What Lenvi does

Lenvi is a Leeds-headquartered lending technology and services provider, operating as part of the Equiniti Group under Orbit Private Holdings I Ltd. It was formed in 2023 by consolidating three established Equiniti-owned fintech businesses — EQ Credit Services, EQ RiskFactor, and EQ KYC Solutions — into a 320-plus-person international team with offices in Leeds, Cardiff, Crawley, Poland, and India. The company positions itself as the largest FCA-regulated provider of loan platforms in the UK, serving 150+ lenders managing £100bn+ in credit assets and 6 million active loans across mortgage, motor finance, secured loans, unsecured lending, receivables finance, retail finance, and capital markets verticals.

The core platform is Lenvi PF1, a cloud-native, API-first loan management system hosted on Microsoft Azure and built on containerised Kubernetes architecture with an open SDK. It is complemented by Lenvi Riskfactor (ML-driven receivables finance risk management), Lenvi KYC (AI-infused identity verification), Lenvi ALVIN (automated loan verification), and AIDA (NLP-based document analysis for inbound communications). Lenvi holds a Fitch RPS2- servicer rating for primary residential mortgage servicing and ISO 22301, 9001, and 27001 certifications. Named customers include Barclays, Santander, Metro Bank, Virgin Money, Aldermore, Secure Trust Bank, Funding Circle, MotoNovo Finance, Close Brothers, Development Bank of Wales, and 247 Money.

Lenvi monetises through enterprise B2B SaaS licensing for PF1, Riskfactor, and KYC; managed mortgage and loan servicing through a dedicated Cardiff contact centre; lender compliance services; and standby servicing solutions. Pricing is quote-based and not publicly disclosed, with annual contracts sold via direct field sales for Tier 1 lenders and an inside sales motion for mid-market and challenger lenders, supplemented by a 'Book a Demo' self-serve entry point and thought-leadership-driven content marketing.

Name

Lenvi

Legal name

Lenvi Limited

Website

https://lenvi.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

251–500 employees

Short description

Lenvi provides cloud-native loan management software, AI-driven risk and KYC tools, and managed mortgage and loan servicing to 150+ UK and European lenders across mortgage, motor, unsecured, and receivables finance.

Ownership category

akta.pro rank

Headquarters

HQ city

Leeds

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Loan Management Software Licensing (Lenvi PF1): Lenvi PF1 is licensed to lenders as a configurable SaaS/platform solution. The platform covers origination, loan management, collections, and mortgage servicing. Revenue is derived from platform licensing, configuration, and ongoing support. Multiple customers (247 Money, MotoNovo Finance, Development Bank of Wales, Close Brothers) are referenced as platform clients.
2. Risk Management Software (Lenvi Riskfactor): Lenvi Riskfactor provides risk and portfolio management software for receivables finance and ABL lenders. Machine learning capabilities are an additional layer within the platform. Revenue generated through software licensing on a recurring subscription basis.
3. KYC / Compliance Software: Lenvi KYC provides AI-infused compliance and identity verification services to lenders. Revenue from software licensing and ongoing service fees.
4. Mortgage and Loan Servicing (Contact Centre Services): Lenvi provides fully managed mortgage and loan servicing through its dedicated contact centre in Cardiff. Servicing is offered as a standalone service or bundled with software. Includes standby servicing as a contracted solution for lenders needing continuity-of-business coverage.
5. Lender Compliance Services: Ongoing compliance reviews, audits, and regulatory consultations. Provided by Lenvi's expert compliance team to guide lenders through Consumer Duty, FCA obligations, and broader regulatory requirements.
6. Collections Services: Collections software and managed collections services provided to lenders, including digital-first collections tools integrated into the Lenvi PF1 platform. 247 Money case study references collections services as part of the broader Lenvi partnership.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Lenvi provides lending software (Lenvi PF1 platform), outsourced loan servicing, collections, standby servicing, and risk analytics software for lenders. The company sells an integrated, cloud-native loan management platform alongside managed services including contact-centre mortgage servicing, KYC, compliance consulting, and backup/standby servicing.

Product overview

Lenvi offers a comprehensive fintech+ lending technology platform consisting of the Lenvi PF1 core platform with modular capabilities spanning loan origination, loan management/servicing, auto finance, mortgage servicing, and collections. The platform is complemented by specialised risk management software (Lenvi Riskfactor with machine learning), KYC/compliance solutions (Lenvi KYC), and value-added services including lender compliance services, mortgage and loan servicing contact centre support, and standby servicing solutions. The architecture is API-first, cloud-native (Microsoft Azure), and uses containerised deployment with an open-source SDK for extensibility. Lenvi serves 150+ lenders with over £100bn in credit assets managed.

Differentiator

Problem solved

Functional benefit

Brands

• Lenvi PF1: Comprehensive loan management software platform spanning origination, servicing, and collections.
• Lenvi Riskfactor
• Lenvi KYC
• Lenvi AIDA

Products and services

• Lenvi PF1 Loan Management Platform End-to-end, cloud-native, API-first loan management platform covering origination, loan management, collections, and mortgage servicing for lenders. Configurable, containerised, hosted on Microsoft Azure, with embedded compliance and Open Banking integration.
• Loan Origination Software Fully configurable, scalable loan origination software that automates workflows for applications, processing, pricing, and funding, delivering digital transformation for lenders.
• Auto Finance Software Highly configurable auto finance software spanning origination, servicing, and collections for motor lenders, with intelligent workflows, transparent data, and open APIs including Green Finance support for EV/hybrid lending.
• Mortgage Servicing Software Award-winning PF1-based mortgage servicing platform supporting residential, second charge, buy-to-let, and equity release mortgages with AI-enhanced workflows, embedded Consumer Duty compliance, vulnerability detection, and intuitive dashboards.
• Collections Software Collections management software that reduces costs, increases efficiency, and streamlines the collections cycle for lenders.
• Invoice Factoring Software Intuitive and proactive risk monitoring software for receivables finance, reducing risk and improving efficiency while growing credit portfolios.
• Lenvi Riskfactor Risk and portfolio management software for receivables finance and asset-based lending firms, providing client/debtor profiling, risk scoring, and machine learning-powered forecasting.
• Lenvi ALVIN Automated Loan Verification Automated loan verification solution that streamlines the verification process for lenders.
• Lenvi KYC Solutions AI-infused Know Your Customer services for creditworthiness assessment, document analysis, and classification, ensuring ongoing compliance and proactive financial stability and risk assessment for lenders.
• Lender Compliance Services Ongoing compliance reviews, audits, and consultations covering Consumer Duty obligations, vulnerability protocols, FCA regulatory reporting, and general compliance governance for lenders.
• Mortgage and Loan Servicing Fully managed mortgage and loan servicing delivered through a dedicated contact centre, handling customer interactions, account management, and portfolio servicing for lenders.
• Standby Servicing Solutions Technology-led backup servicing that ensures portfolios are fully administered if the primary lender's business is disrupted, designed for minimal investor fund return disruption.

Quantifiable outcome

• Case handling time reduced by 39% using AIDA AI document analysis
• +9 more outcomes

Named customers14 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability6 records

Feature9 records

Partnerships

Three partnerships are on record, tiered core and minor.

• MicrosoftcoreTechnology or IntegrationLenvi has a strong partnership with Microsoft, providing beneficial access to Microsoft's vast investments in AI experimentation and innovation. Lenvi PF1 is hosted on Microsoft Azure. Lenvi leverages Azure's Document Intelligence, ML Studio, and Large Language Models (LLMs) for its AIDA platform and broader AI-infused product development.
• EQ India Private LimitedminorOthersLenvi utilises the services of EQ India Private Limited within its international operations. EQ India enforces an anti-sexual harassment policy protecting employee safety, has a defined pay structure ensuring salaries are competitive and fair in the market, and is compliant with Agency Worker Regulations.
• WoodhurstminorStrategic or Co-development PartnerWoodhurst is a management consultancy that works closely with building societies to help them modernise and navigate sustainable transformation. Kieron Meakin, Lenvi Sales Director, co-authored an article with Lydia Coyle from Woodhurst on technology transforming mortgage lending for building societies. The partnership reflects Lenvi's go-to-market approach for the building society segment.

Scale indicators19 records

Recent moves8 records

Expansion highlights6 records

Emerging players

• Provenir: AI-powered risk decisioning platform for lenders, providing fraud, credit and onboarding decisioning. Comparable to Lenvi's Riskfactor and AIDA AI capabilities as a more emerging, AI-native underwriting and risk competitor intersecting the same workflow.

Others

• GBG (Loqate): UK-headquartered identity verification, KYC and AML data provider. Comparable as an enabling/adjacent provider in the same UK lender KYC and compliance workflow that Lenvi KYC serves, though GBG operates a pure data/verification product layer.

Direct peers

• nCino: Cloud-native bank and lending platform built on Salesforce, offering commercial and consumer loan origination and portfolio management. Directly comparable to Lenvi PF1's cloud-native, API-first architecture and lender-focused workflow automation.
• Turnkey Lender: SaaS lending platform providing origination, decisioning, loan management and collections for consumer and SME lenders. Directly comparable to Lenvi PF1 as a multi-product, SaaS-style lending platform, though more weighted toward unsecured/alternative lenders.
• NETSOL Technologies: Provider of asset finance and lending software, with strong positions in auto finance and leasing platforms (e.g., NFS Ascent). Directly comparable to Lenvi's auto-finance software module and broader asset-based lending functionality.

Broad incumbents

• Finastra: One of the largest global providers of banking and lending software, including loan origination and loan management suites that overlap directly with Lenvi PF1's capabilities. Comparable as a horizontally broad incumbent serving commercial and retail lenders worldwide, against Lenvi's more specialised UK mid-market and tier-1 focus.
• FIS (Fidelity National Information Services): Global financial technology provider with extensive lending, servicing and capital markets software. Comparable to Lenvi's mortgage servicing and riskfactor-style capabilities through its broad lending technology stack, including predecessor systems used by UK lenders.
• Temenos: Global banking software vendor with lending, origination and servicing modules used by hundreds of banks. Comparable to Lenvi as an established loan management software player, though much broader in scope and serving primarily tier-1 international banks.
• Sopra Banking Software: European banking software provider offering lending, mortgage and retail finance platforms. Comparable to Lenvi's UK/European lending-software focus and overlapping product surface (mortgage servicing, lending lifecycle).

Regional players

• Twenty7tec: UK mortgage technology provider offering intermediary and lender platforms (including MortgageApply and Lendex). Comparable to Lenvi's UK mortgage-servicing and origination focus as a regional UK mortgage-tech counterpart.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/lenvi_tech
• LinkedInlinkedin.com/company/lenvi

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries6 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 Lenvi