Built by someone who’s seen both sides of credit — for everyone stuck on one.

The gap, in one sentence.

When a lender looks at your credit card statement, they see a story. Patterns, signals, ratios — all run through scoring models built over decades. You see a number on a screen and a yes or no. That’s the gap.

LendLens reads the same signals lenders read — your utilisation, your APR cost, your payment patterns — and explains in plain English what they actually mean. With a plan that’s specific to your numbers, not generic advice. So you can walk into any credit application knowing exactly where you stand.

A decade on both sides of the credit desk.

LendLens was founded by Tope Akande, who’s spent over ten years inside banks on two continents — from emerging markets across Africa to UK retail banking, including time at Barclays.

That contrast is the origin story. Tope saw how credit systems work for people with strong files and established records, and how they fail people who are newer to the country, newer to the system, or just don’t have the visibility that more established borrowers take for granted. Same models. Wildly different outcomes.

The insight: the data that decides your application is right there — in your statement, your payment history, your utilisation rate. It just needed to be decoded and handed back to you. In plain English. With a plan.

LendLens is built under BucksTrybe Ltd, which holds FCA PSD Agent approval and is SEIS/EIS approved for UK investors. Tope took part in the FCA’s Financial Inclusion TechSprint, which reinforced the core idea: the UK’s credit system needs a consumer-side intelligence layer — and nobody has built it yet.

Built for you. Not for the lender.

Most credit tools are built on top of lender data, and they make their money sending you to lenders. That’s a conflict, even if it isn’t obvious. Our money comes from people who upgrade to a paid plan — full stop. So our incentive is to help you understand and improve your position. There’s no third party in the room.

That’s why:

• We read your actual statement. Not bureau data, not a score — the same numbers a lender reads, with the same weight.
• We give you specific actions, in pounds, on a calendar. Not “pay on time and check your score.”
• We delete your statement the moment we’re done. The PDF is gone in seconds.
• We don’t sell your data. And we never earn a penny from a lender for sending you their way.

Backed by people who know this space.

LendLens benefits from advisers and mentors with deep experience across UK financial services, credit, and fintech.

Among them is Phil Webster — a fractional COO and business adviser through Pragmatiks Consulting, with a global network across credit referencing, financial services, and technology. Phil is also a business mentor on The Prince’s Trust Enterprise programme.

We engage regularly with the FCA, the Open Banking ecosystem, and the wider UK fintech community — because operating inside the rules is how we stay on your side.

Say hello.

Got a question, a story, or a partnership idea? Drop us a line. We read every email.