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The Future of Consumer Financing

We empower consumer lenders with our data-driven smart decisioning technology and our capital

Our Partners

Regulated Banks

Tap into a restricted customer base without added regulatory pressure. Decrease RWA while boosting ROE.

Non-Bank Lenders

Increase conversions and boost volume. Underwrite faster to stand out in a dense field of competitors.

Embedded Lenders

Provide the best user experience for your customers by delivering a hassle-free installment lending program.

What We Do

Technology Driven Capital

Our deep credit financing knowledge and domain expertise allows us to provide our partners with fully optimised capital.

Smart Decisioning

Fionic's data-driven and machine-learning underwriting model significantly reduces default and loss rates while delivering risk-based pricing.

Best in Class Integration

Flexible and bespoke integration provides real-time decisioning on up to 1,000 applications per minute. Expert knowledge across all loan origination and management systems.

Our Team

Contact Us

100 Lombard Street, Toronto

+1 (416) 306 8650

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