Speedy Group Holdings Corporation

What Speedy Group Holdings Corporation does

Speedy Group Holdings Corporation, operating under the Speedy Cash brand, is a U.S. private consumer financial services company founded in 1997 and headquartered in Carrollton, Texas. It provides short-term and small-dollar credit products — payday loans, installment loans, title loans, and lines of credit — to consumers across more than 20 U.S. states, complemented by ancillary money services including check cashing, money orders, money transfers, and a Green Dot Visa prepaid debit card offered in partnership with Green Dot Bank. Loan products are state-specific in amount, structure, and pricing, with maximums ranging from $200 (Wyoming payday) to $25,000 (Missouri/Arizona title loans), reflecting compliance with each state's deferred deposit and small-loan regulatory framework.

The company distributes its products through an omnichannel model combining company-owned retail storefronts, a proprietary digital lending platform (secure.speedycash.com), and telephone-based application processing with same-day and instant-debit-card funding options. Customer acquisition is supported by content marketing, organic social media, third-party review platforms (Trustpilot, Consumer Affairs), email, and a $50-per-referral referral program targeting an accumulated base of more than 10 million customers over 25 years. The revenue model is transactional per loan originated, supplemented by transaction-fee income from ancillary services; the company is a member of the Online Lenders Alliance and is privately held with no public revenue disclosure, no parent company identified, and no disclosed institutional or venture ownership.

Corporate leadership comprises co-founder Chad Faulkner and President and CEO Don Gayhardt. The company's competitive positioning rests on multi-state regulatory licensing, multi-channel distribution, brand longevity, and integration with adjacent unbanked-consumer services (prepaid cards, money orders, transfers) that extend the customer relationship beyond a single loan transaction.

Name

Speedy Group Holdings Corporation

Legal name

Speedy Group Holdings Corporation

Website

https://speedycash.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Alternative Consumer Lending

akta.pro primary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

Keywords

• Short-term consumer lending
• Payday loan services
• Alternative financial services
• Title secured lending
• Check cashing services

Headquarters

HQ city

Wichita

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Payday Loans: Short-term consumer loans typically due on the borrower's next payday. Charged as flat fees per loan, with amounts varying by state (e.g., up to $500 in Alabama, $255 in California, $825 in Indiana, $2,500 in Nevada, $425 in Tennessee, $200 in Wyoming).
2. Installment Loans: Loans repaid in scheduled payments over time with fixed interest rates. Available amounts range up to $5,000 (Wisconsin), $3,250 (Mississippi), $1,824 (Oklahoma), $750 (Arizona Express). Interest accrues daily on outstanding principal.
3. Title Loans: Secured loans using vehicle title as collateral. Borrowers retain vehicle possession while the title is held by Speedy Cash until the loan is repaid. Available up to $25,000 in some states (e.g., Missouri, Arizona). Subject to minimum auto value requirements.
4. Lines of Credit: Revolving credit access allowing ongoing borrowing up to approved limits ($3,000 in Idaho, $4,000 in Missouri). Customers pay daily interest only on outstanding principal amounts drawn.
5. Check Cashing: In-store check cashing services for customers who may not have bank accounts. Provides quick access to funds without requiring a banking relationship.
6. Money Orders: Purchase of money orders as a reliable alternative to cash, widely accepted for bill payments and person-to-person transfers.
7. Money Transfers: Wire transfer services enabling domestic and international fund transfers to family, friends, and businesses.
8. Green Dot Visa Debit Card: Partnership with Green Dot Bank to offer prepaid debit cards enabling direct deposit receipt, bill payments, and purchases. Revenue derived from card-related fees per the Green Dot program terms.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Speedy Group Holdings Corporation (operating as Speedy Cash) provides short-term consumer loans and ancillary financial services—including payday loans, installment loans, title loans, lines of credit, check cashing, money orders, money transfers, and prepaid debit cards—to individual consumers through physical retail storefronts, an online platform, and a phone application channel across 24 U.S. states. The company has served more than 10 million customers since its founding in 1997.

Product overview

Speedy Cash operates as a financial services company offering a comprehensive suite of loan products and money services. The core lending products include Payday Loans (short-term emergency loans repaid on the next payday), Installment Loans (repaid over time with scheduled payments), Title Loans (secured using vehicle title as collateral), and Lines of Credit (revolving credit access). These are complemented by ancillary money services including check cashing, money orders, money transfers, and the Green Dot Visa Debit Card. The company serves customers through both physical store locations and online platforms, with loan availability and terms varying by state. Founded in 1997, Speedy Cash has served over 10 million customers and operates as a subsidiary of Speedy Group Holdings Corporation.

Differentiator

Problem solved

Functional benefit

Products and services

• Payday Loans Short-term, small-dollar cash advance loans intended to be repaid in a single lump sum on the borrower's next payday, offered to individual consumers who need fast access to cash between paychecks.
• Installment Loans Multi-payment consumer loans repaid in fixed scheduled installments over a longer term than payday loans, designed for borrowers who need a larger cash amount than a single-paycheck loan provides.
• Title Loans Loans secured by the borrower's vehicle title, allowing consumers to access cash based on the value of their car while continuing to drive it, repaid according to a defined schedule.
• Express Title Loans (Arizona) A state-specific, expedited title loan product variant marketed to consumers in Arizona under the Speedy Cash brand.
• Line of Credit Revolving open-end credit line that allows approved consumers to draw funds up to a limit as needed, with interest accruing on outstanding balances.
• Check Cashing Retail check cashing service that allows consumers to cash payroll, government, and other checks at Speedy Cash locations for a fee, without requiring a bank account.
• Money Orders Sale of money orders to consumers who need a guaranteed, prepaid payment instrument, available at Speedy Cash store locations for a transaction fee.
• Money Transfers Outbound and inbound money transfer services enabling consumers to send and receive funds domestically and internationally through Speedy Cash store locations for a transaction fee.
• Green Dot Visa Debit Card Prepaid Visa debit card issued by Green Dot and distributed through Speedy Cash locations, giving underbanked consumers a reloadable, FDIC-insured payment card without requiring a traditional bank account.

Quantifiable outcome

• Serving customers since 1997
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Green Dot BankcoreOthersPartnership to offer Green Dot Visa Debit Cards at Speedy Cash locations. Green Dot Bank, Member FDIC, issues the prepaid cards under Visa license. Cards enable direct deposit, bill payment, and purchase capabilities for customers without traditional bank accounts. Cards also operate under registered trade names GO2bank, GoBank, and Bonneville Bank.
• Online Lenders Alliance (OLA)coreOthersIndustry membership organization for online and alternative lenders. Speedy Cash membership demonstrates commitment to OLA best practices, consumer protection standards, and responsible lending practices. The OLA seal is displayed on the company website as a trust signal.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Advance America: One of the largest U.S. payday and installment lenders operating across physical storefronts and online, serving a nearly identical underbanked consumer base with similar multi-state, multi-product offerings.
• ACE Cash Express: Direct competitor offering payday loans, installment loans, title loans, and prepaid debit cards through a multi-state retail and online network targeting the same unbanked/underbanked demographic.
• Check Into Cash: National payday, installment, and title lender with a comparable store-plus-online distribution model and overlapping state footprint, competing head-to-head on price, speed, and product range.
• Lendmark Financial Services: Branch-based consumer installment lender offering personal loans to near-prime borrowers; closely comparable to Speedy Cash's installment-loan and line-of-credit books and customer profile.
• World Acceptance Corporation: Retail consumer-finance company offering installment and other personal loans to underbanked customers across the U.S. — directly comparable to Speedy Cash's installment and title offerings.
• Regional Management Corp. Multi-branch consumer installment lender serving near-prime borrowers across the South and Midwest; directly comparable to Speedy Cash's installment footprint and target segment.

Broad incumbents

• OneMain Holdings: Largest U.S. installment lender to non-prime consumers, offering larger-ticket personal loans with similar underwriting and branch distribution; broader scale but overlapping customer use case.
• Enova International: Diversified online consumer and small-business lender (including subprime installment and lines of credit); competes with Speedy Cash's digital channel in the underbanked segment and shares regulatory exposure.
• EZCORP: Pawn and short-term consumer lender operating pawn stores and lending products; overlaps with Speedy Cash's title-loan and small-dollar credit offering to similar customers.
• FirstCash Holdings: Leading pawn-services retailer in the U.S. and Latin America; competes for the same cash-constrained, unbanked consumer wallet with collateral-based short-term credit products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/speedycash
• Facebookfacebook.com/speedycashusa
• Instagraminstagram.com/therealspeedycash
• LinkedInlinkedin.com/company/speedy-cash

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Speedy Group Holdings Corporation