Embedded Consumer Finance

Oakbrook is a digitally enabled consumer finance and technology business, removing the barriers between consumers that want to borrow and investors that want to lend

What we do

Formed in 2011, Oakbrook has brought together people with deep expertise in consumer lending, advanced analytics and forward-thinking technologists, with a shared belief that there is a better way to do consumer lending – by being more personalised and customer focused.

Our FCA regulated and consumer lending businesses are a leading partner to the aggregator market for consumer loans. Solving the borrowing needs of consumers, and connecting investors and funders seeking to finance consumer assets within their targeted risk-reward parameters.

We have a longstanding history of predictable performance for warehouse investors for our on-balance sheet lending, and forward flow lending options for investors and funders seeking to finance consumer assets without specialist consumer credit capabilities.

O6K, our business-to-business technology and analytics company, has built our proprietary technology platform from the ground up to support our own lending businesses, but is designed to offer white labelling and platform lending solutions for business partners.

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Consumer lending

We've been lending since 2014 and are fast becoming one of the UK's leading non-bank lenders. Our consumer loan products cover the widest customer spectrum of any lender in the UK with loan amounts ranging from £500 to £15,000 with APR's as low as 9.9%.

Our products are designed with flexibility, simplicity and great customer experience in mind and are underpinned by the proprietary technology and analytics capability of our O6K platform.

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Technology and analytics at Oakbrook

With O6K we’re leading the way in the development and design of cutting-edge financial services technology through the evolution of our proprietary platform. Built by our in-house team of technologists it allows us to build and deploy products, services, and tools into the market at pace and scale.

Our platform is built on a solid, highly scalable foundation which uses the very latest in technology across security, monitoring and scalability. It allows us to build world class products for our customers whilst also helping to solve market challenges for our partners and investors.

Our O6K platform is the technology that underpins Oakbrook Groups’ lending businesses, further enhancing our position as a market leader in the consumer lending market.

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Partnership and investment opportunities

Our forward flow option enables investors without specialist consumer credit capabilities to purchase beneficial rights of whole assets. Significant retention of assets on our balance sheet and performance related compensation on forward flow sales ensures an alignment of interests between Oakbrook and our Partners

Partners benefit from a fully managed loan origination and customer managment service, and random allocation of loans to ensure true representation of Oakbrook balance sheet lending.

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Life at Oakbrook

We're a diverse and lively bunch of people united by our Purpose to 'simplify and personalise borrowing' and our Vision to 'change lending for the better'. Our work is agile, collaborative and fun in an environment that embraces success and failure in equal measure and together we make great things happen.

As a business we're dedicated to making Oakbrook a great place to work and we're proud to have been ranked in the UK's Best Place to Work™.

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Join the Oakbrook team

Do you want to help us make a difference and change lending for the better? Whether you’re interested in working for our consumer lending businesses or O6K, our technology and analytics company, we’re always on the lookout for talented and curious people to join Oakbrook. If you think this could be you check out our latest vacancies.

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