Retailers

Generating stronger retail sales

Pepper Advantage helps high street and online retailers incentivise their customers to buy more. We have a full range of credit management services, from designing bespoke products from scratch to customer management and payment collections. Our goal is always to support business growth, and help people succeed on their financial journeys.

Supporting retailers, boosting returns

Retailers are looking to provide more direct point-of-sale credit as consumers shift to by-now-pay-later (BNPL) for larger discretionary and non-discretionary purchases, including healthcare and dental services.
We know that one-size-fits-all doesn’t work for retailers or consumers, so we work closely with you to arrive at the perfect credit solution for your client base, allowing you to launch and scale a financial offering quickly.

Scaling offers, minimising default risk

Pepper Advantage uses its credit management expertise to take care of the complexities involved in managing retail credit products, including helping those retailers looking to sell books of loans to investors. By working with Pepper Advantage, retailers can scale their direct credit payment offerings, improve cash flow and expand their client bases, while increasing protection from default risk.

Where retailers have already set up bespoke inhouse credit operations, Pepper Advantage can support backend processes via robust credit management.

How we do it

We’ll protect your brand

We understand the power of retail brands and integrate fully to provide a seamless on-brand service.

We’re seasoned lenders

Pepper Advantage has more than a decade’s experience as a global lender and credit manager.

We think outside the box

We pride ourselves on not being bound by market conventions. We’ll come to the table with ideas.

We’ll boost your liquidity

Well-implemented credit management increases liquidity, diverting funds that can be put to better use.

Good for you, good for your customers

Retail customer finance gives your target audience the opportunity to defer or split payments when they’re not in a position to cover the full price upfront. They also boost brand loyalty and encourage people to spend more. Plus, consumers have come to expect a degree of flexibility when they shop.

Young business woman talking to her collegue and smiling

Customer finance options we cover:

Point-of-sale loans, credit cards, store cards, BNPL

We play a central role in developing, implementing and managing customer finance products for our retail partners.

By forensically analysing business needs

We work with you to find the right solution for your business and customers. We don’t believe in off-the-peg responses because every business has a unique sales model. Our effective, bespoke approaches are based on the way you do business and what your customers need.
By being ready to act

We are already set up and can put your business ambitions into action immediately. We don’t wait to be told what to do; we’re always prepared, with options and solutions.
By providing valuable insights

Partnering with Pepper Advantage gives you access to best-in-class credit technology and analytics. Our AI and ML capabilities not only ensure we handle the loans expertly today, but we manage your position over time with insights about your customers based on performance characteristics and behaviours.
By providing watertight customer management

If you have poor credit-management systems, or none at all, you may find even your best customers sense it and default on payments. Our tech-led management systems allow us to spot potential problems before they arise and find the right solutions so customers stay on track.

Our approach in action

Retailers can boost loyalty and stabilise their businesses by working with Pepper Advantage to put manageable, customer-centric payment options in place. Retail finance has become an essential and expected part of the customer experience. It demonstrates an understanding of evolving consumer needs – which in turn creates valuable brand equity. Pepper Advantage manages the development, implementation and upkeep, ensuring business and customer needs are met.

Case studies

Case study

Expanding customer credit to larger ticket items

1 minute read

Pepper Advantage worked with Japanese personal grooming company in Tokyo to help it meet the growing demand among its consumers for larger BNPL offers. The retailer was able to scale its direct credit payment offerings and expand its client base while decreasing default risk.

Case study

International retail credit finance experts

Snapshot

We have teams throughout the world, including Europe. Pepper Money Spain, which provides credit finance for numerous retailers in the region, is supported by the wider Pepper Advantage family with adaptable tech-led systems. Which means it can develop bespoke answers to specific needs.

Get the full Advantage

For answers to your questions and information on how Pepper Advantage’s tech-enabled business model and Credit Intelligence platform can help your business grow.

Our goal? To give people an edge, to help them succeed.