Peach Finance Platform Page Copy Review

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The backend your engineers actually want

Whether you're building your first lending product or rebuilding the one that got you here, the backend matters. Peach is API-first with full REST parity. Your team builds on the system, not around it.

See it live Explore the API docs

The loan management system behind Square, Remitly, and Bill.

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Stats Block

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50%

p99 improvement

Your heaviest operations, twice as fast. p99, not averages.

1M+

accounts supported

Active accounts across live lending programs. You won't hit our ceiling.

150%

net revenue retention

Partners don't just renew. They launch product two, then three.

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Problem Block

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Where your engineering hours actually go

Servicing eats the sprint

Ledger reconciliation and payment edge cases fill the engineering time meant for your product. It adds up, sprint after sprint.

The workaround that sticks

Most setups treat product rules as exceptions. A billing change becomes a ticket, then a workaround, then just how things work.

Regs that keep coming

Every time a new regulation lands, someone gets pulled off the roadmap for weeks. And there's always another one coming.

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Solution Block

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Now here's the part your engineers get excited about.

Three systems, one codebase. Your lending backend

Adaptive Core

Whether it's installment, revolving, BNPL, or a product nobody's built yet, the engine runs it natively. Over 200 configuration variables. Your rules, not custom code.

Compliance Guard

When federal collection rules shift or a state changes its contact restrictions, Compliance Guard catches it and updates automatically. Nobody gets pulled off the roadmap.

Servicing Suite

Everything from borrower portals to agent tools to payment processing and collections ships on day one. That's how teams go live in weeks, not quarters.

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Capability Cards: Adaptive Core

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Adaptive Core

The engine behind every product you'll build on Peach

Go back in time. The system handles the rest

Reverse a payment, backdate a rate change. Loan Replay recalculates every accrual, fee and payment from that point. The ledger stays intact.

Your product rules are config, not code

You define how interest accrues and what happens after a missed payment. They apply across every product you build on Peach.

Every UI feature has an API behind it

Use Peach's white-label portals to launch fast. Build your own when you're ready. Swap any component at any time. It's your frontend.

// Create a loan in one API call
POST /api/people/{personId}/loans
{
"type": "installment",
"atOrigination": {
"interestRates": [{ "rate": 0.0899 }],
"fees": { "originationFeeAmount": 50.00 },
"gracePeriod": { "days": 15 }
},
"loanAmount": 15000,
"duration": 36,
"paymentFrequency": "monthly"
}
Needs Peach engineering sign-off on exact schema before going live

Four ways to get your data out

API access when you want it. Webhooks as it happens. A replica syncing to GCS or Snowflake on your schedule. And loan tapes your partners trust.

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Capability Cards: Compliance Guard

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Compliance Guard

Regulations change. Your engineers don't need to

Every outbound interaction is checked before it sends

It knows the borrower's timezone, that Massachusetts caps collections at two a week, and which channels are restricted. Nobody overrides it.

Cases you'll never need to build manually

Compliance Guard monitors for bankruptcy, servicemember changes, sanctions, and natural disasters. When it catches one, the case is auto-created and pre-filled.

Your ledger tells the whole story

Every action tracked: who did what, when. Entries invalidated, never overwritten. When regulators come looking, the record is already there.

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Capability Cards: Servicing Suite

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Your ops team is going to like this part.

Servicing Suite

Built in, not bolted on

Your borrowers get a portal. You don't build one

Borrowers manage payments, auto-pay, and documents from one screen. White-label it, embed it or host it. Swap it out when you're ready.

Ops changes that don't need an engineer

Your ops team handles cases, queues and six communication channels without switching tools. Your admin configures the routing. No dev team needed.

Three payment architectures. Pick the one that fits

Turnkey ACH and cards through Peach. Bring your own bank. Or process externally and post via API. Switch between them as your program grows.

Your engineers will know it fits in 20 minutes

Full sandbox, the same API your production system runs. When they hit something unexpected, they're talking to the people who built it.

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Why Peach

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Why teams stay

Engineers on your calls

Solutions Engineers take your calls, in implementation and after. They know the product cold, and they know lending.

We start with your stack

Peach builds around what you already run. We map your architecture, match your data flows, and work backwards from your timeline.

Built from inside lending

The team built Affirm's lending engine under Max Levchin, then started Peach as the next generation. They lived inside the problem.

No lock-in by design

API, webhooks, database replica, loan tapes. If you ever want your portfolio back, it's ready to export.

Compliance is built into the engine

SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1, and HIPAA. Compliance Guard enforces compliance rules in real time and monitors borrower status against applicable federal and state regulations.

Tested at real scale

One large fintech saw system timeouts drop from tens of thousands to a few hundred per week. Production borrowers. Real money on the line.

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Testimonial

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Peach's flexible servicing solution is exactly the kind of modern, enterprise-grade infrastructure we need for scaling products like our Square Credit Card. Peach is enabling us to focus on growth by freeing up our teams to concentrate on what we do best: building innovative cash flow solutions to help our sellers.

Adam Turnbull, Head of Product, Square Banking

Full quote from official Square/Peach press release (Feb 2025). First sentence added — stronger for CTO audience. Still want a CTO/VP Engineering quote for final page.

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Resource Cards

Placeholder Links

Go deeper on the architecture

Docs

API reference and authentication guide

Every UI feature is backed by a RESTful endpoint. Start with auth, explore from there.

Blog

How Loan Replay handles retroactive changes

Backdate a payment, reverse a transaction, adjust a rate. Your audit trail stays intact.

Blog

Accessing your data with Peach

Direct API access, real-time webhooks, a GCS or Snowflake replica for analytics, and formatted loan tapes for capital markets.

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CTA Stripe

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Let's hear what you're building

You're building a product your borrowers will love. Or moving one they already do. We'll start with your architecture and work backwards from there.

See it live Explore the API docs

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