Pepper Advantage UK

About us

Welcome to Pepper Advantage UK, a prominent loan-servicing firm spanning the four home nations. Our commitment to prioritising people, supported by cutting-edge technology, guarantees success across a wide range of asset classes.

At the heart of our mission lies a dedication to supporting individuals in their journey towards success. We not only ensure regulatory compliance and operational efficiency but also strive to enhance performance. This commitment is bolstered by our innovative proprietary systems and real-time credit data – all aimed at empowering people to thrive.

What we offer

Our aim is to find the right solution for every customer, whatever their situation. With primary, special, master and standby servicing, alongside back-office functions, our credit management solutions ensure efficient maintenance and management of all loans within a portfolio, meeting the highest client standards.

Since 2013, we’ve been actively managing commercial and residential real estate assets, infusing expertise and empathy into every aspect. Spanning England, Wales, Scotland and Northern Ireland, our tailored offerings feature flexible elements such as drawdowns, reserve accounts and payment holidays, accommodating diverse asset types and currencies, from residential first charge and buy-to-let to bridging and SME loans.

LATEST INSIGHTS

July 30, 2024 | 9-minute read

UK arrears growth slows to 1.1%

The latest data from Pepper Advantage’s UK portfolio shows an improvement in the arrears environment in Q2 2024, with the arrears rate across the country increasing only 1.1% compared with Q1.

Read the full report here

Our business in numbers

Assets Under Management: US$23bn

$23bn

Employees

365

Asset classes

Clients

We work with the UK's most trusted brands

Seamless partnership experience

At Pepper Advantage UK, we excel in providing exceptional personal service to both our clients and borrowers, driven by our tailored approach, advanced technology and industry expertise. We always put our clients’ needs first and look after their customers as though they were our own. We strive to provide a seamless and rewarding partnership experience, fostering mutual success.

Dedicated client relationship managers

Your success is paramount. Our dedicated client relationship managers, equipped with industry-specific expertise, prioritise understanding and meeting your brand standards to ensure your satisfaction and success.

Real-time reporting

Stay informed and in control with our live performance and operational reporting. Receive timely insights and updates on critical metrics, enabling data-driven decision-making and effective strategy optimisation.

Evolving service and systems

Tailored to your unique needs, our custom systems adapt and grow with your business. Pepper Advantage UK is committed to ongoing enhancement and we regularly upgrade our systems to match your evolving requirements and industry advancements.

Tracking market dynamics

Pepper Advantage UK uses cutting-edge analytics and insights from our Credit Intelligence Platform. We deliver valuable data on market dynamics and borrower tendencies, empowering you make the best decisions for your business.

Best-in-class customer service

We ensure exceptional borrower support through digital services for easy account access, SMS notifications and online management. Our people-assisted services offer compassionate support during financial challenges, while in-depth customer analytics drive continuous improvement for a seamless service experience.

Looking to the future

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Pepper Advantage is thrilled to announce a strategic joint venture with Clay Technologies aimed at revolutionising the fintech sector by introducing an integrated platform for UK companies to launch lending programmes.

This collaboration simplifies the process for businesses, enhances loan servicing capabilities and provides advanced credit data analytics. Exciting advancements include our upcoming customer portal and innovative platform technology, offering real-time balance updates, comprehensive loan details, enhanced self-service options, seamless communication channels, secure email and two-way SMS, setting a new standard for customer empowerment and convenience.