Lending management

Meet the Slick Automated Lending Platform (ALP), built for modern credit providers.

A fully customisable platform that streamlines your lending, from decision to credit agreement to collection. Powered by an AI workforce that can reason, communicate and complete tasks end to end.

Secured and unsecured creditLive within one month

Book a demo / Contact us How it works

Inside Slick

Every loan, customer and payment in one view.

Platform

One platform, wherever you're starting from.

Whether you're already writing loans or still working towards authorisation, our platform is ready to go, so you're not waiting months to get going.

Already authorised

Already lending? Switch to Hope Macy.

Keep your permissions, your products and your customers. We move you onto a platform built to decide, lend and collect in one place.

1
Map your productsWe set up your lending criteria, loan terms and decision rules to match how you lend today.
2
Bring your loan book acrossWe move your existing customers and agreements onto Hope Macy.
3
Switch overKeep writing business, now with decisioning, payments and collections in one system.
Talk to us about switching
Not authorised yet

New to lending? Go from authorisation to lending in one month.

Once you’re authorised, you shouldn’t wait half a year to start lending. If you’re not authorised yet, we can introduce you to a principal firm.

1
Get authorisedSecure your own permissions, or start sooner as an appointed representative through one of our introductions.
2
Configure your productsSet your lending criteria and loan terms.
3
Start writing businessLive within one month.
Talk to us about getting started

Decisioning

Know who to lend to.

Our decision engine assesses every application against your lending criteria and flags the good risks from the bad, instantly and consistently. Applicants share their bank data through a secure link, so you approve the right customers, decline the wrong ones, and keep your loan book healthy from day one.

Good risk Approve Customers who meet your criteria, approved instantly.
Bad risk Decline Applications that don't, kept off your book.

Vertical agents

An AI workforce for every stage of the loan.

Our vertical agents are AI-powered digital workers that complete tasks on your behalf. They work together to deliver consistent, reliable results.

Smiling man checking a decision on his phone
Decide

Decisioning

Process data and complex situations quickly to reach a credit decision.

  • Use AI to create rules
  • Extract and evaluate data from third parties
  • Analyse exceptions in reports and chat
Applicant meeting two lending staff across a table
Underwrite

Underwriting

Follow your own workflow to move applications through to a credit agreement.

  • Allocate products and send personalised messages
  • Request signatories and execute agreements
  • Refer, accept, decline and release
  • Request open banking connections
Customer paying online from a laptop
Collect

Collections

Collect efficiently over the right channel, including WhatsApp and email.

  • Automated outbound communications
  • FCA compliant default notices
  • Consumer-friendly payment methods
  • Automated interest calculations and arrears management
Team discussing work in an office lobby, seen from above
Always on

Event manager

Spot events such as a late payment or a change in credit score, and respond.

  • Fully automated event handling
  • Statutory deadlines and notifications met
  • Add or change events whenever you need
Magnifying glass over printed financial charts
Report

Reporting

Get the information you need in a few clicks, or by asking an agent.

  • Standard FCA product and sales data, produced automatically
  • Build your own datasets and MI reports
Pod Point website offering EV chargers to buy outright or by monthly subscription
Point of sale

Retailer management

Onboard retailers and let them offer point of sale credit straight away.

  • Onboard retailers
  • Produce credit agreements
  • Retailer portal for sales performance

AI Assistance

See the agents working together.

Follow a missed payment from start to finish, see how your team stays in control, and get answers to common questions about AI.

Meet our AI agents

Integrated data and payment services

Connect Slick to everything else.

All our services are available through APIs, so Slick is quick to set up and easy to connect to third-party systems. Add our FCA-regulated products to do even more.

  • Documented REST APIs
  • Open banking and payments
  • Postman for testing
  • Embedded finance
Enhance Slick
Credit risk analysis Credit scoring (CRA)

Fair, consistent and predictive credit scores for the subprime sector, built from a consumer’s most up-to-date financial activity rather than data held on file.

Use on its ownAdds to the Slick Automated Lending Platform (ALP)

  • Credit scoring
  • FCA regulated
  • Vulnerability
  • Data driven
Find out more about Affordwise
Open banking data and more Account information (AISP)

The next generation Open Banking API, with in-line analytics, statistics and sub-second categorisation of transactions, plus benefit income detection.

Use on its ownAdds to the Slick Automated Lending Platform (ALP)

  • Benefit detection
  • Open banking transactions
  • Income & expenditure insights
  • Categorisation
Find out more about DataFlex
Open banking payments and more Payment initiation (PISP)

A faster, safer and smarter way to collect from borrowers, with Pay by Bank, cVRP, sweeping VRP, Apple Pay, Google Pay and Continuous Payment Authority.

Use on its ownAdds to the Slick Automated Lending Platform (ALP)

  • Instant payments
  • Lower processing costs
  • Bank‑level security
  • Higher customer conversion
Find out more about Slick Pay

FAQs

Your questions about Slick, answered.

Everything lenders usually ask us before they get started.

Ask us something else
How quickly can we start lending?

Once you’re authorised, you can be live within one month. The platform is ready to go, so you only need to set your lending criteria and loan terms before you start writing business. If you already have a lending platform, please talk to us about how to migrate your existing loan agreements.

We’re not FCA authorised yet. Can we still use Hope Macy?

Yes. We can introduce you to a principal firm, so you can start lending as an appointed representative while you work towards your own permissions.

What kinds of credit products can we support?

Hope Macy supports lenders who write secured and unsecured credit. You can configure your own products, criteria, loan terms and credit agreements, and the whole system can be customised to suit how you work.

Can we bring our existing loan book across?

Yes. No matter where you’re coming from, we can import all of your existing data and documents.

Do we need a separate payment provider?

Not if you add Slick Pay, our FCA authorised payment service. It plugs straight into the platform, with Pay by Link, pay by bank at checkout and cVRP, and no third-party setup.

Will the platform keep up with regulation?

Yes. We keep the system up to date with the latest regulatory changes, and FCA rules are built into the platform, including statutory notices and deadlines.

Can we control what our staff can see and do?

Yes. You can build your company hierarchy within the system and give each role its own permissions, so you have full control over who can access what.

Can it connect to our other systems?

Yes. All our services are available through documented REST APIs, so the platform can be integrated with your existing systems and third-party tools.

Case studies

Lenders on our platform.

From retail credit and EV charging to responsible lending, see how our clients use the platform, including their live lending portals.

See our case studies
Buyline case study Pod Point case study Adage Credit case study Chrysalis case study

Talk to us to find out what Hope Macy can do for you.

Learn how partnering with Hope Macy helps your business make smarter credit decisions and deliver better outcomes for your customers.

Get started
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