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Lightning Reach Budget Checker

BUDGET CHECKER

Turn budget assessments into real support.

Help customers complete income and expenditure, or ability-to-pay assessments quickly, access personalised support, and take positive steps towards financial stability - all in one simple journey.

Built for utility providers, local authorities, housing associations and other support organisations.

Why it works

Traditional affordability journeys are slow, repetitive, and disconnected from actual support.

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The Budget Checker is one, positive journey that makes it easier for people to engage by combining affordability checks with access to real financial help.

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Engagement, not enforcement

Traditional I&Es see high drop-off; we drive completion through positive support.

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Assessment to action

Most tools stop at affordability; we connect users directly to 2,500+ support schemes.

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One data capture, multiple outcomes

Reuse affordability and vulnerability data across organisations.

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Commercial impact, not just process

Drives engagement, reduces cost to serve, and improves repayment outcomes.

More than an affordability checker

Most affordability tools stop at assessment.

 

The Budget Checker helps people move forward by connecting them directly to support and onward pathways.

Step 1: Complete an affordability check

A quick, guided journey designed with customers to reduce friction and drop-off.

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Step 2: Get matched to support

Step 3: Apply for support

Customers access personalised grants, debt advice, bill support, and wider financial help from over 2,500 schemes.

Customers share info once. No repeated forms. No starting again with different organisations.

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Better for customers. Better for organisations.

For organisations

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More debt recovered

Higher engagement rates

Better quality affordability data

50% reduction in admin time

Seamless support referrals to other organisations

For customers

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Simple and easy to complete

 

Mobile-friendly and accessible

 

No repeating information

Clear next steps

 

Empowered to find their own support via self-serve

Budget Checker Lightning Reach

See it in action

Intuitive interface, built for scale.

Guide customers through affordability checks with a clean, user-friendly design that reduces friction.

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Fast completion

Low-friction, simple journey

Secure & compliant

Enterprise-grade security

Open-banking enabled

Comprehensive pre-validated data

Works alongside existing systems

Low effort implementation

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Outcomes that matter

96.8%

of customers self-serve to support

78%

of customers use Open Banking

£25m+

awarded to customers

325k+

customers supported

Help customers complete budget checks - and access support sooner.

Improve engagement, reduce admin, and create better outcomes for customers and teams alike.

Complete your details below and our team will be in touch.

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