Welcom Financier

Financier overview

Powering smarter digital lending

Welcom helps digital lenders deliver personalised credit products through our leading digital lending platform, Financier. Designed for both commercial and consumer finance, our flexible solutions support lending and collections at every stage

With Financier’s modular design, credit providers can rapidly launch new products tailored to their markets—whether consumer or commercial, regulated or unregulated. Built with compliance and FCA regulations at the core, our platform supports sustainable growth and promotes a fair, transparent, and customer-focused culture.

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

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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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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

Government announces Consumer Credit Act modernisation plan

The Government has announced that it will modernise the Consumer Credit Act (CCA) for the first time in over 50 years, giving consumers clearer information and firms the flexibility to innovate.

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Second charge mortgage new business volumes grew by 20% in March 2026

Commenting on the latest new business figures for the second charge mortgage market, Fiona Hoyle, Director of Consumer Finance & Mortgages and Inclusion the Finance & Leasing Association (FLA), said:

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Consumer finance new business grew by 9% in March 2026

New figures released by the Finance & Leasing Association (FLA) show that consumer finance new business grew by 9% in March 2026 compared with the same month in 2025. In Q1 2026, new business in this market was 6% higher than in Q1 2025.

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AI in the second charge mortgage market: from experimentation to infrastructure

Across the UK mortgage market, AI is increasingly becoming part of the underlying fabric of modern lending platforms, rather than sitting in standalone tools.

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Mortgage searches surge in March as economic uncertainty drives borrower action

Mortgage adviser activity rose sharply in March, with total searches reaching 2,150,593, as borrowers responded to ongoing economic uncertainty and shifting mortgage pricing, according to the latest Mortgage Market Snapshot from Twenty7tec.

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Open Finance Is Accelerating — How our partnership with Aperidata helps lenders

The FCA’s newly published Open Finance Roadmap sets a clear direction for the UK’s smart‑data future. Between now and 2030, the regulator intends to move Open Finance from concept to full‑scale delivery — starting with high‑impact use cases in SME lending and consumer mortgages.

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Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

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Call us on 0845 456 5859