Your lending backend is ready.
Your product. Your borrowers. Your timeline. We bring the infrastructure, the compliance engine, and a team that already knows your name by the time you launch product number two.
Built by the team that scaled lending at Affirm and Enova.
$2B+ in active loans across 50+ lenders
The backend doesn't have to be your problem
Your engineering roadmap
Most of what your team would build is invisible plumbing: payment retries, statements, fee logic, and compliance that grows with every state rule update. Your engineers want to be building the product.
Your timeline math
Getting to live borrowers should be the exciting part, and it can be. Weeks to launch, not a year of building before your first loan.
Your margins
Lending margins are thinner than SaaS. The less you spend rebuilding infrastructure, the more your product gets to keep.
Here's where it gets peachy
You bring the product
Tell us what you're building. Consumer lending, a vertical BNPL, a deferred-interest card, something no template covers. We start from yours, not ours.
We bring the backend
Everything post-origination, ready to go: CRM, portals, communications, Compliance Guard, accounting. And Loan Replay™, so retroactive ledger changes don't break your audit trail.
Customers don't just renew. They expand, quarter after quarter. You won't outgrow this.
Whatever you're designing, there's a version of it already running on Peach.
Payments go through. The foundation your team builds on, not the one they keep patching.
What your lending program actually runs on
One engine for every product you'll ever build
Your first product might be straightforward. Your third won't be. Both run on the same engine, no rearchitecting.
Regulations change. Your compliance keeps up.
FDCPA, SCRA, TCPA, UDAP, Reg F. Compliance Guard tracks them and adjusts. Your team focuses on lending, not chasing regulatory updates.
Change the past and keep the full audit trail
Backdate a payment. Correct an interest rate. Loan Replay™ recalculates forward from that moment. The original ledger stays intact.
Your auditors will love you too
The boring-but-important stuff is already handled. Five certifications, zero surprises at audit time.
"We launched our first product on Peach in six weeks. Eighteen months later, we're running three products on the same infrastructure. We never had to re-platform."
Your product. Your borrowers. Your timeline.
We figure out the infrastructure together. That's how every Peach engagement starts, and it's how Square, Remitly, and Bill came to run on Peach. Come say hi and tell us what you're building.
