Flexible digital lending platform helping innovative lenders evolve and thrive in the mobile and digital age

Financier™ is a scalable software solution giving financial and credit providers the efficiency, agility and autonomy required
to lend responsibly and ensure customers are treated fairly whilst helping to drive competitive advantage.

Financier™ Loan System Software

Financier™ Loan System Software

About Welcom

Simplifying business operations for better customer experiences and outcomes

Designing and developing software solutions since 1978, Welcom Digital has the in-house expertise to provide innovative and effective solutions to a broad spectrum of industries and customers.

Welcom Digital

Welcom Digital

Our Solutions

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Financier™ Modules

Highly configurable API first loan management system offering end to end suite of integrated modules covering most types of consumer and commercial lending and delivery channels

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Websites / Portals

Expertise in delivering functionally rich ecommerce sites to integrated self-service portals and websites that can provide unique, personalised customer journeys

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Special projects

Digital retail solutions covering the whole retail business process including flexible credit options, ecommerce, point of sale, stock, and financials

Professional Services

With a team of experts, we bring together a wealth of
experience in consultancy, solution design and development, integration, and support.

 

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Project Management

From requirements capture to completion, our
Project Managers ensure the smooth delivery of
projects, providing governance through our
dedicated Project Management Office.

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Analysis & Consulting

Our Financier™ Business Analysts and Product Consultants are
experts in digital lending and can work with you
to translate business and operational requirements so that lenders can safely
meet regulatory obligations whilst maximising profitability

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Client Support

All our applications including in-house solutions,
hardware, databases, operating systems and
third party software are supported directly
through our dedicated Client Services team.

Why Choose Financier™?

Our multi-brand API first digital lending platform is a powerful solution that automates business processes and manages streamlined administration structures, allowing our clients more time to focus on good customer outcomes and meeting regulatory obligations.

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Over £10 billion transacted through Financier

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From smaller clients to FTSE100 companies

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Digital lending capability for the FinTech sector

What Our Clients Say

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We particularly like their partnership concept in systems development.

Andrew Cheyne, Don Fishing

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What Our Clients Say

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Welcom showed a high standard of knowledge, expertise, professionalism and research.

FGH (Freemans Grattan Holdings)

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What Our Clients Say

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Welcom Digital worked to understand and capture our requirements and then produced a system specification that adopted standard build options where possible and introduced custom built functionality where required.

Natalie Miller, CITB

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What Our Clients Say

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Thanks to all at Welcom for helping us to get over the line and deliver. Great team effort all round. 

Mike Palmer, Frasers Group Financial Services

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Our Insights

Consumer card spending at lowest point since 2022

Consumer card spending grew just 1.9 per cent year-on-year last month, significantly lower than the latest CPIH inflation rate of 4.2 per cent and the smallest growth since September 2022.

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Consumer confidence in the housing market declines

The latest Property Tracker survey from the Building Societies Association (BSA), reveals a decline in consumer confidence in the housing market. Just 17% of people agree now is a good time to buy a property, a decline from 20% just three months ago (Jan 2025). More than double this number didn’t think now was a good time to buy, with 38% disagreeing with the statement.

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Second charge mortgages grew by 9% in February

New figures released by the Finance & Leasing Association (FLA) show that second-charge mortgage new business volumes grew by 9% in February 2025.

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Consumer finance new business grew by 3% in February 2025

New figures released by the Finance & Leasing Association (FLA) show that consumer finance new business grew in February 2025 by 3% compared with the same month in 2024. In the first two months of 2025, new business in this market was 2% higher than in the same period in 2024.

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Second charge mortgages expand by nearly a third

Secured loans, often referred to as second charge mortgages, have cemented their position as the fastest-growing segment in the post-pandemic UK property finance market, according to new research by Pepper Money, the specialist mortgage lender.

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Mortgage lending fell slightly in February

Latest Bank of England data has shown that mortgage approvals slipped by 600 to 65,500 in February from a year ago, following a fall of 400 mortgage approvals in January.

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Call us on 0845 456 5859

Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 4565859

F 0845 4565253

Office hours

9am to 5.30pm Mon to Fri