DPR
Finova is a UK-based cloud SaaS provider of lending and savings technology serving banks, building societies, specialist lenders, equity release providers and brokers with an end-to-end platform for origination, servicing, decisioning, broker management and customer portals.
- Company typePrivate
- Founded1996
- HeadquartersQuay, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What DPR does
Finova is a UK-based cloud SaaS provider of lending and savings technology, serving banks, building societies, specialist lenders, equity release providers and brokers across the UK financial services market. Its platform unifies origination, servicing, decisioning, intermediary management, broker CRM and customer-facing portals into a single configurable system, replacing legacy point solutions for mortgage and savings workflows. The two flagship offerings are Lending — a whole-market solution that consolidated the former Apprivo brand and the MSO retail lending platform — and Savings, which covers instant access, fixed-term, cash and investment-based deposit products.
The platform is built on a low-code architecture with intelligent document processing (SmarterDocs), mobile apps for customers and brokers, and an ISO 27001 and ISO 27017 certified security posture. Finova monetises primarily through multi-year enterprise subscriptions sold via direct field sales to UK financial institutions, supplemented by a transaction-fee revenue stream from its Broker Payments module (a 50% profit-share on procuration fees, paid quarterly). Reported customer outcomes include £500 billion+ in loans originated, £47.5 billion under management and 1,000+ clients, with named adopters including TSB, Atom Bank, Metro Bank, Aldermore, Coventry Building Society, Yorkshire Building Society, Principality Building Society and Leeds Building Society.
The company holds UK Finance Associate Membership and Equity Release Council membership, signalling deep UK regulatory alignment. Leadership includes CTO Kevin Gaut and Managing Director Jim Sadler. Public information does not disclose revenue, funding, ownership or headcount, and the company's geographic scope is described as UK-only.
DPR firmographics
Firmographics- Name
- DPR
- Legal name
- Finova
- Website
- https://dpr.co.uk
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Finova is a UK-based cloud SaaS provider of lending and savings technology serving banks, building societies, specialist lenders, equity release providers and brokers with an end-to-end platform for origination, servicing, decisioning, broker management and customer portals.
- Ownership category
- akta.pro rank
DPR industry classification
Industry- Product category
- Lending and Savings Technology Software
- NAICS
- Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where DPR is headquartered
LocationHeadquarters
- HQ city
- Quay
- HQ country
- United States
- HQ region
- North America
Markets served
DPR business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Lending Technology Platform: SaaS platform for lending operations including whole-market solution and retail lending platform MSO. Revenue likely derived from platform licensing and subscription fees to lenders.
- Savings Technology Platform: Platform enabling instant access and fixed cash and investment-based savings products. Revenue from financial institutions using the platform.
- Broker Services: Includes Broker CRM, Broker ID, and Broker Payments with 50% profit share on proc fees paid quarterly to brokers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise pricing for financial institutions |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
DPR product offering
Product offeringCore offering
Finova provides an end-to-end cloud-based lending and savings technology platform for UK financial institutions, covering the origination, servicing, and management of mortgage and savings products. The platform is modular, offering standalone suites for Lending, Savings, Servicing, Decisioning, and broker-facing tools (Intermediary Manager, Broker CRM, Broker Payments, Broker ID, and Mobile App) that can be adopted individually or combined.
Product overview
Finova is a platform-based provider of lending and savings technology for the UK market. The portfolio consists of core products (Lending and Savings), complemented by add-on modules (Servicing, Decisioning, Intermediary Manager, Broker CRM, Broker Payments, Broker ID, and Mobile App) and features (SmarterDocs, Customer Portal, Retention Portal). The Lending product includes the whole-market solution (formerly Apprivo) and retail lending platform MSO. The platform supports residential lending, buy-to-let, specialist lending, equity release, and Islamic finance, serving banks, building societies, specialist lenders, equity release providers, and brokers. Finova emphasizes a low-code approach with configurable interfaces, intelligent automations, and continuous updates based on client feedback.
Differentiator
Problem solved
Functional benefit
Brands
- Lending: Flagship lending product including whole-market solution (formerly Apprivo) and retail lending platform MSO.
- Savings
- Servicing
- Decisioning
- Intermediary Manager
- Broker CRM
- Broker Payments
- Broker ID
- Mobile app
- SmarterDocs
- Customer Portal
- Retention Portal
Products and services
- Lending
Quantifiable outcome
- 40% growth achievable without increasing headcount
- +2 more outcomes
Companies that use DPR
Customer profileNamed customers19 records
Segments5 records
Ideal customer profiles3 records
DPR technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
DPR partnerships and signals
Strategic signalScale indicators4 records
Recent moves3 records
Expansion highlights5 records
DPR competitors and assessment
Company assessmentBroad incumbents
- Temenos: Temenos is a large Swiss-headquartered banking software vendor offering lending, core banking and wealth modules. It competes with Finova at the platform layer for UK and European lenders but operates across a much broader banking portfolio.
- Sopra Banking Software: Sopra Banking Software provides lending, savings and core banking platforms across Europe. It serves UK lenders with capabilities directly overlapping Finova's lending and savings technology, but as part of a wider European banking software portfolio.
- FIS (Fidelity National Information Services): FIS is a global financial technology provider with mortgage origination, servicing and decisioning products that overlap with Finova's stack. It competes broadly for the same UK enterprise banking IT budgets as a much larger, multi-product incumbent.
- Mortgage Cadence (Accenture): Mortgage Cadence, owned by Accenture, provides enterprise mortgage origination technology to large US and select international lenders. It overlaps with Finova's MSO lending platform in mortgage workflow automation, though it sits inside a much larger consultancy parent.
- Black Knight (ICE Mortgage Technology): Black Knight, now part of Intercontinental Exchange, provides mortgage origination, servicing and decisioning software that overlaps directly with Finova's lending stack. It is a major US-centric incumbent competing for enterprise mortgage technology budgets.
Direct peers
- nCino: nCino is a cloud-native banking platform focused on commercial, retail and mortgage lending workflows. It overlaps directly with Finova's lending origination, decisioning and CRM capabilities, even though its strongest footprint is US-focused rather than UK.
- Finastra: Finastra is a London-headquartered global provider of financial software including lending, core banking and mortgage origination suites. It is the most direct UK-relevant competitor to Finova, serving many of the same banks and building societies with overlapping lending and savings technology.
Emerging players
- Mambu: Mambu is a cloud banking platform providing composable lending and deposit account capabilities. It targets the same digital-first banks and lenders that Finova sells to, though its core banking emphasis makes it a partial rather than full competitor.
- Thought Machine: Thought Machine is a UK-based cloud-native core banking platform whose lending and savings products increasingly overlap with Finova's lending and savings modules. It is a credible emerging alternative for UK challenger banks and incumbents modernizing their stacks.
Regional players
- IE Mortgage Solutions: IE Mortgage Solutions is an Ireland- and UK-focused mortgage origination and lending technology provider. It directly mirrors Finova's UK mortgage software focus but from a primarily Irish geographic base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks2 records
Key highlights6 records
Customer concentration
DPR social profiles
Digital presenceDPR compliance and trust
Trust signalCompliance4 records
DPR financial estimates
Financial estimateRevenue estimate
Valuation estimate
DPR leadership team
Management profileNumber of profiles
Profiles2 records
DPR funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DPR 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 DPR
What does DPR do?
Finova provides an end-to-end cloud-based lending and savings technology platform for UK financial institutions, covering the origination, servicing, and management of mortgage and savings products. The platform is modular, offering standalone suites for Lending, Savings, Servicing, Decisioning, and broker-facing tools (Intermediary Manager, Broker CRM, Broker Payments, Broker ID, and Mobile App) that can be adopted individually or combined.
Is DPR a public or private company?
DPR is a private company. It is classified as unknown and is currently operating.
When was DPR founded?
DPR was founded in 1996. It employs 51 to 100 people.
Where is DPR based?
DPR is headquartered in Quay, United States, in the North America region.
How does DPR make money?
Three revenue lines are on record. Lending Technology Platform is the primary driver. The others are savings Technology Platform and broker Services.
Who are DPR's main competitors?
Broad incumbents on record are Temenos, Sopra Banking Software, FIS (Fidelity National Information Services), Mortgage Cadence (Accenture) and Black Knight (ICE Mortgage Technology). Direct peers are nCino and Finastra. Emerging players are Mambu and Thought Machine. IE Mortgage Solutions is listed as a regional player.
Does DPR have an API?
No public API is recorded for DPR.
What industry is DPR in?
DPR's product category is Lending and Savings Technology Software. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 5223 and its SIC code is 6199.