Ethical lending, on a platform that could finally scale
A fragmented ethical-lending ecosystem turned into one cohesive, FCA-compliant platform.
Amplifi Capital serves near-prime consumers through its My Community Finance brand, and needed a platform that aggregated a fragmented ethical-lending ecosystem while meeting FCA requirements. The stack was dispersed, applications took too long to reach disbursement, and there was not enough product expertise in the building to fix either.
- Stakeholder interviews and a map of the UK regulatory ecosystem before any design work.
- Worked directly with the FCA to make sure the proposed architecture would pass.
- A hybrid strategy: proprietary where it mattered, third-party where it did not.
- Re-cut the internal workflows and wrote the role specifications the next hires would need.
Application-to-disbursement fell by two-thirds. Lending throughput tripled inside a year and the number of lenders on the platform rose by half. FCA approval arrived faster than planned, and both IT and staffing costs fell. My Community Finance was named a Best Place to Work in 2024.
“I found [the team] to take a hands-on and honest approach to their work with us and not be afraid to challenge conventional approaches, whilst being able to back up suggestions with thorough research and data.”
Amplifi Capital · Consumer lending
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