We don't just add value
We create it
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.
Our Approach
Plant seeds.
Harvest rewards.
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.
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What we do
Serving the
underserved
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.
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Business
in numbers
in numbers
*All figures are in USD as of 30 June 2023
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 Analytics draws on 20 years of experience and rich market data to forecast trends, predict behaviour and power decisions.
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What we've learned
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We create models that forecast outcomes, estimate risks and enable decisions.
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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
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.
Pepper Global
Pepper Global
Pepper Global provides financial services operations through a global network of affiliated Pepper companies, powering our Lending and Loan Servicing businesses worldwide.
17
Employees
Pepper Money Australia & New Zealand
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
795
Employees
USD19.1bn
Assets Under Management
530,304
Customers cumulative since 2004
Pepper Savings Bank South 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
600
Employees
USD4.8bn
Assets Under Management
340,000
Customers
Pepper Money Spain
Pepper Money Spain
We provide sophisticated point-of-sale financing solutions to more than 11,000 retail merchants and 1.8 million customers across Spain.
2013
Started
340
Employees
EU1000m
Assets Under Management
1.8m
Customers
11,000
Points of Sale
Pepper Advantage
Pepper Advantage
Pepper Advantage is a global credit intelligence provider operating in nine jurisdictions across the UK, Europe and Asia Pacific, bringing a cutting-edge data-led approach to the way credit assets are managed on behalf of their clients.
Acquired by J.C. Flowers in 2025.
Acquired by J.C. Flowers in 2025.
Pepper Money United Kingdom
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
376
Employees
USD3.5bn
Assets Under Management
42,500
Loans
72,400
Customers