Bankuish creates a proprietary credit score for gig workers and freelancers by aggregating their work history and banking data, enabling banks to assess their creditworthiness. The weekly-updated score powers a personalized recommendation engine that matches users with eligible loans, credit cards, and insurance products, while a dashboard and educational tools help them improve their financial profile.
Funding
$4.7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
PA+1Founders
Product
Problem
Gig workers and freelancers often lack traditional credit histories, making it difficult for banks to assess their creditworthiness and approve loans, credit cards, or insurance. Without a recognized credit score, these workers are excluded from many financial products they need to grow their businesses and personal finances.
Solution
Bankuish converts work history and reputation data from gig platforms and bank accounts into a proprietary credit score that banks can use for underwriting. Users link their gig and banking accounts, and the platform updates their Bankuish Score weekly based on income consistency, payment behavior, and other reputation signals. The app then matches users with personalized financial product offers that they are likely to qualify for, reducing the need to apply to multiple lenders. A built-in dashboard tracks score changes over time and highlights factors influencing the score, while an assistant provides educational mini‑courses to help users improve their financial standing and unlock additional offers.
Target Audience
Bankuish primarily serves gig economy workers, freelancers, and independent contractors who need a credit profile to access mainstream financial products.
Features
- Secure connection to gig platform accounts and traditional bank accounts for data aggregation
- Weekly automated calculation of the Bankuish Score reflecting income stability and reputation metrics
- Personalized product recommendation engine that surfaces eligible loans, credit cards, and insurance offers
- Progress tracking dashboard showing week‑over‑week score trends and key influencing factors
- Financial assistant with mini‑courses and actionable tips to improve the score and access better offers
- Data sharing framework that delivers the Bankuish Score to partner banks in a standardized format