We modernise banks, non-banks, and mutuals in Australia with cutting-edge technology and collections expertise to optimise customer lifetime value and streamline lending operations.
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pennApps Lending Factory earns its name from its production-line approach to loan product creation and management. Like a modern factory that rapidly manufactures customer products, it enables financial institutions to design, configure, and deploy loan prodcuts at scale with assembly-line efficiency.
Empower customers with transparency, control, and flexibility
through a
platform designed for the modern lending experience.
Easy access to detailed statements covering transactions, payments, and loan balances with real-time updates and historical data
Offset accounts, prepaid interest handling, and split loan capabilities designed for smarter, flexible lending
Modify instalments, due dates, interest rates, tenure, and convert between fixed/variable structures with instant recalculations
Customers can explore loan details including payments, collaterals, documents, overdue amounts, and schedules through an elegant, user-friendly interface
Scheduled payments, part payments, and early settlements with customisable penalty structures that adapt to customer needs
Adjust terms, instalment amounts, frequency, and interest rates seamlessly through automated workflows and approval processes
Lower the cost of building and maintaining loan products and accelerate the
speed at which new loan products can be brought to market
Global Clients
Loans Managed
Assets Under Management (AUM) Managed on our Platform
IntegrationsModular, cloud-native components that integrate seamlessly with your existing systems to power your entire lending lifecycle. Each component can be deployed independently or combined, giving you the flexibility to enhance your lending operations without replacing your core infrastructure.
A pre-built, scalable platform that empowers financial institutions to design, deploy, and manage digital lending journeys with exceptional flexibility and speed:
Our comprehensive loan origination system supports fully automated, collaborative and flexible workflow capabilities that serve all distribution channels. Features include:
Advanced loan servicing built specifically for Australian lending requirements:
AI-powered debt collection strategies optimised for Australian regulations:
Banks and non-banks increasingly rely on robust collateral frameworks to secure lending portfolios. Pennant’s Collateral Management solutions deliver:
Pennant’s Securitisation module equips Australian lenders to originate, package, and service securitised products efficiently:
Our platform supports the full spectrum of lending products across the Australian market, delivering tailored solutions for retail, commercial, and specialised financing needs.
Complete home loan management including offset accounts, redraw facilities, and automated rate adjustments. Supporting owner-occupiers, investors, self-employed borrowers, and non-individual entities
Personal lending solutions with intelligent collections, financial hardship management, and customer lifecycle optimisation Covering both secured and unsecured retail banking products
Modern point-of-sale financing with flexible payment structures, merchant integration, and real-time decisioning capabilities
Specialised electric vehicle financing, with green energy incentives, battery warranty tracking, and sustainable lending frameworks
Business equipment financing with automated valuation tracking and flexible repayment structures
Salary packaging solutions with FBT management and end-of-lease option handling
Capital lease structures with flexible end-of-term options and asset ownership transitions
Off-balance sheet leasing with residual value management and return condition monitoring
Specialised financing for fleet and commercial vehicle acquisitions with tailored servicing capabilities
Comprehensive commercial loan servicing for corporate clients with advanced risk management and compliance monitoring
Short-term financing solutions to support operational cash flow and business expansion needs
Flexible revolving credit facilities with automated limit management and interest calculations
Progress-based funding for property development with milestone tracking and drawdown management
Trade finance solutions enabling businesses to unlock working capital from outstanding receivables
Point-of-sale financing programs for automotive, equipment, and retail dealer networks
Specialised lending for farming operations, rural properties, and agricultural equipment with seasonal payment flexibility and commodity-linked structures
FinTech Data and Insight Solutions Provider
Australian Finance Industry Association
Peak Advocacy Body for Fintech in Australia
Australian Mortgage Industry Standards Organisation
Finalist at Finnies Awards 2025 for:
Excellence in Green Fintech / Sustainability Initiatives
Digital Enablers 
Loan Origination 
Loan Management 
Collections 
