Making borrowing fairer for consumers and smarter for lenders

By combining AI and deep expertise we help people access fair, affordable loans and partners launch their own lending products faster.

From underwriting to collections, Abound powers lending for every kind of lender

For individuals

Fast, fair loans up to £20,000 same day decisions with personalised rates

We’ve originated over £1.5b in loans, with an ‘Excellent’ rating on Trustpilot.

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Fast, fair loans up to £20,000 same day decisions with personalised rates

For businesses

A flexible platform that powers smarter, faster, lower-risk lending

We have powered over 15 partners with our platform, with many more in the pipeline

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A flexible platform that powers smarter, faster, lower-risk lending

Global expertise in lending, AI, and financial services

Our leadership combines deep expertise from global banks, top consultancies, and leading tech firms—specializing in AI, risk modeling, and financial services innovation.

Dr. Michelle He

Co-Founder & COO

Previously Director at EY. Global delivery lead for C-suite at top European banks; FinTech advisor; Ph.D in AI

Gerald Chappell

Co-Founder & CEO

Previously Partner at McKinsey & EY; Led McKinsey’s Digital Lending and Credit Analytics solutions globally. Led 200+ quants developing AI models

Dr. Mark London

Chief Risk Officer

Previously Partner at EY; Led EY's quantitative team in the UK (peak 130 FTEs), serving all top UK banks. Ph.D in maths/physics

Our Story

Hear why our founders, Gerald and Michelle, decided to ditch the corporate world for a chance to change an industry.

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Experience across the wider leadership team includes:

Our investors have seen substantial growth since our launch

Investors

£110m

Monthly originations

Monthly origination run rate

50-70%

Reduction in credit risk

Default rates vs market benchmarks

£1.5b

Total originations

Since our launch in March 2021

£2.2bn

Lending capacity

Loan book financing secured from Citi, Deutsche Bank, Waterfall and others

Join us in building Europe’s greatest lending platform

Talk to our team

Abound is a trading name of Fintern Ltd
Fintern Ltd is registered in England & Wales No. 12472034 
Spread a Smile is a registered charity No. 1152205 
Fintern Ltd, trading as Abound, is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 929244 
Fintern Ltd is a member of Cifas – the UK's leading anti-fraud association, and we are registered with the Information Commissioner's Office in compliance with the Data Protection (Charges and Information) Regulations 2018 under registration ZA747930. See our Privacy notice for further details of how we use customers' data.

United Kingdom

Making borrowing fairer for consumers and smarter for lenders

From underwriting to collections, Abound powers lending for every kind of lender

Fast, fair loans up to £20,000 same day decisions with personalised rates

A flexible platform that powers smarter, faster, lower-risk lending

Global expertise in lending, AI, and financial services

Dr. Michelle He

Gerald Chappell

Dr. Mark London

Our Story

Experience across the wider leadership team includes:

Our investors have seen substantial growth since our launch

Monthly originations

Reduction in credit risk

Total originations

Lending capacity

Join us in building Europe’s greatest lending platform

Global expertise in lending, AI, and financial services