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

FCA proposes action to close gaps in borrowers’ credit files

Lenders could have access to more comprehensive information to support lending decisions, under new proposals by the Financial Conduct Authority (FCA).

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Here at Welcom, we’re all looking forward to Spring starting on Sunday!

Here at Welcom, we’re all looking forward to Spring starting on Sunday!

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FCA outlines new BNPL measures

The Financial Conduct Authority (FCA) has outlined new measures for Buy Now, Pay Later (BNPL) lending, which will aim to simplify information for borrowers whilst ensuring income checks and support for those in financial difficulty.

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First-time buyers pessimistic about securing a property

New research from the Building Societies Association (BSA) shows that many aspiring first-time buyers could be closer to owning their own home than they think, but too many are ruling themselves out before exploring what is possible.

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Consumer Duty: Turning Regulatory Expectation into Commercial Advantage in Secured Lending

The FCA signaled its continued focus on Consumer Duty (the Duty) with the launch of its 2025/2026 workplan to prioritise embedding the Duty to ensure better consumer outcomes.

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Credit card spending rose by 2.6% between October and November

Analysis of credit card data for November 2025 by global analytics software leader FICO has found that spending, balances and payments followed seasonal trends in the run-up to Christmas. However, while spending rose as expected during November, it was lower year-on-year, signalling continued pressure on household finances.

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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