Co-founded by Nick Harding and Matt Powell, both 37, in 2014, this digital consumer finance provider has arranged 35,000 loans to date. Its platform introduced a “normalisation period” during the pandemic, which included adding an automated payment holiday feature to support its loan customers. The company uses data science to improve client experience and provides a white-label platform for partners such as Revolut. Revenue hit £7.6m last year, and in July, asset manager Intriva Capital acquired the business from existing investors for an undisclosed sum. It aims to reach annual lending of £1bn within the next five years.