Alternative lending
Card issuing built for lenders.
Extend the credit you already provide into a branded card your customers use every day.
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Lending won you the customer. A branded card gives you a daily relationship.
Today, your relationship with your customer runs through the loan. They borrow, then disappear until the next financing decision. A branded card on the credit you already provide gives you a place in how they spend, not only how they borrow. The customers already on your book stay engaged between financing decisions, and yours is the brand they turn to when the next need arrives.
Everything it takes to launch a card as a lender, in one guide.
What a card earns, why the credit ledger decides whether it works and how to launch without building it all. The guide for lenders weighing the move.
Trusted by.
Meet the alternative lending experts behind your programme.
Lloyd Hutchinson,
Chief Commercial Officer
For a lender that already owns the customer, a card is a direct way to deepen the relationship. It lifts usage, raises lifetime value and keeps customers close, through more frequent transactions, richer data and a sharper view of how each business trades.
One partner for the whole card stack, built for how lenders work.
Speed to market
The whole stack. Scheme access, ledger, processing, fraud and wallets, is built and certified. All that's left is integration.
Focus on lending
You bring the lending expertise. The card infrastructure, fraud and compliance are handled for you, so there's nothing new for your team to run.
Built on a credit ledger
Revolving credit, statements and instalments behave as an extension of your lending product. The ledger sits at the core.
A new revenue stream
Every time a customer pays, you earn a share of the transaction. Add interest and fees from instalments, and it becomes a recurring revenue line alongside your lending.
Modular & API-first
Launch on the essentials, then add spend controls, instalments and more as the programme grows. One platform throughout.
Regulation built in
A dual-regulated EMI and principal member of Visa and Mastercard. PCI, PSD2 and scheme rules handled across the UK and EEA.
Modular, real-time platform built for lenders.
Launch programmes, define controls and expand into new markets with a modular platform that adapts to your business. Each tenant runs in isolation, so your data stays sovereign and your performance holds steady.
Every card programme starts with a conversation.
Tell us what you want your card to do for your customers and we'll map it to your lending business.
