RealScore (Reality Finance) — Twenty-five years of manual brokerage expertise digitised into a serverless, FCA-aligned SaaS credit scoring platform.

Reality Finance's manual brokerage model was limiting scale. Experienced underwriters spent hours qualifying each SME, pulling credit data manually, and producing quotes that could not be delivered at speed or volume. The business needed to digitise their proprietary scoring methodology without losing the accuracy and judgement that underpins every decision.

• Serverless SaaS scoring engine — Lambda-based algorithm digitising the three-factor lending model: years trading, net worth, business growth
• Real-time Credit Safe integration for live business credit snapshots during the scoring process
• Asynchronous Credit Safe verification on Amazon SQS — longer-running checks run in the background without blocking the applicant journey
• Interactive SME dashboard with approval likelihood indicators, borrowing power assessments, and self-service quoting tools
• FCA-aligned data architecture — AWS KMS encryption, VPC isolation, Amazon RDS Proxy connection pooling, and AWS WAF with Amazon CloudFront at the edge
• Bi-directional FileMaker CRM integration with Amazon SES notifications — keeping records and applicants in sync throughout the application lifecycle

• Worked with Reality Finance underwriters to digitise the proprietary three-factor scoring logic into a serverless Lambda-based algorithm.
• Built real-time Credit Safe API integration to retrieve live business credit data during the scoring process.
• Implemented asynchronous Credit Safe verification on Amazon SQS — credit checks and CRM updates run in the background without blocking user journeys.
• Built the SME-facing dashboard with approval likelihood indicators, parameter adjustment tools, and self-service quote generation.
• Implemented hardened AWS infrastructure: VPC with private subnets, Amazon RDS Proxy connection pooling, AWS WAF and Amazon CloudFront at the edge, and AWS KMS encryption throughout.
• Integrated Companies House for company verification and configured immutable financial records with AWS Backup for automated recovery points across Amazon RDS and Amazon S3.

• 99% quote accuracy achieved — digital assessments match final broker terms with near-perfect consistency.
• SMEs now receive borrowing power assessments in real time — no manual underwriter involvement for qualification.
• Real-time Credit Safe integration live — underwriters see live credit data during every assessment.
• FileMaker CRM sync operational — no more manual data entry between systems.
• FCA and GDPR-aligned data architecture in place — long-term retention, immutable records, and audit trails throughout.
• Platform ready for multi-tenant expansion and Marketplace distribution.