OakNorth
OakNorth is a UK-based commercial bank and business-lending institution founded in 2015, providing debt financing to mid-market and lower-mid-market businesses in the UK and, through its New York team, the United States. Its products span business loans (from roughly GBP 1m to tens of millions), commercial real estate lending, commercial & industrial cash-flow financing, fund finance, and business and personal savings accounts. OakNorth is backed by the SoftBank Vision Fund. It publicly exposes no developer API, open-banking API, or developer portal; its public technical surface is limited to a HackerOne responsible-disclosure program and standard web/legal properties. This profile was enriched by the API Evangelist pipeline.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles OakNorth the way a machine reads it — 2 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — OakNorth scores 18.1/100 (emerging), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile OakNorth
Each block below is one kind of artifact we hold for OakNorth. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for OakNorth — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/oaknorth · machine-readable index on apis.io