical market opportunity: business lending remained trapped in manual processes, spreadsheets, and email chains. They partnered with us to transform raw API capabilities into an accessible solution that would reshape the lending landscape:
Turning an API into a scalable product
Converted complex accounting API data into an intuitive product experience for non-technical lending professionals
Developed a comprehensive design system that enabled rapid scaling across multiple financial use cases
Provided strategic guidance that bridged technical capabilities with real-world lending workflows
Our collaboration didn't just deliver a new interface—it created a streamlined pathway for businesses to access capital, dramatically reducing decision times and administrative overhead for lenders across the UK.
Encourage adoption
To encourage product adoption, the first step is to show value in under 120 seconds. With only a few clicks the customer (loan brokers in this case) can instantly see the power of the platform with an example demo company.
One-click to add a customer
The old way meant sending emails, gathering documents and a lot of back and forth. We replaced this with a one-click UX to quickly get a customer into the system.
Easy access granting
The business customer that wants a loan then grants access to their accounting data. The UX had to cover when the broker did and didn't know which accounting software their customer would be using. We therefore made it super simple to choose and then grant access.
Broad overview
Once granted access, the loan broker has instant insight into the financial health of the business asking for the loan. For some this is enough to make a decision.
Optional granular detail
For more in-depth use cases, the broker could go into great detail and look to the bill and invoice level. We made spotting red flags easier with a consistent traffic light system.
See all companies at a glance
This birds-eye view of all companies that have granted data consent gives the broker a single place to manage their customers.
Easy upgrade path
For scalable growth, we're using a PAYG credit system and provide an easy upgrade path for regular users. This is transparent and scalable, showing plenty of value upfront before they decide to commit.
In depth hand-off and scalable design assets
To ensure future consistency at scale, we provided a robust design system and detailed documentation as part of hand-off.
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Posted Dec 18, 2025
Transformed an accounting API into a user-friendly platform for lending professionals.
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