We don't just add value
We create it
We are a financial services company that builds, scales, finances and manages Lending and Loan Servicing businesses.
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We do it through residential and commercial property, as well as consumer, small business, auto and equipment finance. We help people succeed. And companies grow.
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Our Approach
Plant seeds.
Harvest rewards.
We tackle problems like entrepreneurs, and balance uncertainty with opportunity. We give you fresh perspectives on how to view markets, manage risks and create value.
Read our story
What we do
Serving the
underserved
Founded in 2000, Pepper has served more than two million borrowers and small businesses across 14 countries. We also work with Investors, Banks, Funds, Institutions and FinTechs to service markets that are overlooked or underserved.
Explore our capabilities
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Business
in numbers
*All figures are in USD as of 31 December 2022
Total Assets Under Management
$0bn
Servicing Assets Under Management
$0bn
Lending Assets Under Management
$0bn
Employees
0
Customers
0m
Our Approach
What if you could predict how loans will perform? Pepper Analytic.AI draws on 20 years of experience and rich market data to forecast trends, predict behaviour and power decisions.
Explore Data & Analytics
What we've learned
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We create models that forecast outcomes, estimate risks and enable decisions.
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Predicting pandemics
Can we use London stock market data to identify late payments during Covid-19?
Settling early
What factors can predict early payoffs in South Korea?
Hidden value
What hidden factors can indicate a property’s true value across the subcontinent?
Our People
Seeding success
Pepper People
The Pepper team brings a suite of diverse skills, backgrounds, competencies and experiences to our business. We have stories to tell and ideas to share.
Pepper People
Farah Vie
Senior Manager, Corporate Services
Pepper Money Australia and New Zealand (working in the Philippines)
In my field, there are no boring moments.
Read Farah's Story
Shakira Snowdon
Head of Operations
Pepper Money Australia and New Zealand (working in the Philippines)
The ‘can do’ culture is infectious.
Read Shakira's Story
Juan C. Gonzalez
Group Chief Financial Officer
I feel very bullish about our growth prospects in Asia.
Read Juan's Story
Finding niches everywhere
Like the spice trail that inspires us, Pepper has created pathways into new markets, and has delivered financial services based on local knowledge and global insights.
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Pepper Global Singapore
Pepper Singapore is the hub of our Asian platform providing the infrastructure to power our Lending and Loan Servicing businesses in the region.
46
Employees
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Pepper Money Australia & New Zealand
Founded in 2000, Pepper Money provides home loan solutions to customers that aren’t being served by traditional lenders.
2000
Started
981
Employees
USD12.4bn
Assets Under Management
327,000
Customers cumulative since 2014
Read more
who-we-are-south-koreaget-in-touch-korea
Pepper Savings Bank South Korea
As one of the top 5 mutual savings banks in Korea, Pepper Savings Bank is the leader in unsecured lending and mortgages with a heavy emphasis on middle-class customers and self-employed business owners.
2013
Started
680
Employees
USD4.3bn
Assets Under Management
260,000
Customers
Read more
who-we-are-spainget-in-touch-spain
Pepper Money Spain
We provide sophisticated point-of-sale financing solutions to more than 10,000 retail merchants and 1.1 million customers across Spain.
2013
Started
303
Employees
USD418.5m
Assets Under Management
1.1m
Customers
10,000
Stores
Read more
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Pepper Advantage UK, Europe & Asia
Pepper Advantage is a global credit intelligence provider operating in nine jurisdictions across the UK, Europe and Asia Pacific. We bring a cutting-edge data-led approach to the way we manage credit assets on behalf of our clients.
2012
Started
1,250
Employees
USD55.1bn
Assets Under Management
1m
Customers
Read more
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Pepper Money United Kingdom
Pepper Money launched its UK lending business in 2015 and is now one of the fastest growing non-bank specialist lenders in the UK.
2015
Started
388
Employees
USD3.9bn
Assets Under Management
42,500
Loans
72,400
Customers
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