Company profile: American First Finance
1.1 - Company Overview
Company description
- Provider of a technology-driven point-of-sale payments platform serving credit-constrained consumers, offering alternatives to traditional retail lending including lease-to-own with buyout options, retail installment contracts with early payoff, FinWise Bank originated installment loans serviced by American First Finance, and bad credit personal loans with fixed rates and monthly installments.
Products and services
- FinWise Bank Installment Loans: Bank-originated installment financing serviced by American First Finance, offering flexible repayment options to credit-constrained consumers
- Lease-to-Own: A point-of-sale program enabling customers to lease merchandise and later purchase via various buyout options, tailored for credit-constrained shoppers
- Retail Installment Contracts: Contract-based agreements between customers and retail merchants for payments on goods or services, with an option to pay off early to achieve ownership
Key contacts
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Financial details
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1.2 - Competitors and similar companies to American First Finance
Bottomline
HQ: United States
Website
- Description: Provider of electronic payment, invoice, and document automation solutions for corporations, financial institutions, and banks worldwide. Offerings include the Paymode business payments network with fraud prevention and ACH/virtual card rebates; AP, receivables, and payouts automation; a multi-currency Payments Hub ensuring compliance; and connectivity services for secure processing of financial transaction data between banks and financial institutions.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
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- Total funding raised: $●●●m
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Paydiant
HQ: United States
Website
- Description: Provider of a white label, cloud-based mobile wallet platform that includes mobile payments, loyalty, offers, ATM cash access and related commerce services, enabling merchants and banks to deploy secure mobile wallet solutions under their own brands, in their own apps.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Aurora Payments
HQ: United States
Website
- Description: Provider of cloud-based payment and business growth solutions, including the ARISE omnichannel payment platform with real-time reporting and security; Aurora Capital funding up to $200,000 with revenue-based repayment and quick approvals; RISE CRM for merchant onboarding and support workflows; NailSoft POS for salons; and tailored payment solutions for automotive and beauty businesses.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Odin Kapital
HQ: Norway
Website
- Description: Provider of administration and payment solutions internationally.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Swype
HQ: United States
Website
- Description: Provider of a suite of credit and debit card processing solutions delivered in a variety of ways.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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2.M&A buyers
2.1 Potential strategic acquirers in the sector
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2.2 - Strategic buyer groups for American First Finance
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Buyer group 2: ████████ ████████
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Key Products: ████████, ████████, ████████, ████████
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Buyer group 3: ████████ ████████
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Description: ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████
Key Products: ████████, ████████, ████████, ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to American First Finance
2.2 - Growth funds investing in similar companies to American First Finance
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4 - Top valuation comps for American First Finance
4.2 - Public trading comparable groups for American First Finance
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