Algoan and RocketFin both use bank data: Algoan through an open banking connection, RocketFin by reading PDF bank statements with OCR. Their positionings differ: Algoan is primarily oriented towards consumer credit and retail, while RocketFin is specifically built for B2B solvency scoring of VSEs/SMEs.
Algoan is a French fintech specialising in open banking credit scoring. Its platform analyses the bank flows of individuals and businesses to produce enhanced credit scores, primarily used by consumer credit organisations, fintechs and banking institutions.
RocketFin is built for teams that need a decision in as little as 60 seconds, on fresh data (bank statements + up-to-date financials), with an explainable score delivered with a PDF report. If you are evaluating Algoan, this factual comparison gives you the elements to decide based on your constraints.
| Criterion | RocketFin | Algoan |
|---|---|---|
| Target market | Leasing professionals, B2B fintechs, banks — B2B solvency scoring | Individuals + businesses; strong consumer credit positioning |
| Bank data analysis | Yes | Yes — core product |
| Accounting + legal + extra-financial sources | Yes — 4 cross-referenced sources | Primarily banking data |
| Physical document OCR + documentary fraud filter | Yes — built into the engine | Not publicly documented |
| Explainable PDF report | Yes — auditable | Not publicly documented on this criterion |
| French hosting | Yes — Scaleway | French company; infrastructure location not published in detail |
| White-label / rebranded webapp | Yes | Not publicly documented |
| Scoring without bank connection (SIREN only) | Yes | No — open banking is required |
| Commitment | No-commitment option (cancellable monthly) or annual plan | Not publicly disclosed — annual or multi-year contracts are common in the sector |
Comparison based on publicly available information. RocketFin data verified.
Analysis from 60 seconds on fresh data: bank statements + up-to-date financials, not a report that is 18 months old.
Explainable and auditable solvency score 0-100 — every factor is justified, explainable PDF report.
Client data hosted in France by Scaleway (Paris region) — no client data leaves the European Union.
REST API with OpenAPI documentation, API key generated instantly
White-label: a fully rebranded web app or API embedded directly in your business tool.
Integrated OCR reading of physical documents — statements, paper balance sheets — with documentary fraud filter built into the scoring engine.
Ability to score companies with limited accounting history (young structures, SMEs without a complete balance sheet) by cross-referencing 4 complementary sources.
Request a demo on your own files — no commitment, scoring in as little as 60 seconds.
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