Company profile: Carpay
1.1 - Company Overview
Company description
- Provider of loan management software for buy here pay here (BHPH) dealers, offering multi-channel payment collection (mobile app, online, IVR, cash), automated email/text payment reminders, and borrower self-service to view loan details, receipts, balances, and manage payment methods, plus DMS integration that syncs payments to the dealer's system to help manage portfolios and keep loans performing.
Products and services
- Multi-Channel Payment Collection: IVR-enabled system allows borrowers to make payments via mobile app, online portal, IVR, and cash, expanding accepted channels for BHPH dealers
- Automated Payment Reminders: SMS- and email-based system automatically sends payment reminders, including notices for late accounts and expired cards, standardizing borrower communications
- Mobile App: Mobile-native application enables BHPH customers to manage payments, view detailed receipts, update payment methods, check balances, and adjust notification preferences within a unified borrower interface
Key contacts
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Financial details
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1.2 - Competitors and similar companies to Carpay
OCS
HQ: Italy
Website
- Description: Provider of financial management and digital lending solutions, including consumer credit, retail transactions, banking, consultancy, application management, data analytics, SaaS and digital services. Offers the Digital Lending Hub for retail consumer credit, Suite OCS to manage financial products, front- and back-end modules, a Data Lake for analysis and correlation, and DCT for document templates.
- 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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Wicket
HQ: United States
Website
- Description: Provider of online banking and financial services.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
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Hyperplane
HQ: United States
Website
- Description: Provider of an enterprise-grade AI platform for financial institutions, offering off-the-shelf audience segmentation to build personas and marketing strategies from financial behavior and interests; specialized foundation models (LLMs) for predictive decision-making; and managed or self-hosted AI deployments with full data ownership and control.
- 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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Hummingbird
HQ: United States
Website
- Description: Provider of a platform for managing anti-money laundering (AML) operations, used by compliance professionals to collect case information, conduct investigations, and report on unusual or suspicious behaviors. The solution reduces paperwork and improves efficiency, enhancing AML and counter-terrorist financing investigations.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Hummingbird company profile →
Banqsoft
HQ: Norway
Website
- Description: Provider of financial software solutions in the Nordics for digital banking, asset finance and credit management. Solutions span the asset finance lifecycle from onboarding to maintenance and the credit lifecycle from order to payment, including debt collection and credit reporting. Products include Collect, Procasso for municipalities, and 3D Ledger for invoice and ledger services integrated with Collect.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Banqsoft company profile →
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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 Carpay
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Buyer group 3: ████████ ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to Carpay
2.2 - Growth funds investing in similar companies to Carpay
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4 - Top valuation comps for Carpay
4.2 - Public trading comparable groups for Carpay
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