Peach Finance

Peach is purely a technology provider. It sells an API-first loan management and servicing software platform to other lenders. It does not originate loans, deploy its own capital, or take credit risk; it provides the post-origination infrastructure that handles payments, compliance, borrower communications, and accounting for its clients' lending programs.

Peach describes its Adaptive Core™ as a single, configurable engine that runs all of a lender's credit products—from consumer loans to vertical BNPL and deferred-interest cards—without requiring a separate codebase per product. It allows lenders to change product terms while live and at scale, using over 250 configuration variables, which the firm contrasts with older, rigid lending systems that demand expensive re-platforming for product innovation.

Loan Replay™ is Peach's patented recalculation engine. When a lender retroactively changes a loan term—such as backdating a payment or correcting an interest rate error—Loan Replay™ recalculates the entire subsequent ledger from that point forward while preserving the original, unaltered transaction record. For auditors and compliance officers, this means the system maintains a clean, defensible audit trail even under continuous product iteration, which Peach argues is critical for lenders operating under U.S. federal regulations like Reg F or TCPA.

Engineering is led by Ryan Lowe, who spent a decade in engineering management and leadership roles at Square, where he worked extensively with database technologies and software development principles. Co-founder Eddie Oistacher, who previously built lending systems at Affirm and Enova, drives overall product strategy. Customer-success and revenue leadership are held by seasoned executives from Avant, Enova, and large financial institutions.

Peach states that its platform is designed to support any asset class. Its current disclosed use cases include consumer installment lending, branded vertical BNPL programs, and deferred-interest credit cards. The company's public materials emphasize that its core architecture is asset-class-agnostic and that lenders have used the same engine to launch multiple products sequentially without re-platforming.