Zable
“Can a UK-originated algorithmic consumer lender extend its credit-card and personal-loan model into the US market using partner-bank rails while leveraging data-driven underwriting to serve near-prime borrowers at fair rates?”
Zable is the consumer-facing US brand of Lendable Operations Ltd, a UK-based consumer lending technology platform. The UK entity (Lendable Limited) began as a personal loans originator and expanded into credit cards and car finance. The US entity (Zendable, Inc.) was set up to bring the same model stateside, offering personal loans and credit builder cards via partner banks (Cross River Bank, Continental Bank). The company's strategy is to combine algorithmic credit underwriting with accessible consumer credit products, and it recently extended into adjacent areas such as a borrower-exclusive mobile network in the UK.