“Can Oakbrook become the UK's leading non-bank consumer lending infrastructure — operating direct-to-consumer brands while simultaneously enabling investors and partners to deploy capital at scale through its O6K technology platform?”
Founded in 2011, Oakbrook began as a digitally-enabled UK consumer lender targeting prime through non-prime borrowers. The company built its own proprietary technology and analytics platform, O6K, which became a B2B product offered to external partners seeking to deploy capital into consumer lending without building their own credit infrastructure. Oakbrook now positions itself as both a direct lender (via brands including Finio Loans, Likely Loans and Oakbrook Loans) and an embedded finance enabler, connecting investors and funders with consumers through 40+ aggregator integrations. The 2026 Modulr partnership signals a push to modernise payments infrastructure with open banking-native repayment rails alongside traditional Direct Debit.
Oakbrook discloses Modulr as its banking provider, according to the Embedded Finance Index 2026.
Oakbrook does not disclose a bank charter of its own; its banking services are provided through Modulr.
The Embedded Finance Index 2026 maps 2 layers in Oakbrook's stack: Banking / BaaS (Modulr); Lending (Personal loans (Prime), Personal loans (Near Prime), Personal loans (Non Prime), Debt consolidation loans and 3 others).
Oakbrook is founded in 2011 and headquartered in United Kingdom.
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