← Embedded Finance Index 2026

ClearScore

“Can a free-credit-score consumer app become the embedded credit-matching layer behind every UK retailer and financial brand?”

Founded2015
HQLondon, United Kingdom
FoundersJustin Basini, Nigel Morris, Dan Cobley
Total raised$200M+ (disclosed)
Latest roundGrowth investment, 2021
Valuation$700M (2021)
IndustryFintech / Credit marketplace

The story

Founded 2015 as a free-credit-score consumer app in the UK, ClearScore evolved into a lead-generation marketplace for credit cards, loans and car finance, earning commission from a panel of 150+ lenders. Added open-banking-powered affordability scoring and the Protect/Protect Plus identity-protection subscription. In 2025 the company launched ClearScore Everywhere, repositioning its credit-matching platform as embedded infrastructure that partners like Asda and Co-op can embed into their own apps — a shift from pure D2C to a B2B2C marketplace model.

Last 12 months

2025-07

Launched ClearScore Everywhere embedded finance proposition with partners including Asda and Co-op.

Product timeline

2015

ClearScore founded in London, offering free credit scores and reports to UK consumers.· launch

2017

Launched credit marketplace, earning commission from referrals to card and loan providers.· lending

2021

Raised $200M from Invus Opportunities at a $700M valuation to fund international expansion.· funding

2024

Surpassed 20M users across the UK, South Africa, Australia, Canada and New Zealand.· milestone

2025

Launched ClearScore Everywhere, a B2B2C embedded finance proposition letting retailers and FS partners embed credit matching.· pivot

Acquisitions

Aro Finance

ClearScore's embedded finance entity was formerly known as Aro Finance Limited, now ClearScore Everywhere Limited.

Regulated entities

regulatory licences held by ClearScore

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

1 layer disclosed in ClearScore’s embedded-finance stack

Lending

ClearScore Everywhere (in-house marketplace)ClearScore marketplace (credit cards, loans, car finance)ClearScore Everywhere (embedded B2B2C credit marketplace)Mortgage brokingOnline debt consolidation service

Accounting gap: none

ClearScore — frequently asked

Who provides ClearScore's lending?

ClearScore's lending and capital products are provided by ClearScore Everywhere (in-house marketplace).

Who founded ClearScore?

ClearScore was founded by Justin Basini, Nigel Morris and Dan Cobley and is founded in 2015, headquartered in London, United Kingdom.

How much funding has ClearScore raised?

ClearScore has raised $200M+ (disclosed) in total (latest round: Growth investment, 2021; valuation: $700M (2021)).

What companies has ClearScore acquired?

ClearScore's acquisitions include Aro Finance.

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