Financier Digital Lending Solution

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.

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Homeowner

Loan automation with digital lending

Easy to embed and ready to launch, boosting revenue, increasing engagement and helping provide better outcomes for customers.

Consumer

Streamlined loan lifecycle

From origination and servicing to collections and debt sale, Financier delivers an efficient, fully supported end to end digital lending solution.

Commercial

Flexible loan management solution

Full loan servicing platform spanning all distribution models, broker management, document control, credit scoring and configurable data capture.

Digital

Personalisation in digital lending

Delivering flexibility for lenders to personalise the digital journey for retail customers and drive the ability to provide customised credit terms.

Connect

Seamlessly connect to existing systems

Interface with third party solutions with Financier at the core, allowing seamless transition of data to provide the full digital lending journey.

Flow

Configured your way

Powerful, task based, event-driven workflow orchestration engine that adapts seamlessly to your business processes, configured to support business growth.

Migrate

Seamless, secure, stress free migration

Financier Migrate is designed to make moving financial data faster, safer and reliable. It doesn’t just move data, it modernises it.

What Our Clients Say

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)

What Our Clients Say

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

Frasers Group Financial Services

What Our Clients Say

We particularly like their partnership concept in systems development.

Don Fishing

What Our Clients Say

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

Our Insights

In the press

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.

In the press

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.

In the press

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.

Blog

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.

In the press

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.

In the press

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.

Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

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