BHG Financial

BHG Financial is a fintech company founded in 2001 that provides data-driven lending solutions to accomplished professionals and small business owners, both directly and through community banks. From an initial startup capital of $25,000, the company has originated over $27 billion in loans. Its headquarters are in Fort Lauderdale, Florida and Syracuse, New York, and it operates across the United States.

The firm's lending work rests on proprietary analytics, quantitative modeling, risk modeling and data-driven credit decisioning, supported by in-house fintech platform development. Its product line comprises large-amount unsecured personal loans and unsecured business loans, both offering terms of up to 12 years, fast approvals and no collateral requirement. Personal loan customers are assigned a personalised concierge service.

Through its Institutional Network, BHG Financial extends its loan programmes and credit standards to community banks. More than 1,700 such banks participate in the network; according to the company, bank partners have never lost a dollar on the core loan programme. Its stated operating principles combine rigorous credit standards with a hassle-free application process, and its lending history began with a focus on healthcare professionals.