PathFi
Chart your path to finance.
PathFi helps SMEs understand their finance readiness, identify areas requiring attention and prepare for a more informed debt-finance journey.
The Challenge
Accessing finance should not begin with uncertainty
SMEs can find it difficult to determine whether they are ready to seek finance, what information finance providers may require and which funding pathways may be relevant.
Fragmented financial information, incomplete documentation and complex application journeys can make that process harder to navigate.
PathFi is being developed to make finance preparation clearer, more evidence-led and easier to navigate.
Finance Readiness Check
Start with a clearer view of your finance readiness
The PathFi Finance Readiness Check uses permissioned business information to help an SME understand its current position before approaching a finance provider.
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Understand your position
Review relevant cash-flow evidence, trading patterns, existing commitments and funding objectives.
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Identify readiness gaps
See which information, documents or explanations may require attention.
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Receive understandable guidance
Understand what the available evidence indicates and identify practical next steps.
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Build a reusable profile
Progressively develop a permissioned Digital Business Finance Profile that can support future funding journeys.
How PathFi Works
A clearer path from funding goal to informed preparation
DefineConnectAssessPrepareShare
The steps below describe the intended PathFi journey. Data connections, pathway exploration and information sharing are being designed and are not yet operational.
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Define the funding goal
Tell PathFi how much finance the business is seeking, why it is needed and when it may be required.
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Connect with permission
Choose which business information PathFi may access and understand how it will be used.
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Assess finance readiness
Review evidence-led observations, limitations and areas that may require further attention.
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Prepare and explore
Strengthen the Digital Business Finance Profile and explore potentially relevant debt-finance pathways.
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Share selectively
Choose what information to share with an appropriate finance provider, adviser or authorised partner.
Vision
From finance readiness to better navigation
The Finance Readiness Check is intended to provide the starting point for a broader PathFi journey, connecting preparation, guidance and selective information sharing.
Intended capabilities. The full platform is not currently live.
Understand
- Finance Readiness Check
- AI-supported explanations and guidance
Prepare
- Digital Business Finance Profile
- Application Readiness Plan
Navigate
- Relevant debt-finance pathways
- Permissioned information sharing
Over time, PathFi is intended to support SMEs and advisers through an accessible application, enable appropriate partner integrations and help prepared businesses navigate towards relevant finance providers.
Progress
Building the PathFi demonstrator
PathFi is currently developing an early framework demonstrator centred on the SME Finance Readiness Check.
Using synthetic SME data, the demonstrator will show how permissioned financial information could support explainable readiness observations, practical preparation guidance, an evolving business finance profile and selective information sharing.
The current phase is focused on product development and validation with SMEs, advisers and finance-sector participants.
- Framework defined Completed
- Demonstrator in development Current stage
- Synthetic-data testing Next stage
- Stakeholder validation planned Planned
Interested in PathFi?
We welcome conversations with SMEs, accountants, business advisers, finance providers, Open Finance specialists and potential technology partners.
PathFi is currently seeking conversations that can inform the development and validation of its initial demonstrator.