About Us

Helping organisations build better, more effective businesses

About Welcom Digital

Founded in 1978, Welcom Digital has built a proud legacy as a trusted leader in the software sector. With decades of experience, we specialise in delivering flexible digital lending solutions that power some of the UK’s most recognisable brands.

Our philosophy is simple — we build open, honest, and long-lasting relationships with our clients. By focusing on improving business processes and driving continuous innovation, we help our partners achieve sustainable success.

At the heart of our offering is Financier, our flagship loan management platform, designed to streamline and enhance lending operations. Alongside Financier we also provide supply chain solutions trusted by long-term clients — some of whom we’ve partnered with for over 30 years.

We place strong emphasis on governance and quality, supported by our in-house Project Management team and ISO27001:2022 certification, ensuring the highest standards across all projects.

Our success is driven by our dedicated and experienced team, whose passion for technology and innovation continues to shape the future of Welcom Digital. To support this, we became an Employee Ownership Trust in 2021, giving our team ownership and responsibility to determine the strategic direction of the business.

Financier

Our Team

With a team of experts, Welcom brings together a wealth of experience and unparalleled knowledge of the financial services industry

Expert Knowledge. Digital Innovation. Proven Results.

We understand the importance of keeping up to date with the latest technologies and innovations.

At Welcom, our experienced team brings together deep expertise in both the finance industry and digital technologies. This unique combination enables us to deliver a truly competitive digital lending platform that meets the evolving needs of modern businesses. Backed by the collective skills and broad experience of Welcom, we’re perfectly positioned to deliver innovative, high-impact solutions and manage complex projects with unmatched speed, precision, and efficiency.

Project Management

Project Management

Experienced in delivering financial service software projects, our team work to support the successfull delivery of projects.

Analysis & Consultancy

Analysis & Consultancy

Providing services from pre-implementation and requirements gathering through to business process mapping and implementation.

Client Support

Client Support

Dedicated support, for when you need it, providing 1st, 2nd or 3rd line support during business hours or with 24/7, 365 capability.

Third parties we work with

Acquired
Equifax
Experian
Info board
Insight Software
Provenir
TransUnion

Our Accreditations

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Microsoft Solutions Partner

As a Microsoft Solutions Partner, we’ve demonstrated expertise with Microsoft technologies and a proven ability to meet customer needs.

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PCI DSS validated

Welcom has been validated against the PCI DSS standards and has a PCI compliant hosting area. This validation has been held for 10+ years.

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ISO27001:2022

Welcom has successfully held externally verified certification against the ISO27001 standard since 2019, transitioning to the 2022 version in 2025.

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Finance & Leasing Association

As part of our commitment to maintaining high standards in the provision of consumer finance, Welcom is a member of the Finance and Leasing Association (FLA).

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NCC Group

Our customers benefit from the security of knowing that their investment in Welcom is backed by the NCC Escrow Solution assurance.

What Our Clients Say

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The new integration between Welcom Digital’s Financier LMS to Provenir’s AI-powered fraud and credit risk decisioning solution is a key part of our investment in digital finance options tailored to our customers' individual needs and I can’t thank the Welcom & Provenir teams enough for their support throughout.

Stuart Daniels, Chief Credit Officer, FGH (Freemans Grattan Holdings)

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What Our Clients Say

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Thanks to all at Welcom for helping us to get over the line and deliver. Great team effort all round. 

Frasers Group Financial Services

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What Our Clients Say

icn

We particularly like their partnership concept in systems development.

Don Fishing

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What Our Clients Say

icn

Welcom Digital worked to understand and capture our requirements and then produced a system specification that adopted standard build options where possible and introduced custom built functionality where required.

CITB

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Our Insights

New accessibility guidelines launched for payment cards

UK Finance has launched a new Accessible Cards Code of Practice, designed to help customers with accessibility needs or impaired vision use payment cards in-store and online. The Code means the UK is the first country in the world to have national common accessibility guidelines for flat printed payment cards.

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Mortgage borrowing increased to £4.8bn in February

Latest Bank of England data has shown that net borrowing of mortgage debt by individuals increased to £4.8 billion in February, from £4.2 billion in January.

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Majority of human underwriting can be performed by AI – MQube

Seventy per cent of traditional mortgage underwriting tasks can now be performed by artificial intelligence (AI), analysis by MQube has revealed.

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Improving Outcomes in the Second Charge Mortgage Market

The FCA's latest review into the Second Charge Mortgage market has been released and Financier Homeowner is well positioned to support lenders and intermediaries as the FCA raises expectations across the sector.

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Owner occupier mortgage costs total £114bn in 2025

The total housing cost bill for mortgaged owner occupiers in the UK reached £114.4bn in 2025, new research from Savills has revealed.

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Over half of lifetime mortgages taken out by under-70s

Owners of high-value properties, which were those worth at least £700,000, continued a stable pattern seen since 2023, accounting for 10% of new lifetime mortgages.

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Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

Map

Call us on 0845 456 5859