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Company profile: Gain Credit

1.1 - Company Overview

Gain Credit Logo

Gain Credit

Headquarter: United States
Founded: 20XX🔒
Employees: 100-500🔒

Company description

  • Provider of credit solutions for underserved customers via brands including Lending Stream, Drafty and Oye!, offering short-term loans with 6- or 12-month repayments and a flexible line of credit up to £3,000 with no fees and interest only on funds used, backed by advanced underwriting and world-class analytics.

Products and services

  • Drafty: An on-demand flexible line of credit up to £3,000, lets users withdraw funds without reapplying, charges interest only on the amount used, and imposes no fees
  • Lending Stream: An affordability-focused alternative to payday loans, offering short-term loans repayable over 6 or 12 months with advanced underwriting tailored to underserved customers
  • World-Class Analytics: An analytics-driven system that backs Lending Stream, Drafty and Oye!, enabling advanced underwriting and affordability evaluation for customers underserved by mainstream financial services

Key contacts

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Financial details

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1.2 - Competitors and similar companies to Gain Credit

Advance America Logo

Advance America

HQ: United States Website
  • Description: Provider of consumer lending services through storefronts and online platforms, offering short-term financial products including payday loans, installment loans, lines of credit, and title loans via partner providers, as well as money services such as Western Union transfers and prepaid card solutions.
  • 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 Advance America company profile →
Edly Logo

Edly

HQ: United States Website
  • Description: Provider of income-based repayment financing for college tuition, connecting students seeking alternative tuition financing with impact investors. Founded in 2019 and headquartered in New York, New York.
  • 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 Edly company profile →
LDF Logo

LDF

HQ: United Kingdom Website
  • Description: Provider of asset finance, business loans, commercial mortgages, and education leases to small 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: ●●
View full LDF company profile →
AppToPay Logo

AppToPay

HQ: United Kingdom Website
  • Description: Provider of an interest free credit product offering a credit limit for purchases between £100 and £500, enabling users to spread costs over 3 months with no deposit, and make further purchases subject to available funds within the limit.
  • 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 AppToPay company profile →
Orka Finance Logo

Orka Finance

HQ: United States Website
  • Description: Provider of point-of-sale commercial solar financing for small businesses and non-profits. ORKA's proprietary online platform enables applications from anywhere with rapid credit decisions and full project funding. Founded in 2020 and based in San Francisco, California.
  • 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 Orka Finance 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 Gain Credit

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Buyer group 1: ████████ ████████

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Key Products: ████████, ████████, ████████, ████████
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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: ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████
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3. Investors and private equity firms

3.1 - Buyout funds investing in similar companies to Gain Credit

2.2 - Growth funds investing in similar companies to Gain Credit

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4 - Top valuation comps for Gain Credit

4.2 - Public trading comparable groups for Gain Credit

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4.3 - M&A Transactions similar to Gain Credit

Selected M&A transactions

Date Target Description Buyer(s) Relevance EV EV/Revenue EV/EBITDA
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Frequently Asked Questions

About Gain Credit

What does Gain Credit do?

Gain Credit is a provider of credit solutions for underserved customers via brands including Lending Stream, Drafty and Oye!, offering short-term loans with 6- or 12-month repayments and a flexible line of credit up to £3,000 with no fees and interest only on funds used, backed by advanced underwriting and world-class analytics.

Who are Gain Credit's competitors?

Gain Credit's competitors and similar companies include Advance America, Edly, LDF, AppToPay, and Orka Finance.

Where is Gain Credit headquartered?

Gain Credit is headquartered in United States.

How many employees does Gain Credit have?

Gain Credit has 1,000 employees 🔒.

When was Gain Credit founded?

Gain Credit was founded in 2010 🔒.

What sector and industry vertical is Gain Credit in?

Gain Credit is in the Enterprise Software 🔒 sector and industry

M&A Buyers & Acquirers for Gain Credit

Who are the top strategic acquirers in Gain Credit's sector and industry

Top strategic M&A buyers and acquirers in Gain Credit's sector include ████████, ██████████, ██████, ████████, and ██████████ 🔒.

Which M&A buyer groups are most relevant for Gain Credit?

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Financial Investors investing in Gain Credit's sector and industry vertical

Which are the top PE firms investing in Gain Credit's sector and industry vertical?

Top PE firms investing in Gain Credit's sector and industry vertical include ████████, ██████████, ████████, and ██████████ 🔒.

Who are the top buyout funds acquiring in Gain Credit's sector and industry vertical?

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Who are the top growth equity funds investing in companies in Gain Credit's sector and industry vertical?

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Valuation benchmarks of companies in Gain Credit's sector and industry

Which are the key public companies that are relevant trading comps benchmarks for Gain Credit?

The key public trading comparables and valuation benchmarks for Gain Credit include █████████, ██████████, ████████████, and ████████████ 🔒.

Which are the key trading comparable groups for Gain Credit for public valuation benchmarks?

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What are recent M&A transactions in Gain Credit's sector and industry vertical?

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What are recent capital raises and funding rounds in Gain Credit's' sector and industry vertical?

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