ClearScore, a global credit platform, has partnered with Stream, a Workplace Finance provider, to integrate automated debt consolidation technology into Stream’s workplace lending offering, making debt repayment more structured and less reliant on borrower behaviour.
The partnership will see ClearScore’s “Clearer” technology embedded into Stream’s Workplace Loans product, automatically directing consolidation loan funds towards the repayment of existing debts. The aim is to reduce instances where borrowers receive funds but fail to fully settle outstanding liabilities, a known challenge in debt consolidation products.
Clearer is designed to ensure consolidation loans are used as intended by automatically allocating funds to clear existing credit obligations at the point of origination. Once deployed, borrowers will move from multiple unsecured debts to a single structured repayment plan, with repayments deducted via payroll through Stream’s employer-based financial platform.
Stream operates as a Workplace Finance platform providing financial tools to around four million workers across 2,000 employers globally. Its services include access to earned wage tools, savings products, budgeting support, financial education and credit access delivered through employer channels.
The integration of ClearScore’s technology will initially support approximately three million UK employees who already have access to Stream’s platform. Backing from Fair4All Finance will support the rollout, with the partnership positioning workplace payroll as a mechanism for improving repayment discipline and reducing financial harm linked to unsecured borrowing.
ClearScore said internal analysis shows that a significant proportion of consolidation borrowers do not fully allocate funds to debt repayment, increasing the risk of arrears and worsening financial outcomes. By automating repayment at source, the Clearer system aims to remove that behavioural risk from the process.
The partnership also forms part of ClearScore’s broader strategy to embed its debt consolidation infrastructure directly into lending journeys across its partner ecosystem. The company has previously processed more than £40m in payments through Clearer-enabled loans and is expanding adoption through lender and embedded finance partnerships.
For lenders, the Clearer system is positioned as a mechanism to improve underwriting visibility and reduce default risk, while also supporting regulatory expectations around customer outcomes and responsible lending frameworks.
ClearScore Group chief commercial officer Tom Markham said, “Debt consolidation can be a powerful tool for people trying to manage multiple repayments, but historically there has been no guarantee that funds are used to pay down debt. Clearer solves that problem by automating repayment at source. Partnering with Stream means we can bring this technology to workers through their employers, with the consolidated loan repaid through payroll and simplifying the process.”
Stream chief credit officer Geoff Thiessen added, “Debt consolidation should be a supportive tool for people under financial pressure, but the data shows that without proper safeguards, it can add to the problem rather than solving it. Clearer changes that completely. By automatically settling existing debts as part of the loan process, and with repayments aligned with payroll, workers get a safer, simpler path out of debt. This partnership with ClearScore is exactly the kind of innovation which demonstrates what fair credit can and should look like, and we’re excited to be the first to deliver it through the channel of the employer.”
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