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Lending & consumer credit
Lending and consumer credit authorisation
Authorisation for lenders and consumer-credit firms, from permissions through to responsible lending, conduct and collections.
We authorise consumer and commercial lenders and help them build the conduct frameworks that lending regulation demands — affordability, fair treatment of borrowers, and arrears handling that stands up to scrutiny.
What we cover
- Consumer credit and lending permissions
- Responsible lending and affordability assessment
- Conduct frameworks and fair treatment of customers
- Financial promotions and pre-contract disclosure
- Arrears, forbearance and collections
The application suite
- Regulatory business plan
- Lending and affordability policy
- Compliance and risk frameworks
- Financial model and capital position
- The authorisation application, start to finish
Where we authorise
United Kingdom
Full and limited consumer-credit permissions under the FCA.
Europe & beyond
National lending and credit-intermediary regimes.
Why firms use Pitchsd
We have led authorisations, run compliance functions and operated regulated firms — and dealt directly with regulators and the Financial Ombudsman. Our applications are written by people who have had to live with the frameworks they produce.
We also build the technology the business runs on, so the platform and the permission arrive together rather than being someone else's problem. And we can put senior people into the business — a fractional MLRO, non-executive directors, a CFO — through our network.