Two surfaces. One credit
infrastructure platform.
Credit Progression Suite
Embed Kikoff's consumer financial health stack directly into your product. White-labeled, modular, and API-first.
Credit Infrastructure
Productized bureau operations and decisioning infrastructure — built for lenders, credit unions, and fintechs.
Built for businesses
serving the underserved.
A credit benefit your drivers will actually use.
Gig workers are among the most financially underserved — often credit-invisible, with no path to a mortgage or car loan. Offer Kikoff Enterprise credit building as a driver benefit to improve retention and differentiate your platform.
Add credit infrastructure to your client portfolio.
Your bank and credit union clients want to offer more to their members — but building credit infrastructure from scratch is slow and expensive. Kikoff Enterprise gives you a turnkey layer to resell or embed as part of your platform.
The infrastructure stack for modern credit operations.
Whether you're a credit union offering credit building to members, or a lender needing automated bureau furnishing and dispute management — Kikoff Enterprise handles the hard, compliance-heavy work so your team doesn't have to.
From contract to live
in as little as two weeks.
Integrate once
Connect to the Kikoff Enterprise API in days, not months. Our unified REST API covers enrollment, furnishing, disputes, and more.
Configure your product
Choose which modules you need. White-label the member experience to match your brand completely.
Go live in as little as two weeks
Our team handles bureau setup, compliance, and onboarding. Most partners go from contract to live in as little as two weeks.
We handle the rest
Account servicing, bureau reporting, dispute resolution, and compliance — all managed by Kikoff so your team stays focused.
# Enroll a member in credit building curl https://sandbox.enterprise.kikoff.com/v1/members/enroll \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"product": "credit_building",
"white_label": true
}' # Response: 201 Created {
"account_id": "acct_xyz789",
"status": "active",
"bureau_reporting": ["equifax", "experian", "transunion"]
}
Battle-tested credit
infrastructure, as a service.
Proven at scale
1M+ active members. We've operated this infrastructure in production — it's not a new venture.
Bureau relationships, done
Established data furnisher agreements with all three major bureaus. Skip months of bureaucratic setup.
Compliance-first
FCRA, ECOA, and state-level compliance built in. Our legal and ops teams handle the regulatory complexity.
True white-label
No Kikoff branding in the member experience. Your product, your brand, your relationship.
Not just an API
Full account servicing, dispute handling, and bureau ops included. We run the whole program.
Mission alignment
We built Kikoff to serve the underserved. That's not marketing copy — it's our founding DNA.
Let's build
together.
Whether you're launching a credit benefit for gig workers, embedding credit tools into your platform, or modernizing credit operations — we'd love to learn about your use case.