Our vision

To build the market-leading non-standard credit company in the UK – with the customer at the
heart of our business.

Our strategy

Our strategy is to develop a wider range of products to address demand in the non-standard financial sector. Our recent digital acquisitions have accelerated this strategy and enhanced our core model with innovative digital services.

Our three strategic pillars:

Grow Core HCC Offering

We continue to focus on developing the right digital solutions for HCC. The shift to digital has seen the launch of our new online customer portal, and currently the vast majority of our collections are being made remotely. Increasing penetration of digital transactions has increased our customer satisfaction levels, reduced cost and improved relending statistics.

Diversify Into Complementary Products

Our new digital division has greatly expanded our consumer finance offering.
We now offer e-money current accounts and digital credit products, and our focus is on integrating and growing these businesses. Research has shown over 50% of our existing HCC customer base would use our e-money current account services in the future.

Continue To Work Responsibly and Ethically

We have given thousands of people access to important personal credit based on strict eligibility and affordability criteria. Our repeat customers rely on our core principles of being an ethical lender, with no additional or hidden charges, fees or other costs. To continue to understand our customers’ experiences, we undertake monthly and quarterly feedback surveys.