Smart-Pig

What Smart-Pig does

Smart-Pig (operating as smart-pig.com) is a US-based online loan matching and referral platform headquartered in Birmingham, Alabama, connecting individual borrowers with a network of direct lenders. The company offers lead generation across six loan categories: payday loans ($100-$1,000), installment loans (up to $5,000+), title loans (up to $10,000), personal loans (up to $35,000), tribal loans ($300-$5,000), and allotment loans for federal employees. The platform is not a direct lender and does not make credit decisions; it collects borrower information through online application forms (web and Android app) and routes qualified leads to participating lenders, who perform credit checks and underwriting using data integrations with TransUnion, Equifax, Experian, Microbilt, Teletrack, DP Bureau, and DataX.

Name

Smart-Pig

Legal name

smart-pig.com

Website

https://smart-pig.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Smart-Pig is a US-based online loan matching platform that connects individual borrowers with a network of direct lenders across payday, installment, title, personal, tribal, and federal employee loan products.

Ownership category

akta.pro rank

Product category

Online Consumer Lending / Loan Referral Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

Keywords

• Loan matching service
• Online lending marketplace
• Consumer loan referral
• Bad credit loans
• Emergency loan platform

Headquarters

HQ city

Leamington Spa

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Loan Referral/Matching Fees: smart-pig.com operates as a loan referral service that connects consumers with prospective lenders in their network. The company receives compensation from participating lenders for referring qualified borrowers. The service is free for consumers - registration and use of the website is at no cost to the borrower.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Smart-Pig operates an online loan matching and referral platform that connects US consumers with a network of direct lenders offering payday loans, installment loans, title loans, personal loans, tribal loans, and allotment loans for federal employees. The company is not a direct lender itself; instead, it collects borrower information through an online application and shares it with participating lenders in exchange for referral fees. Loan amounts range from $100 to $35,000, with same-day funding available to qualified applicants.

Product overview

Smart-Pig is a loan matching/advertising referral service that connects US borrowers with direct lenders offering various loan products. The platform operates through its online application form and matches applicants with lenders in its network. The product portfolio includes Payday Loans (up to $1,000), Title Loans (up to $10,000, collateral-based), Personal Loans (up to $35,000), Installment Loans (up to $5,000), Tribal Loans ($500-$5,000), and Allotment Loans for Federal Employees. Smart-Pig is not a direct lender itself but serves as an intermediary connecting borrowers seeking various loan types with appropriate lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• Payday Loans
• Personal Loans
• Title Loans
• Installment Loans
• Tribal Loans
• Allotment Loans for Federal Employees

Quantifiable outcome

• Same-day approval and funding available for qualified applicants
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature2 records

Partnerships

Two partnerships are on record, tiered minor and core.

• CompacomminorGTM or Marketing PartnerCompacom.com is a financial product comparison and review platform that features Smart Pig reviews and testimonials. Smart Pig customer reviews are displayed on Compacom's website as part of their lending reviews section. The partnership provides third-party validation and referral traffic to Smart Pig's services.
• Participating Lenders (Lender Partners)coreOthersSmart-Pig operates a network of direct lenders who receive borrower referrals from the platform. These Lender Partners review applications, perform credit checks, and make loan decisions. The company shares consumer information with participating lenders who may offer loans ranging from $100 to $35,000.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• MoneyLion: Mobile-first consumer finance platform offering cash advances, credit-building loans, and matched third-party financial products. Overlaps with Smart-Pig on short-term credit matching and adjacent personal-loan products, with an additional direct-lending component via Even.

Direct peers

• Credible: Loan marketplace comparing student loan refinancing, personal loans, and mortgages from multiple lenders in a single application. Closely aligned marketplace/aggregator model and lender-paid referral economics to Smart-Pig.
• Fiona: Loan matching platform aggregating personal loan offers from multiple lenders through a single application. Nearly identical consumer-facing marketplace mechanics and lender-monetization model to Smart-Pig.
• Even Financial: Financial product search and API-matching platform connecting consumers with personal loans, credit cards, and other products via lender integrations. Operates the same broker-side lead-matching infrastructure as Smart-Pig, including embedded channels.
• SuperMoney: Loan comparison marketplace offering multiple loan types from competing lenders. Same lead-gen-plus-comparison orientation as Smart-Pig, with shared SEO-driven content strategy.

Broad incumbents

• Credit Karma: Free consumer platform matching users to credit cards, loans, and other financial products via lender referral. Comparable business model (free-to-consumer, lender-paid) with a wider product taxonomy but overlapping personal-loan and bad-credit matching.
• LendingTree: Largest US loan comparison marketplace across mortgage, personal, auto, and credit cards. Both Smart-Pig and LendingTree operate loan-matching funnels that connect consumers with multiple lenders and monetize via referral fees — LendingTree is the broad incumbent version of Smart-Pig's narrower bad-credit, short-term-credit focus.
• Finder.com: US financial product comparison site (personal loans, credit cards, banking) monetizing via affiliate referral fees. Operates in the same content-plus-lender-affiliate category as Smart-Pig across a broader financial-product taxonomy.
• NerdWallet: Content-driven financial comparison platform monetizing via lender referrals across loans, credit cards, banking, and insurance. Directly comparable content-marketing-plus-affiliate model to Smart-Pig's SEO-and-lender-referral playbook.

Others

• Compacom: Financial product comparison and review platform already a disclosed partner of Smart-Pig. Adjacent/ecosystem partner rather than a direct competitor — overlaps Smart-Pig's review-and-referral content structure.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key highlights6 records

Customer concentration

• Xx.com/SmartPigLoans

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Smart-Pig