Platform economics

Growing a single-sided business gets harder every day, because the platform businesses you compete with, increasingly control your market.

Credit economics

To be successful as a lender, you need to be able to attract applicants at a reasonable cost, assess their probability of default accurately, minimise underwriting and validations expenses, minimise the leakage rate from approval to advance, achieve a margin and a fee structure that delivers a return on equity above your hurdle rate, minimise unwanted external refinances, encourage repeat business from good borrowers, and maintain reliable and low-cost sources of funding. Easy right?

Borrower demand

Demand for credit is growing in many markets. Borrowers are increasingly shopping around and flocking to platforms that support them to compare loan offers, and assess the likely friction of choosing lender A over lender B. Having a first-class digital offering for borrowers is no longer optional.

Marketplace technology

Our credit marketplace technology enables an organisation to:

  • provide borrowers with a digital experience that allows them to provide their info once, have it validated once, and be matched to lenders with an appetite to lend to them, presented in order of the least cost.
  • provide lenders with a new origination channel where applications are only received for borrowers that meet their credit and product policies, with application data pre-validated.
  • support borrower, lender, and funder digital experiences, by hosting the loan receivable ledgers of lenders while providing complete financial control to the lender.
  • enable lenders to market their credit portfolio performance to funders with a clear line of sight to key metrics, enabling benchmarking to other lenders.

Get in touch

Contact us via VSPRY CHAT or telephone us at our Australian office on +61 7 3184 4111, our United Kingdom office on +44 131 381 3939, or our Singapore office on +65 3129 3939, or schedule a meeting at


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