Primary servicing
Our comprehensive primary loan servicing covers every facet from customer service to tailored solutions, including loan maintenance, documentation storage, payment processing, asset insurance management and outreach programmes. We also specialise in reactive early arrears management and trace activity, ensuring a seamless end-to-end experience customised to your needs.
Special servicing
Pepper Advantage is renowned for its empathy, proficiency and track record in handling underperforming loans. Our services encompass managing borrowers in compliance with local regulations. We also implement restructure and forbearance strategies, facilitate consensual workout plans, oversee enforcement proceedings and asset management, establishing effective credit frameworks and coordinating third-party suppliers.
Master servicing
We take responsibility for the management of loan portfolios where administration and collections are carried out by another servicer.
Powered by our Credit Intelligence Platform, master servicing can include contract and service-level agreement set-up and monitoring, third-party business process and performance auditing and extensive reporting on performance and loan collateral.
Back-up servicing
If your existing servicing agreement is terminated at short notice, we can help. We work with our clients to understand their needs and the risks they are seeking to manage and mitigate, and then develop an individual solution to deliver the best outcome.
Administrative functions
We reduce cost pressures by looking after back-office roles. No need for expensive service centres and increasing staff rosters as you grow.
Key benefits
People-first attitude
It’s better if loan arrangements work for everyone, which is why we strive to help people succeed.
Tech benefits
Our intuitive, scalable and proactive tech platform enhances portfolio value analysis, promoting operational efficiencies.
Expert loan servicing
Pepper Advantage has many years in the field helping people on every kind of financial journey across multiple asset classes and jurisdictions.
Supporting and building brands
We understand the power of brand and work hard to protect your voice and identity, building strong relationships.
Predictive capabilities
We aim to identify issues before they happen – and then act fast, improving outcomes for all parties.
One-stop shop
Our portfolio includes due diligence, advisory, primary, special, bespoke servicing solutions, asset management and real estate services.
Safe hands
We have established deep industry relationships and differentiated expertise, driven by a lender and investor mindset.
Adaptive and responsive
Our systems are agile and responsive meaning we can meet today’s challenges fast. Essential in the current economic climate.
We scale as you grow
Pepper Advantage continues to invest in its data applications and technology infrastructure, so all client needs are met, no matter how bespoke. And we have a strong staff retention rate, offering the kinds of career opportunities that only a global organisation can provide.
Multiple loan categories
We have developed proprietary systems capable of servicing small and large portfolios of loans with a full spectrum of features, from standard residential mortgages to unsecured personal loans.
Best-in-class service
Our dedicated teams of experts come from servicing, property, banking, legal, technical and operations backgrounds, covering the full spectrum of skills and experience needed. We assure clients their customers will achieve the right outcomes at all times irrespective of their situation.
Credit management excellence
White-label brand integration
In it for the long haul
Understanding your customers
Proprietary servicing applications
Human-centric business
Borrower satisfaction
No matter where we operate in the world, we understand that navigating financial matters can be complex at times for your customers. We’ve assembled knowledgeable and friendly customer service teams to guide and support borrowers at every step of their journey. Our commitment to service shines through in the ratings we consistently receive from them.
