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automated in
real time

Simplify credit processes with improved speed, efficiency and reduced risk.

Timely lending solutions for businesses

engage your business customers

thirdstream’s onboarding ecosystem supports financial institutions’ spectrum of lending needs. Bringing together a network of data repositories and third-party verification providers, We extend the retail and commercial deposit account opening environments to lending.


thirdstream’s repositories enable credit analysis with built-in credit scoring directed by clients’ policies and risk tolerances. 

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what we do

thirdstream incorporates AI-powered and fully automated underwriting solutions, building on proven models deployed with leading Canadian financial institutions. Small business customers benefit from a real-time loan application experience, and employees leave behind time-consuming manual processes and inconsistent risk assessment.


We offer a faster digital underwriting experience, embedded within our account opening ecosystem. Clients deploying the model today are experiencing loan book revenue growth, while maintaining risk tolerance levels. 

core values


Streamline lending activities with a single cloud-based environment


Fully cloud-based solution enabling online origination


Rapid deployment across branches, enabling attended origination


A network of data repositories and third-party verification providers

what people say about us

In the News

We’ve had a lot of stories to tell, from an expanding client base, to connecting with new partners, to bringing new solutions to market. 

“I'm a testimonial. Click to edit me and add text that says something nice about you and your services. Let your customers review you and tell their friends how great you are.”

Ryan Fry

Product Designer, Drolo

Building the digital consumer acquisition experience for credit unions, banks and trusts

This white paper outlines specific challenges financial institutions face when launching digital consumer acquisition solutions. We provide an overview of our solutions, answering key questions about the steps required to successfully automate processes, highlighting compliance management, and delivering a rules-driven identity verification platform.

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