Lendable

Lendable is a consumer finance technology company founded in 2014. It rebuilds loans, credit cards and car finance from scratch, using machine learning and alternative data sources to compress a process that once took days into one that takes minutes. The firm has been profitable since 2017 and employs more than 700 people, with offices in London and Kent and operations in the United Kingdom and the United States.

Its products span the three big consumer finance categories: a loan that delivers funds into customers' hands in minutes rather than days, alongside rebuilt credit card and car finance offerings. The company points to the trillions of pounds and dollars' worth of financial products still held by large banks in the UK and US as the market it addresses. It claims the best customer reviews in its market.

Engineering sits at the centre of the business. Teams are kept small and are expected to take real ownership, with engineers shipping features daily and making decisions that carry material impact from day one. The stated mission is to build the world's best technology for credit and savings, on the principle that getting a loan should take hours rather than days and that machines should do the heavy lifting so people can focus on what matters.