Lendable is a UK-based fintech company founded in 2014 that builds technology for consumer credit products - personal loans, credit cards, and car finance. Operating from offices in London and Kent, the company employs over 700 people and claims to have been profitable since 2017. It is currently targeting both the UK and US markets.
The company has rebuilt its three core products - loans, credit cards, and car finance - from the ground up. Engineers ship features across all three daily, and Lendable claims that loan funds can reach customers in minutes rather than days. Its technical work spans machine learning, artificial intelligence, data engineering, and the automation of decisioning and credit processes.
Lendable structures its teams to be small and autonomous. Engineers are expected to take direct ownership of their work and make decisions with measurable impact from the outset. The company's stated philosophy is that machines handle the heavy lifting - underwriting, decisioning, process automation - so that people can focus on building and improving products.