Affordability

Intelligence

Saved customers millions

100% coverage of
UK lending

Embedded in over 20 Banks, FS & Utilities

Proven impact on positive customer outcomes

Affordability

Intelligence

100% coverage of UK lending

Saved customers millions

Embedded in over 20 Banks, FS & Utilities

Proven impact on positive customer outcomes

We cover everything you need to know about your customers...

Do you want to know how your customers are financially?

We recognise understanding your customers finance is a priority and how to assist them getting back on track with their finances.

Do you want to reduce your customers overheads?

Instantly invite customers to conduct a payment plan review tailored to different treatment strategies.

Do you want to know if your customer needs debt advice?

Allow families to manage costs, realise opportunities and pursue financial objectives. It is especially valuable during tough times.

Help your vulnerable customers through challenging times

You can build trust and loyalty by offering tailored services and flexible solutions to support the needs of your customers.

Embark

Accurate budgeting

Prompts the customer if an expenditure item is out of our guidelines and allows them to fix the item.

Open Banking & CRA

Allow your customers to complete the income & expenditure form in minutes by taking advantage of our time saving integrations.

Free debt advice from PayPlan

After completing the income & expenditure, customers have the ability to receive free debt advice.

Built in
benefit checker

Brought to you by our partner InBest, customers can check for any unclaimed benefits they’re entitled to.

Capture customer vulnerability

Ensure your customers have access to the help they need by capturing their vulnerabilities.

SFS RAG status

See where your customers are over spending to help them reduce costs to get back on track with their payments.

Embark is the number 1 customer affordability tool on the market with industry leading configurations, partners & integrations to make light work of empowering financial independence for your customers.

Find out more about Embark

Embark

Accurate budgeting

Prompts the customer if an expenditure item is out of our guidelines and allows them fix the item.

Open Banking & CRA

Allow your customers to complete the income & expenditure form in minutes by taking advantage of our time saving integrations.

Free debt advice from PayPlan

After completing the income & expenditure, customers have the ability to receive free debt advice.

Built in benefit checker

Brought to you by our partner InBest, customers can check for any unclaimed benefits they’re entitled to.

Capture customer vulnerability

Ensure your customers have access to the help they need by capturing their vulnerabilities.

SFS RAG status

See where your customers are over spending to help them reduce costs to get back on track with their payments.

ReFi

We have already helped over one million UK customers embrace their true expenses and access the best free help for their circumstances. ReFi now utilises our deep industry expertise, payment technologies, banking systems and regulatory permissions, to benefit borrowers looking to ReFinance their existing debts.

Existing Credit Details Confirmed

We confirm the credit amount and account details so you and your customer don’t have to.

Customisable integration

We can customise the journey, from as little as taking care of the payments and account closures or providing a full end to end journey. Get in contact for more details on how we can best serve your needs.

Pay creditors directly

We have a dedicated payments services which ensure your customers existing credit facilities are paid down.

Close card lines

Take the risk out of your lending model by allowing ReFi to close your customers other lines of credit.

How you can use ReFi

What is ReFi?

ReFi

Validates the card, loan & overdraft your customer holds

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Confirm balances & settlement amounts

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Pay creditors directly

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Close card lines

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How you can use ReFi

What is ReFi?

Experts in the field

We test our products rigorously, in-house, before offering them to the wider market. We also understand the crucial role that regulators play in our industry. As well as being regulated by the FCA ourselves, we make sure that all of our platforms are developed in strict adherence to the rules set out to regulate the industry in which it will be used.  

When you combine expertise, fair mindedness and, tireless dedication to customer experience; the result is a company which showcases the very best that modern financial technology has to offer.

Expertise & Experience

Developed by a team with over 20 years of industry experience, building solutions to meet the needs of every business that we encounter.

Fully-Customised

Software tailored to fit your business, from branding to compatibility. Build your customer journey with our expansive range of plug-in features.

Security & Compliance

A range of hosting solutions, including Amazon Web Services, so you can manage all data in a controlled, secure and customised virtual network.

Training

Expert trainers ensure you and your agents get the most out of Embark. Whatever you’re looking to achieve, our team will help create the solution.

Find out more about Paylink

Expertise & Experience

Developed by a team with over 20 years of industry experience, building solutions to meet the needs of every business that we encounter.

Fully-Customised

Software tailored to fit your business, from branding to compatibility. Build your customer journey with our expansive range of plug-in features.

Security & Compliance

A range of hosting solutions, including Amazon Web Services, so you can manage all data in a controlled, secure and customised virtual network.

Training

Expert trainers ensure you and your agents get the most out of Embark. Whatever you’re looking to achieve, our team will help create the solution.

Our leadership team

Jake Ranson

Chief Executive Officer

Laura Dale-Gough

Sales & Partnership Director

Jill Sparks

Payments Services Director

Andy Wallace

Chief Technology Officer