Responsible growth in new segments
Enabling proactive servicing of borrowers with less predictable finances.
The Adaptive Engagement Layer for Consumer Credit
Personalised, flexible & intelligent repayment experiences
Inflexible payment methods and poor digital experiences drive missed repayments, rising arrears and bad outcomes. haboo turns unpredictable incomes into predictable returns.
£2bn
Un-captured demand
Higher
Cure rates
Lower
Bad-debt provisions
Fairer
Consumer outcomes
Trusted by forward-thinking lenders
Northlend
Vela Credit
Orbit Finance
Northlend
Vela Credit
Orbit Finance
Problem → Platform
Built for growth — on both sides of the ledger
One engagement layer that adapts to how people really earn and repay, while giving lenders the signals to grow responsibly.
For your customers
Repayment that flexes with real life
Dynamically adapts repayment schedules to income flow.
Drives proactive digital engagement, preventing default.
For you
Signals that let you lend with confidence
Use open banking and engagement data to predict risk before default.
Powers improved lending decisioning, enabling access to underserved segments.
Why lenders choose haboo
Better outcomes, measured five ways
Improve collections performance
Better cure rates, reduced bad-debt provisions and fewer missed repayments.
03
Champion consumer duty
A fairer, more flexible solution for your customers.
04
Lower operational costs
Reduce the burden created by missed payments.
05
Richer customer insights
Dynamic reporting on behaviour and engagement metrics.
Whitepaper
Turning unpredictable incomes into predictable returns
How lenders can modernise operational infrastructure to capture the £2bn un-captured demand of the UK's flexible workforce.
Download the whitepaper
Backed by Techstars ’25
Built with conviction. Backed by Techstars 2025.
haboo joined the Techstars ’25 cohort — pairing world-class mentorship and capital with our mission to build the adaptive engagement layer for consumer credit, helping borrowers repay flexibly and lenders recover more.
2025Techstars cohort
Consumer creditFocus
UKHeadquarters
haboo gave us a way to keep customers engaged and repaying through income shocks — our cure rates went up and difficult conversations went down.
See haboo working on your book
Book a demo and we'll show how adaptive engagement lifts recovery while improving outcomes for your customers.