OppFi Inc.
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- OppFi Inc. (NYSE: OPFI) operates as a leading tech-enabled digital finance platform that partners with community banks to provide accessible credit products and services to everyday Americans underserved by traditional financial institutions; its core offerings include OppLoans installment loans with transparent terms, credit bureau reporting, and financial education resources; SalaryTap employer-sponsored secured loans; and OppCard credit-building cards featuring credit line increases and credit reporting. The company, founded in 2012 and headquartered in Chicago, Illinois, serves credit-constrained consumers across the United States through a mobile-optimized platform leveraging advanced algorithms, alternative data, machine learning, and data analytics for application processing, risk assessment, loan origination, servicing, and personalized customer experiences. OppFi maintains high customer satisfaction with an A+ Better Business Bureau rating, 79 Net Promoter Score, and 4.5/5 Trustpilot rating from over 5,000 reviews, while emphasizing responsible lending, financial inclusion, and transparency. Recent developments include the 2024 acquisition of a 35% equity interest in Bitty Advance, a small business financing platform led by Craig Hecker, with options for majority and full ownership to enter the underserved small business credit market and diversify beyond consumer lending; upsizing its revolving credit facility with Blue Owl Capital affiliates to $300 million from $250 million following Blue Owl's acquisition of Atalaya Capital Management in September 2024; and announcing a new $150 million revolving credit facility in October 2025 with a four-year term to enhance financing flexibility.
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