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 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.
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?
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
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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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
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Assets Under Management
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Customers
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Acquired by J.C. Flowers in 2025.
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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
376
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USD3.5bn
Assets Under Management
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72,400
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We are Indonesia’s first global servicing platform with the capabilities to service a range of asset classes.
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Started
168
Employees
USD172.4m
Assets
129,014
Customers
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