Flexible digital lending platform helping innovative lenders evolve and thrive in the mobile and digital age

Financier™ is a scalable software solution giving financial and credit providers the efficiency, agility and autonomy required
to lend responsibly and ensure customers are treated fairly whilst helping to drive competitive advantage.

Financier™ Loan System Software

Financier™ Loan System Software

About Welcom

Simplifying business operations for better customer experiences and outcomes

Designing and developing software solutions since 1978, Welcom Digital has the in-house expertise to provide innovative and effective solutions to a broad spectrum of industries and customers.

Welcom Digital

Welcom Digital

Our Solutions

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Financier™ Modules

Highly configurable API first loan management system offering end to end suite of integrated modules covering most types of consumer and commercial lending and delivery channels

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Websites / Portals

Expertise in delivering functionally rich ecommerce sites to integrated self-service portals and websites that can provide unique, personalised customer journeys

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Special projects

Digital retail solutions covering the whole retail business process including flexible credit options, ecommerce, point of sale, stock, and financials

Professional Services

With a team of experts, we bring together a wealth of
experience in consultancy, solution design and development, integration, and support.

 

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Project Management

From requirements capture to completion, our
Project Managers ensure the smooth delivery of
projects, providing governance through our
dedicated Project Management Office.

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Analysis & Consulting

Our Financier™ Business Analysts and Product Consultants are
experts in digital lending and can work with you
to translate business and operational requirements so that lenders can safely
meet regulatory obligations whilst maximising profitability

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Client Support

All our applications including in-house solutions,
hardware, databases, operating systems and
third party software are supported directly
through our dedicated Client Services team.

Why Choose Financier™?

Our multi-brand API first digital lending platform is a powerful solution that automates business processes and manages streamlined administration structures, allowing our clients more time to focus on good customer outcomes and meeting regulatory obligations.

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Over £10 billion transacted through Financier

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From smaller clients to FTSE100 companies

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Digital lending capability for the FinTech sector

What Our Clients Say

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We particularly like their partnership concept in systems development.

Don Fishing

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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 and 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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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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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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Our Insights

77% of lenders expect mortgage affordability to worsen by 2027, data finds

Three-quarters of lenders said mortgage affordability is set to become a more pressing issue by 2027, according to research from Phoebus Software.

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FCA announces mortgage affordability rules changes

The Financial Conduct Authority (FCA) has announced new plans to reform the mortgage market to widen access to affordable mortgages for consumers.

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Mortgage lending hits five year high

Latest Bank of England figures show that mortgage lending recorded its strongest quarterly jump in five years in the third quarter of 2025, with gross advances rising 36.9% to £80.4 billion. The increase marks the sharpest quarterly gain since 2020 amid a renewed surge in the UK property market.

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Later life mortgage lending rises by 18.4%

New data from UK Finance has found that later life loans rose 18.4 per cent with 39,950 loans taken out in Quarter 3 (Q3).

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FCA launches new AI testing initiative

The Financial Conduct Authority (FCA) has announced it is working with major firms to test Artificial Intelligence (AI) in a safe place to better understand the potential benefits and risks.

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Mortgage lending returns to growth

UK Finance has released its latest Household Finance Review, which showed that mortgage lending activity returned to growth in Quarter 3 (Q3), following a quieter second quarter caused by many transactions having been brought forward ahead of Stamp Duty changes in April. Refinancing also increased, with volumes up nearly 50 per cent year‑on‑year as more customers rolled off fixed‑rate deals.

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Call us on 0845 456 5859

Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 4565859

F 0845 4565253

Office hours

9am to 5.30pm Mon to Fri