Startup profile · funding coverage
Planky funding, valuation and investors
BKN301-owned Open Banking and AI credit-decisioning platform for lenders.
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Funding, valuation & investors
Answer-first snapshotLatest funding
Venture financing (stage undisclosed)
€6.9M · November 10, 2026
Latest known valuation
Not publicly disclosed
Total disclosed equity funding
Not publicly disclosed
Excludes debt, grants, acquisitions, secondaries, and IPO proceeds.
Current status
acquired
Stage not recorded · London, United Kingdom
Investors in latest funding
Lead: Innovation Global , Azimut Venture Capital Digitech Europe
Overview
London-based Planky, formerly FriendlyScore, aggregates transactional banking and payment data for income verification, spending analysis and risk decisions. BKN301 Group acquired it in November 2025. On November 10, 2026, Planky announced €6.9M financing co-led by Innovation Global and Azimut's Digitech Europe strategy to develop AI underwriting and predictive risk tools.
Why Planky is interesting
BKN301 Group announced €6.9M new financing for its Planky subsidiary on November 10, 2026. The announcement does not identify a conventional seed/Series A label or valuation; BKN301's own older financing must not be attributed to Planky.
Product & use cases
A lender or fintech requests permission to access an applicant's open-banking data, Planky ingests transaction and account streams plus eligible statements and payment-service-provider data, standardizes and categorizes spending/income, generates risk and affordability signals, and passes assessments to a lender's workflow for approval, referral or decline. Predictive monitoring and AI-driven recommendations are expansion intentions rather than publicly audited credit-risk outcomes.
- Digital lender assesses income stability from consented transaction data.
- Embedded-finance provider routes applications to human review when risk signals are insufficient.
- Bank monitors payment inflows and cashflow anomalies with appropriate compliance oversight.
Key facts
- November 10, 2026: €6.9M financing; round instrument and traditional Series stage not disclosed.
- Innovation Global and Azimut Venture Capital Digitech Europe are cited as co-leads; SM Capital and FNDX are advisers, not automatically financing participants.
- BKN301 acquired Planky in November 2025; parent financing must not be assigned to the subsidiary.
Funding history (newest first)
Venture financing (stage undisclosed)
2026-11-10 €6.9M- Innovation Global (lead)
- Azimut Venture Capital Digitech Europe (lead)
Source: Read source · bkn301.com
Competitive landscape
Planky competes at the transaction-data and AI decision-support layer, and can complement rather than fully replace incumbent credit bureaus. The limits: customer consent, regional Open Banking coverage, explainability, financial-regulator expectations, false approval/rejection rates and availability of lender validation statistics. The company did not disclose pricing or verified default-loss improvements.
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Tink adjacent
Open Banking connectivity and data enrichment.
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Plaid adjacent
Bank connectivity and identity/income products.
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Experian incumbent
Credit bureau data and lending decision platforms.
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Credit Kudos alternative
Open Banking-based credit assessments and affordability.
Market / IPO context
Editorial / static context — not a live quote.
FAQs about Planky
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