Our Unique Approach


For over a decade we’ve been helping people finance their dreams, and during this time, we’ve learned a lot about people and their loans.

We’ve found that there are certain types of loans that people are more likely to repay. We call them “happy loans”. Happy loans are for people looking to finance a pleasant purchase or make a positive change in their lives.

These are wedding loans, loans for cosmetic surgery, weight loss procedures, dental work, pets, and other types of purchases that bring people joy. Our data has shown a strong positive correlation between these happy loans and repayments.

Through this strategy, we’ve developed strong partnerships with merchants that generate loans in a diverse array of niche markets. That means our note portfolio offers a stability and diversity you won’t find anywhere else.


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