Growing Power Inc.

What Growing Power Inc. does

Growing Power is a UK-focused online credit broker that operates as a trading name of Digitonomy Limited, a private limited company registered in England and Wales (company number 08385135) with its registered office at Steam Mill Business Centre, Chester. The company is authorised and regulated by the Financial Conduct Authority (Financial Services Register reference 690249) and is licensed by the Information Commissioner's Office (ZA007309). It is not a lender; it is an intermediary that matches UK-resident borrowers with a panel of more than 30 FCA-authorised lenders, providing access to loan products ranging from £100 to £10,000 over repayment terms of 3 to 60 months. The product surface spans cash loans, emergency loans, online loans, payday loans, quick loans, same-day loans, small loans, bad-credit loans, guarantor loans, short-term loans, and no-credit-check loans.

The core technical workflow is a self-serve online application completed via a web form in approximately five minutes, during which Growing Power runs a soft search on the applicant's financial history and matches them to suitable lenders on its panel without leaving a footprint on the credit file. Matched applicants are routed onward to the relevant lender's site to complete a full creditworthiness assessment (which may involve a hard search or Open Banking). The website is structured around an SEO-led page hierarchy, with dedicated landing pages for loan type, ticket size, term length, and credit profile. Positioning emphasises the consumer-facing attributes of speed (60-second decision, potential same-day funding), no customer fees, and no outbound phone contact.

Growing Power's revenue model is a commission-based take rate paid by lenders or other brokers when a customer introduced through the platform enters into a consumer credit agreement. No fees are charged to consumers for the brokerage service, and APRs on matched products range from 8.2% to a maximum of 1733% depending on lender and applicant circumstances. The go-to-market is fully self-serve and digital: 100% online, no branches, no phone-based sales, with distribution concentrated in organic and branded search for UK consumers seeking small-ticket, short-tenor, or subprime credit. The primary target segments are UK consumers with general credit needs (£100–£10,000) and bad-credit borrowers seeking guarantor-free options; secondary use cases include emergency expenses, debt consolidation, home improvements, car loans, holidays, and weddings. International customers are explicitly excluded. Leadership disclosed in the input is limited to the founder/CEO role.

Name

Growing Power Inc.

Legal name

Digitonomy Limited

Website

https://growingpower.org

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Growing Power is a UK FCA-authorised online credit broker (trading name of Digitonomy Limited) that matches UK consumers with a panel of 30+ lenders for £100–£10,000 loans over 3–60 months, using soft-search pre-screening and earning commission on funded originations.

Ownership category

akta.pro rank

Product category

Consumer Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

akta.pro secondary industry

Prime Unsecured Personal Loans (Installment) (FSAKAAAA)

Keywords

• Credit brokerage services
• Loan matching platform
• Consumer credit comparison
• Short-term lending broker
• Personal loan intermediary

Headquarters

HQ city

Milwaukee

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Lenders: Growing Power receives a commission from lenders or other brokers when a customer enters into a consumer credit agreement following an introduction through the website. This is the primary revenue stream for the credit brokerage service.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Growing Power operates as a UK-based online credit broker that matches individual consumers with personal loans ranging from £100 to £10,000 through a panel of over 30 FCA-authorised lenders. The service uses proprietary soft search technology to assess borrower eligibility and match applicants with suitable lenders without leaving a footprint on credit files or affecting credit scores. Loan decisions are returned within 60 seconds, with same-day funding possible if approved, and the service is free to consumers.

Product overview

Growing Power operates as a credit broker with access to a panel of over 30 FCA-authorised and regulated lenders. The core product is a loan matching service that uses soft search technology to match borrowers with suitable loan products from £100 to £10,000 with repayment terms of 3 to 60 months. The portfolio includes various loan types including cash loans, emergency loans, payday loans, same day loans, small loans, bad credit loans, guarantor loans, and short term loans. The service is free to use for customers and provides decisions within 60 seconds with potential same-day funding.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Matching/Broker Service Free online credit brokerage matching UK consumers aged 18+ with personal loans of £100 to £10,000 from a panel of over 30 FCA-authorised lenders. Uses soft search technology so customers can check eligibility without affecting their credit score; decisions returned within 60 seconds, with potential same-day funding if approved.
• Cash Loans Short-term personal loans for immediate cash needs, sourced via the broker's lender panel. Designed for UK consumers requiring quick access to funds for everyday spending.
• Emergency Loans Loans arranged to cover unexpected expenses such as urgent car repairs or appliance replacements. Marketed to UK consumers without savings who need a rapid financial bridge.
• Payday Loans Short-term, higher-cost loans typically repaid on the borrower's next payday. Matched via the broker's panel of FCA-authorised payday lenders.
• Same Day Loans

Quantifiable outcome

• Loan decision in 60 seconds
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Monevo: UK-based credit broker and lending marketplace that matches consumer loan applicants with a panel of lenders using soft-search-style eligibility checks — closely comparable model, customer segment, and product set to Growing Power.
• Loans Warehouse: UK credit broker aggregating personal and short-term loan products from a panel of FCA-regulated lenders, serving broadly the same non-prime and emergency-credit customers as Growing Power.
• Choose Wisely: UK credit broker operating a multi-lender panel across personal, guarantor, and short-term loans with soft-search eligibility; directly comparable in distribution model and target borrowers.
• Lending Expert: UK loan broker connecting consumers with a panel of FCA-authorised lenders across personal, short-term, and bad-credit loan categories — same horizontal brokerage model as Growing Power.

Broad incumbents

• MoneySupermarket: Large UK price-comparison platform offering personal loan comparison across a wide lender panel; competes for the same organic credit-intent traffic at significantly greater scale and brand strength.
• Compare the Market: Major UK comparator (part of BGL Group) covering personal loans and credit products via an extensive lender panel; competes for the same consumer loan-intent demand with much larger marketing budgets.
• Confused.com: Established UK comparator operating across personal loans and broader financial products; a broad incumbent that overlaps with Growing Power on consumer credit search demand.

Emerging players

• ClearScore: UK consumer credit platform combining free credit reports/scores with personalized loan and card offers from a lender panel; partial overlap on credit-discovery and loan-matching, with an emphasis on credit-building rather than broker commissions.
• Zopa: UK digital bank offering personal loans alongside savings and credit cards; competes indirectly by enabling consumers to obtain credit directly rather than through a broker panel like Growing Power's.

Others

• LendingTree: US-based online lending marketplace matching consumers with multiple lenders via soft-search eligibility; the closest international analogue to Growing Power's multi-lender brokerage model and a useful benchmark for category economics.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GrowingPower
• Facebookfacebook.com/growingpower
• LinkedInlinkedin.com/company/growing-power-inc.

Revenue estimate

Valuation estimate

Number of profiles

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 Growing Power Inc.