Method Financial

Method Financial built an API to connect consumer credit and liability accounts because refinancing required borrowers to manually input financial data across dozens of disconnected systems. ​​‌‌‌‌‌‌‌​‌‌​​‌​​​​​​‌‌​‌‌‌​​​‌‌The problem hit hardest for consumers seeking better loan terms—they faced weeks of paperwork, manual verification, and repeated account logins just to compare options. Lenders and fintech platforms experienced this acutely too, losing qualified applicants during cumbersome application flows. The friction was measurable: refinance completion rates dropped significantly when applications required manual data entry, and average time-to-close stretched to 30+ days. Before Method, alternatives were limited to screen scraping (unreliable and risky), manual document uploads, or partnerships with individual banks that covered only a fraction of accounts. Early validation came when lenders immediately adopted the API to streamline applications, and completion rates jumped noticeably once borrowers could authorize account access with a single click rather than entering data manually. Fintech platforms building refinance products showed strong product-market fit signals by integrating Method within weeks of launch.