Peach Finance
Peach Finance is an API-first loan management and servicing platform that helps fintechs, banks, and credit unions launch and scale lending products including BNPL, cards, and personal and business loans. Acquired by SoFi Technologies in May 2026.
- Company typePrivate
- Founded2018
- HeadquartersOakland, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Peach Finance does
Peach Finance (Peach Finance Inc.) is an API-first loan management and servicing platform founded in 2018 in Oakland, California, and acquired by SoFi Technologies in May 2026. The platform is purpose-built for the post-origination phase of consumer and small-business credit, supporting BNPL, credit and charge cards, personal installment loans, and business lending on a single configurable engine. Its core technology is the Adaptive Core, a configuration-driven servicing engine with 200+ (and in some places 250+) configuration variables that lets lenders ship new loan types and product variants without a code deploy; Loan Replay, which enables retroactive ledger corrections (backdating a payment, reversing a transaction, waiving a fee) while preserving the original audit trail; and Compliance Guard, a real-time pre-send contact engine covering FDCPA, SCRA, TCPA, UDAP, Reg F, and all 50 states plus DC. The platform is exposed as a public REST API with 566 operations across 356 endpoints, 80+ webhook event types, an OpenAPI 3.0.3 specification, and a sandbox environment, and is hosted on Google Cloud Platform in a virtual private cloud.
Peach serves two primary customer segments: fintechs (consumer-facing and B2B) that need to launch or scale lending products without building invisible plumbing in-house, and community/regional banks and credit unions modernizing legacy servicing stacks. Named customers include Square, Bill, Remitly, Earnest, Tilt, and Lend API. The company states $2B+ in active loans across 50+ lenders, 1M+ accounts supported, 99%+ system uptime, and 150% net revenue retention. Pricing is quote-based and structured per active loan per month, with multi-year enterprise contracts; supported portfolio migration from legacy systems is bundled at no additional cost. Go-to-market is sales-led enterprise field sales, supplemented by a public OpenAPI specification and developer documentation hub for engineer-led evaluation, content marketing (build-vs-buy and API-first whitepapers), and ecosystem partnerships with Visa, Mastercard, Lithic, Marqeta, Galileo, Twilio, Plaid, Google Cloud, and the three major US credit bureaus.
The company had raised $35.8M in disclosed funding across a $2M seed (October 2018, SciFi VC), a $5.5M round (November 2019, Nyca Partners), a $20M Series A (September 2021, led by Canapi Ventures), and a $10.3M Series B (October 2024). It is led by co-founder and CEO Eddie Oistacher, co-founder and CTO Eran Sandler, co-founder and COO Gur Brosh, and CRO Noah Trugman, with a sales and engineering bench drawn from Affirm, Enova, Square, Avant, and Prosper. Following the May 2026 SoFi acquisition, Peach operates as part of SoFi's Technology Solutions segment alongside Galileo and Technisys, with website branding indicating a forthcoming transition to the "SoFi Tech Solutions Platform."
Peach Finance firmographics
Firmographics- Name
- Peach Finance
- Legal name
- Peach Finance Inc.
- Website
- https://peachfinance.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- Peach Finance is an API-first loan management and servicing platform that helps fintechs, banks, and credit unions launch and scale lending products including BNPL, cards, and personal and business loans. Acquired by SoFi Technologies in May 2026.
- Ownership category
- akta.pro rank
Peach Finance industry classification
Industry- Product category
- Loan Servicing Software
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where Peach Finance is headquartered
LocationHeadquarters
- HQ city
- Oakland
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Peach Finance business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS Subscription — per active loan per month: Peach prices by active loan per month. For short-lifecycle loans, this keeps servicing cost tied to the months the loan is actually active. Recurring subscription revenue, with land-and-expand dynamics evident in stated 150% net revenue retention (customers launch product two, then three, on the same infrastructure).
- Enterprise SaaS / API platform licensing: Enterprise SaaS deal structure for fintech, bank, and credit union customers. Pricing is quote-based / not publicly disclosed on the website. Customers access the full API surface, white-label portals, and integration capabilities under a multi-year contract motion.
- Portfolio Migration Services: Supported portfolio migration is included at no extra cost, so it functions as a value-add / onboarding service rather than a separate revenue line — supports new customer acquisition and reduces switching cost from legacy loan servicing systems.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Priced per active loan per month (quote-based) |
| Subscription | Multi-year contract | Subscription enterprise contract (per-active-loan) |
Go-to-market motion4 records
Distribution channels2 records
Marketing channels7 records
Peach Finance product offering
Product offeringCore offering
Peach Finance provides an API-first loan management and servicing platform that handles the post-origination lifecycle for consumer and business lenders. Its Adaptive Core engine supports installment, revolving, BNPL, credit cards, and novel lending constructs via 200+ configuration variables, with built-in compliance (FDCPA, SCRA, TCPA, all 50 states + DC), omnichannel borrower communications, payments, and portfolio migration from legacy systems. The platform is sold as enterprise SaaS to fintechs, banks, and credit unions.
Differentiator
Problem solved
Functional benefit
Products and services
- Peach Platform (API-First Loan Management and Servicing Platform) API-first loan management and servicing platform with full REST parity, 566 operations across 356 endpoints, 80+ webhook event types, and a public OpenAPI 3.0.3 spec. Supports installment, revolving, BNPL, cards, and novel lending constructs on a single Adaptive Core engine. Includes white-label borrower portals, agent CRM, omnichannel communications, and three payment architectures (turnkey ACH/cards, BYO bank, or external post via API). Sold as enterprise SaaS to fintechs, banks, and credit unions.
- BNPL Servicing Solution
- Cards Servicing Solution Card servicing capability for charge cards, credit cards, and BNPL virtual cards. Supports sub-line structures with independent rates and grace periods, CARD Act compliance, statement timing, and dispute resolution inside the agent CRM. For lenders and program managers running credit, charge, or virtual card programs.
- Personal Loans Servicing Solution Personal loan servicing capability for secured or unsecured consumer installment loans, with per-active-loan-per-month pricing tied to the months the loan is actually active. For consumer installment lenders, including small-dollar, short-lifecycle personal loans.
- Business Loans Servicing Solution
- Supported Portfolio Migration Supported migration service from legacy loan servicing systems, included at no extra cost with onboarding. Uses Loan Replay technology to recreate full loan history from a small data set (borrower info, terms, basic events) via a six-step automatable process. Reduces switching cost from legacy systems for banks, credit unions, and fintechs.
- Peach REST API and Webhook Platform Public REST API with full parity covering the entire servicing platform, including 566 operations across 356 endpoints, 80+ webhook event types, three authentication methods, async-first design with optional sync mode, cursor pagination, and external ID support. Includes a downloadable OpenAPI 3.0.3 spec (JSON or YAML) and a sandbox environment. For engineering teams building loan creation, servicing, payments, compliance, and portfolio migration workflows.
Quantifiable outcome
- 50% P99 improvement on heaviest operations
- +8 more outcomes
Companies that use Peach Finance
Customer profileNamed customers6 records
Segments6 records
Ideal customer profiles4 records
Peach Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration18 records
Feature11 records
Peach Finance partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and flagship.
- JifiticoreJifiti and Peach Finance announced a strategic partnership to provide end-to-end lending infrastructure for community and regional banks. The joint solution combines Jifiti's white-labeled onboarding, loan origination, and underwriting orchestration with Peach's loan servicing and lifecycle management platform, creating a modular but unified system that enables financial institutions to deploy modern credit products faster while maintaining control over customer experience and compliance.
- SoFi TechnologiesflagshipSoFi Technologies acquired Peach Finance in May 2026 to integrate it into SoFi's Technology Solutions segment alongside Galileo and Technisys, forming a vertically integrated financial services infrastructure stack. Peach continues to operate (website branding notes 'Soon to be SoFi Tech Solutions Platform') and powers SoFi's enterprise fintech offerings.
- VisacorePeach partners with Visa to make it easy for issuers to launch new lending programs, whether for BNPL or another asset class. Peach is a member of Visa Fintech Partner Connect and certified as Visa Ready for BNPL, allowing BNPL programs to be certified faster.
- MastercardcorePeach supports lenders in developing BNPL solutions leveraging the Mastercard Installments program and is a member of the Mastercard Engage Partner Network. Card programs deploy through the same route.
- LithiccoreLithic supports Peach customers with virtual, physical, and digital wallet cards (prepaid, debit, or credit). Lithic handles card issuance for pre-purchase BNPL and credit card programs — one-time-use or multi-use virtual cards issued through Lithic's infrastructure, managed through Peach's servicing layer.
- MarqetacoreMarqeta allows Peach customers to instantly issue and process card payments through its open API platform. POS BNPL programs use Marqeta for instant card issuance and real-time spend controls.
- TwiliocorePeach leverages Twilio to optimize and streamline servicing communications, with omnichannel communications templates across six channels.
- PlaidcorePlaid provides financial data integration for account verification and balance checks. Peach customers' existing Plaid setup works with Peach payment instruments from day one.
- Google CloudcorePeach runs on Google Cloud Platform in a Virtual Private Cloud (VPC). Bank-grade cloud hosting; customer data does not share infrastructure with other tenants. Database replica syncs to GCS on customer schedule.
- ExperiancoreExperian is one of three credit bureaus Peach provides automated Metro 2 credit reporting to. Configurable and automated per loan program.
- EquifaxcoreEquifax is one of three credit bureaus Peach provides automated Metro 2 credit reporting to. Configurable and automated per loan program.
- TransUnioncoreTransUnion is one of three credit bureaus Peach provides automated Metro 2 credit reporting to. Configurable and automated per loan program.
- Galileo (a SoFi company)coreGalileo (now part of SoFi) provides card processing. Peach can run as a sub-ledger alongside Galileo through a webhook proxy, allowing lenders to start with one product without rip-and-replace. Now under common ownership with Peach following SoFi's acquisition.
- SendGridcoreEmail communications run through SendGrid with Peach templates, branding, and compliance checks.
- SnowflakecorePeach offers a database replica to Snowflake on the customer schedule, so analytics and investor reporting read Peach data directly.
Scale indicators14 records
Recent moves6 records
Expansion highlights8 records
Peach Finance competitors and assessment
Company assessmentDirect peers
- LoanPro: LoanPro is a loan servicing software platform for consumer, SMB, and specialty lenders. It competes directly with Peach in API-first loan management, payment processing, and configurable servicing rules, and serves a similar fintech and non-bank lender base.
- nCino: nCino provides a cloud banking platform with loan origination, account opening, and ongoing loan lifecycle management for banks and credit unions. It overlaps directly with Peach's bank and credit union segment on configurable lending infrastructure and regulatory coverage.
- Blend: Blend is a digital lending platform serving banks, credit unions, and fintechs with consumer, mortgage, and SMB lending workflows. While Blend is broader (including origination), its consumer lending and banking infrastructure overlaps materially with Peach's configurable loan management and compliance scope.
- Mambu: Mambu is a SaaS core banking platform used by fintechs and digital banks for deposits, lending, and account servicing. It competes with Peach in the configurable lending engine space, particularly for neobanks and fintechs building multi-product credit offerings.
- Provenir: Provenir offers a unified risk analytics and decisioning platform for onboarding, fraud, and credit decisioning. It overlaps with Peach in serving regulated lenders with configurable decisioning and servicing workflows, particularly in fintech and embedded finance deployments.
- Numerated: Numerated (now part of Alkami) provides digital lending platforms to community and regional banks, including business and consumer loan origination and servicing. It is a close comparable to Peach in the bank and credit union digital lending segment.
Broad incumbents
- Temenos: Temenos is an established core banking and loan management software vendor serving global banks. It overlaps with Peach's enterprise lending infrastructure offering but as part of a much broader core banking suite rather than a specialized lendtech platform.
- FIS: FIS is a broad financial technology incumbent providing loan servicing, core banking, and payments infrastructure to large banks and lenders. It overlaps with Peach in loan servicing but addresses the segment via legacy systems and large-scale bank relationships rather than modern API-first architecture.
- Jack Henry: Jack Henry provides core banking and lending technology to community and regional banks and credit unions. Its loan servicing and digital banking offerings overlap with Peach's bank and credit union segment as part of an established incumbent suite.
Emerging players
- Upstart: Upstart is an AI-driven lending platform that originates consumer loans via bank and credit union partners and increasingly licenses its technology. It is an emerging adjacent player with partial overlap in lending infrastructure, though more weighted to origination and AI underwriting than Peach's post-origination servicing focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks5 records
Key highlights7 records
Customer concentration
Peach Finance social profiles
Digital presencePeach Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Peach Finance leadership team
Management profileNumber of profiles
Profiles9 records
Peach Finance funding detail
Funding detailFunding overview
Funding rounds3 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Peach Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Peach Finance
What does Peach Finance do?
Peach Finance provides an API-first loan management and servicing platform that handles the post-origination lifecycle for consumer and business lenders. Its Adaptive Core engine supports installment, revolving, BNPL, credit cards, and novel lending constructs via 200+ configuration variables, with built-in compliance (FDCPA, SCRA, TCPA, all 50 states + DC), omnichannel borrower communications, payments, and portfolio migration from legacy systems. The platform is sold as enterprise SaaS to fintechs, banks, and credit unions.
Is Peach Finance a public or private company?
Peach Finance is a private company. It is classified as corporate owned and is currently acquired.
When was Peach Finance founded?
Peach Finance was founded in 2018. It employs 11 to 50 people.
Where is Peach Finance based?
Peach Finance is headquartered in Oakland, United States, in the North America region.
How does Peach Finance make money?
Three revenue lines are on record. SaaS Subscription — per active loan per month is the primary driver. The others are enterprise SaaS / API platform licensing and portfolio Migration Services.
Who are Peach Finance's main competitors?
Direct peers on record are LoanPro, nCino, Blend, Mambu, Provenir and Numerated. Broad incumbents are Temenos, FIS and Jack Henry. Upstart is listed as an emerging player.
Does Peach Finance have an API?
Yes. Peach offers a public REST API with full REST parity covering the entire servicing platform. The API includes 566 operations across 356 paths, 80+ webhook event types, three authentication methods, async-first design with optional sync mode, cursor pagination, and external ID support to avoid mapping work. Developers can build loan creation, servicing, payments, compliance, and portfolio migration workflows. A downloadable OpenAPI 3.0.3 spec is available in JSON or YAML, along with a full sandbox environment matching production. Access to API documentation and the docs hub is public. Developer documentation is at docs.peachfinance.com/api-docs/api-public.
What industry is Peach Finance in?
Peach Finance's product category is Loan Servicing Software. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 52231 and its SIC code is 6163.