• Everyone deserves to feel the Power of Possibilities

    Everyone deserves to feel the Power of Possibilities

LendingPoint believes that everyone deserves to feel the power of possibilities.

Using proprietary algorithms and technologies, we’re creating simple, human and intuitive financial services to enrich people’s lives and empower financial success.

We started this journey by creating customized personal consumer loans. Our model, using data and technology, looks beyond a simplistic credit score to allow us to see a more complete picture and true creditworthiness of each customer. Our short and simple application allows us to deliver instant credit decisions for loans up to $36,500 that include flexible payment terms up to 60 months*, rates as low as 9.99% and next business day funding. By offering customers across the credit spectrum access to credit, we’ve removed the friction from the traditional lending process.

For e-commerce platforms, merchants and other service businesses, LendingPoint offers an easy to integrate API that enables customized financing solutions. With this instant consumer credit pre-approval platform, businesses of all sizes can offer affordable financing options to the widest credit range of their customers – all with just a few lines of code. LendingPoint delivers vertical-specific as well as marketplace and white-labeled solutions, ensuring that any business has the opportunity to offer affordable financing options, including buy-now-pay later to serve more customers and grow their revenues.

Our commitment to customer satisfaction has made us the preferred platform for over $3 billion in loan originations. While serving hundreds of thousands of consumers and thousands more merchant partners, we continue to refine and extend our offerings. Our goal is to evolve our platform to create a new category in financial services. One that democratizes credit, accelerates commerce and powers financial success.

Your Team

We know we are in business only because you – our customers – allow us to be. So, we’ve built a customer powered culture driven by continuous data-driven improvement. Our team is curious, experienced, open-minded, experimental and we take our work serving our customers and partners very seriously. But -- we don’t take ourselves too seriously.

Tom Burnside

Tom Burnside

Tom is a co-founder and the Chief Executive Officer of LendingPoint. Tom sees LendingPoint as a way to do well and to do good at the same time by protecting, nourishing and growing each customer’s financial future. Tom brings over 25 years of experience and a wealth of industry knowledge to LendingPoint. An accomplished credit and financial services leader and trusted data scientist, Tom leads the rest of the team in serving underserved financial consumers while ensuring predicable credit scoring leading to capital market access and shareholder returns.

Juan E. Tavares

Juan E. Tavares

Juan E. Tavares is LendingPoint’s Chief Strategy Officer, working to distill stories from data, leverage investor relations, and nurture new opportunities in the lending market. With over 15 years of success as a private investor, Juan also serves as the Business Development Director for the Tavares Private Equity Group, exercising his executive leadership with a variety of Fortune 500 companies and international industries.

Franck Fatras

Franck Fatras

One of LendingPoint’s co-founders, Franck is President of LendingPoint’s Direct to Consumer and Customer Retention verticals as well as LP Labs. He oversees product design and delivery as well as business development and partner success for our DTC online efforts. LP Labs is focused on development of our marketplace linking our customers with our merchants and other products and services, using our growing database of over seven million applicants to determine new product verticals for development. Franck led the development of many payments platforms and lending network infrastructures and information systems. He has more than 20 years of executive experience serving First Data, Western Union and CAN Capital.

Victor J. Pacheco

Victor J. Pacheco

Victor is LendingPoint’s Chief Capital Officer and one of our co-founders. He leads our efforts in ensuring that our assets make their way to the best financial markets execution, whether that’s into the asset-backed securities markets, senior credit lines, or forward flow agreements. With over 20 years of experience in the financial services, merchant cash advance, and international payment processing industries, Victor adds deep knowledge of financial institutions to the LendingPoint team.

Houman Motaharian

Houman Motaharian

Houman is President of LendingPoint’s Point-of-Sale and eCommerce verticals. He oversees all aspects of product design and delivery as well as business development and partner success for those fast growing verticals. Houman has held senior leadership positions in credit, finance partners at LendingPoint Merchant solutions. Houman has held senior leadership positions in credit, finance and product for American Express and Continental Airlines before becoming a founding Board member and then joining the LendingPoint team.

Mark Lorimer

Mark Lorimer

Mark is LendingPoint’s Chief Administrative Officer. He serves our legal, human resources, public relations, governmental relations, investor relations and internal audit/quality groups. Mark has previously held senior executive positions at CAN Capital (CMO), Autoweb (NASDAQ:AWEB) (CEO), Dewey Ballantine (Partner), and as a PE and merchant banking consultant.

Jay Putnam

Jay Putnam

Jay serves as Chief Financial Officer and responsible for overseeing accounting, financial planning and analysis, treasury, tax and financial operations. Jay has more than 18 years in the consumer finance industry and has significant experience in financial reporting, capital markets activity, and strategic and financial planning. Prior to joining LendingPoint, Jay served as Chief Financial Officer of U.S. Auto Sales, Inc., a leading used vehicle retailer that provides in-house financing primarily to the non-prime market. Prior to U.S. Auto, he was a director at Atlanticus Holdings Corporation (NASDAQ: ATLC), a technology-enabled consumer finance company.

KN Kasibhatla

KN Kasibhatla

As Chief Technology Officer and passionate digital transformation executive, KN architects and executes the company’s vision utilizing technology and big data to empower the business, improve performance, ensure security, promote scalability, and drive efficiency. KN brings over 20 years of multi-industry, global corporate and consulting experience aligning technology with business imperatives to execute company transformations.

Rick Anthony

Rick Anthony

Rick serves as Chief Operating Officer responsible for delivering exceptional experiences through the entire customer lifecycle – new customers, returning customers, servicing, and asset management. Rick served in The United States Air Force as an Avionics Instructor and has spent the majority of his career managing operations for American Express, Nova Information Systems (Elavon), Paymentech, Global Payments, Payment Alliance International and TSYS.

Greg McLaughlin

Greg McLaughlin

As the Chief Legal Officer for LendingPoint, Greg McLaughlin oversees and maintains the company’s legal and regulatory compliance environment. A veteran legal strategist, Greg has practiced commercial law for 24 years, representing banks, lenders, leasing, and factoring companies.

Kathy Daly

Kathy Daly

Kathy Daly is LendingPoint’s Chief Marketing Officer, focusing on blending digital technologies and traditional marketing elements to build customer relationships and drive business success. Kathy is a results-driven leader, offering more than 25 years of strategic, digital and marketing expertise across industries, brands and platforms. She has led business teams at Google, The Home Depot, Coca-Cola, Havertys Furniture and The Weather Channel.

Christy Mahon

Christy Mahon

Christy is our Chief People Officer. She has a proven track record of driving business transformation and cultural change. Christy believes our People function should be a results-driven business partner for both our business units and our team members by building relationships and collaborating at all levels to drive People development as well as financial and operational results.

Joe Valeo

Joe Valeo

Joe leads the LendingPoint Merchant Solutions team as General Manager, focused on facilitating point-of-sale financing. With more than 25 years of experience in the bankcard and alternative finance industries, Joe is focused on enabling our merchant partners to close more sales through POS financing. Joe’s has held sales and management leadership positions at Citi, VISA, First Data, CAN Capital and Bankers Healthcare Group before joining LendingPoint.

Ashish Gupta

Ashish Gupta

Ashish serves as Chief Risk Officer at LendingPoint and is responsible for credit, pricing, fraud mitigation, loss-forecasting, and AI/ML model development. Ashish has over 15 years of Risk Management experience, developing innovative risk models to drive business growth while delivering targeted risk-adjusted returns. Prior to joining LendingPoint, Ashish served as Chief Credit Officer at Prosper Marketplace and worked at Citigroup in senior risk roles, spanning customer acquisition, portfolio management, model development, stress testing, and collections. Ashish has an MBA from the University of Chicago Booth School of Business, an MS from the University of Wisconsin-Madison, and a B.Tech. from Indian Institute of Technology (IIT) Delhi.


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