Reinventing SME lending
Our cutting-edge technology and data platform is constantly evolving, enabling more small businesses to access the finance they need to win.
We combine our unique behavioural and performance data from over 150,000 Term Loans and nearly 230,000 FlexiPay transactions with publicly available sources over nearly 15 years to give us a deeper understanding of SMEs.
Our unique capabilities are shaped by:
3x
better risk discrimination
24 hrs
funds in account
77%
instant decision
79
NPS
6 min
application time
Risk model evolution
Building on over ten years’ worth of data, our ninth-generation risk models outperform bureau scores by a factor of three. This allows us to streamline the customer journey and balance risk insights with a frictionless customer experience.
Use of AI
AI is at the core of our lending and we are investing in the transformative potential of Generative AI (“GenAI”) to benefit both our customers and employees.
- We have implemented GenAI tools to enhance employee productivity.
- We are actively exploring further opportunities to streamline and improve the customer experience, from loan origination to ongoing customer service.
- In 2024, we established technical and governance frameworks to ensure the ethical, secure, and effective use of GenAI as we expand its applications in 2025.
2024 highlights: scalable platform with ongoing product releases
- Scalable platform managing 36% loan application growth.
- 100% transaction growth and 3x growth in monthly active users on our app.
- Deployment of improved product features and customer experience such as an increase of 20% engineering productivity. l
- Launch of Cashback credit card and Growth Guarantee Scheme loans.
