Reading the
credit cycle
Pepper has built, scaled, financed and managed Lending and Loan Servicing businesses across multiple markets, asset classes and economic cycles. We do it through residential and commercial property, as well as consumer, small business, auto and equipment finance.
We understand the credit cycle. The ebb and flow of the market. The interplay between reward and risk. How economies behave, and where opportunities hide. And the gaps between theoretical models, and the people they describe.
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Over two decades

Pepper has served more than 2 million customers and small businesses in 14 countries through Lending and Loan Servicing. We create local teams, find underserved niches, source capital flow and deploy technology at scale. Pepper understands ordinary people and recognises extraordinary businesses. We’re here to plant seeds. And we’re here to help them grow.

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Our Story
Sowing
the seeds
Credit is the seed from which ideas, industries and economies flourish. At Pepper, we make sure each seed is planted in the right soil, given the right conditions and managed with care.

We’ve spent over two decades in Lending and Loan Servicing, and have enabled growth across various continents through our financial services expertise. We’ve developed underwriting frameworks, provided access to capital, created enduring partnerships, and have reaped impressive harvests.
Business
in numbers
*All figures are in USD as of 31 December 2021
Total Assets Under Management
$0bn
Servicing Assets Under Management
$0bn
Lending Assets Under Management
$0bn
Employees
0
Customers
0m
Our Approach
We believe the underserved deserve our service. We understand the value of local knowledge. The difference between data and insight. When to be entrepreneurial and when to follow caution. We make things work. And we make things happen. We don’t just add value. We create it.
What we do
Serving the
underserved
As a lender, we specialise in flexible loan solutions based on individual credit assessment. This enables us to support the many borrowers who fall outside the credit criteria of the major banks.

As a third-party servicer, we administer loan books on behalf of other banks and financial institutions when they don’t have the capacity. We step in, using our own processes and expertise to administer loan payments or manage the arrears and recovery process.
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What we do
How we
create value
icon-lending
Lending
Using our underwriting expertise to give underserved customer segments access to lending products.
Explore Lending
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Loan servicing
The infrastructure to service multiple asset classes and a strong knowledge of regulatory framework.
Explore Loan servicing
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Investing
Our operating model combines a highly targeted investment strategy with a global resource pool of leading capabilities to create value.
Explore Investing
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Data & Analytics
Data & Analytics Our proprietary tools unravel how economies behave, and where opportunities hide. And the gaps between theoretical models, and the people they describe.
Explore Data & Analytics
Our Growth
Our numbers speak for themselves. So we’ll let them do just that.
*All figures are in USD as of 31 December 2021
Growth & Performance
Assets Under Management
Our People
Many financial firms tend to be faceless. We’re an exception. Our team balances rich experience with fresh ideas. And a ‘can do’ attitude with a ‘keep it real’ mindset. And some of our stories are too good not to share.
Meet our people
the-pepper-team
Our Network
Finding niches
everywhere
It began with an idea in Australia 21 years ago. Find an unmet need, satisfy it through innovation, know it better than anyone else. In Australia, it was serving borrowers that banks had forgotten. In Ireland, it was striking long term loan servicing contracts in the height of the global financial crisis.
In South Korea, it was acquiring a small mutual savings bank. In Japan it was being a first mover in loan servicing. The idea has been replicated across 13 countries, 3 continents and more than 2 million consumers. And continues to spread. Like good ideas often do.
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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.
45
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
1057
Employees
USD12.6bn
Assets Under Management
288,900
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
810
Employees
USD4.4bn
Assets Under Management
242,000
Customers
Read more
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Pepper Money Spain
We provide sophisticated point-of-sale financing solutions to more than 10,000 retail merchants and 970,000 customers across Spain.
2013
Started
306
Employees
USD379.3m
Assets Under Management
970,000
Customers
10,000
Stores
Read more
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Pepper European Servicing
Pepper European Servicing provides a range of asset management, loan servicing and advisory services in Ireland, Spain, Greece and the UK on behalf of international and national investors, financial institutions, wholesale funding institutions and loan originators.
2012
Started
962
Employees
USD49.7bn
Assets Under Management
376,000
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
362
Employees
USD3.1bn
Assets Under Management
36,000
Loans
61,000
Customers
Read more
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Pepper China
Recently established, Pepper China operates out of Shanghai and Hong Kong and provides third party Servicing of non-performing loans for international investors.
2020
Started
9
Employees
USD228.2m
Assets Under Management
57
Clients
Read more
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Pepper India
In October of 2019, Pepper India was launched as a joint venture between the Pepper Group and ABK Resolution.
2019
Started
99
Employees
USD13.3bn
Assets Under Management
33,527
Loan accounts
Read more
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Pepper Millennium Japan
We provide Servicing for investors, as well as Due Diligence and Asset Valuation services.
2021
Acquired by Pepper
9
Employees
USD7.4m
Assets Under Management
450
Customers
1,096
Loans
Read more
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Pepper Indonesia
We are Indonesia’s first global servicing platform with the capabilities to service a range of asset classes.
2021
Started
168
Employees
USD172.4m
Assets
129,014
Customers
Read more
KKR
We keep the best company
Pioneering global investment firm KKR has backed Pepper and supported our strategy and initiatives since 2017. While Pepper has benefitted from KKR’s financial acumen, operating expertise and its global network of companies, investors and advisors, KKR has also highly regarded Pepper for our capabilities and data-driven insights.
kkr-team