Peach
Peach provides API-first loan management and servicing infrastructure for lenders, fintechs, banks, and credit unions.
What Peach is
Peach provides API-first loan management and servicing infrastructure for lenders, fintechs, banks, and credit unions. Its Adaptive Core supports installment, revolving, buy-now-pay-later, and configurable lending products. Listed loan types include BNPL, cards, installment loans, credit lines, cash advances, invoice financing, home improvement loans, retail installment contracts, and private student loans. The Servicing Suite includes borrower portals, agent tools, payment processing, and collections tools. Loan Replay recalculates accruals, fees, and payments after retroactive changes while preserving ledger history. Compliance Guard checks outbound interactions and monitors events such as bankruptcy, servicemember changes, sanctions, and natural disasters. Data access includes APIs, webhooks, loan tapes, and database replicas syncing to Google Cloud Storage or Snowflake. Peach lists 256-bit AES-GCM encryption, Google Cloud private-cloud hosting, multifactor authentication, role-based access controls, and SOC, PCI DSS, and HIPAA credentials. Pricing is on request.
Good
- Supports many lending product types
- Borrower portal and payment processing
- Loan Replay preserves ledger history
- APIs, webhooks, and database replicas
- Multiple listed security certifications
Watch out
- Pricing is available on request
- Cloud deployment only
- Implementation and support follow provider processes
Who it suits
Peach suits lenders and financial companies building or scaling several lending products. It fits teams needing servicing tools, borrower portals, payment scheduling, APIs, and compliance checks.
Verdict
Peach combines configurable loan products with servicing, compliance, and multiple data-access methods. It is aimed at financial organizations that need an API-first lending platform, with pricing discussed directly with Peach.
Plans and prices
From Peach's own pricing page, checked 9 Oct 2001.
| Plan | Price | What it gives you |
|---|---|---|
| Peach platform | Priced on request | Pricing not published on the pricing page; contact Peach to discuss a lending program |
The facts
Each one read from Peach's own pages, with the date it was checked.
What it does
- Certifications
- Peach lists SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1, and HIPAA compliance or certification.checked 9 Oct 2001
- Compliance
- Compliance Guard checks outbound interactions and monitors events including bankruptcy, servicemember changes, sanctions, and natural disasters.checked 9 Oct 2001
- Data access
- Customers can access data through APIs, webhooks, a database replica syncing to Google Cloud Storage or Snowflake, and loan tapes.checked 9 Oct 2001
- Hosting and access controls
- Peach says it runs in a Google Cloud virtual private cloud and uses multifactor authentication for critical internal systems and role-based access controls.checked 9 Oct 2001
- Integrations
- The partnerships page lists Visa, Mastercard, Lithic, Qolo, Marqeta, Twilio, Plaid, Google Cloud, Cybersource, Experian, Equifax, TransUnion, Silicon Valley Bank, and Galileo.checked 9 Oct 2001
- Loan Replay
- Loan Replay recalculates accruals, fees, and payments after a retroactive change while preserving the ledger history.checked 9 Oct 2001
- Product
- Peach provides API-first loan management and servicing infrastructure for lending products.checked 9 Oct 2001
- Security
- Peach says it encrypts personally identifiable information, bank accounts, and card details using 256-bit AES-GCM with lender-specific rotating keys.checked 9 Oct 2001
- Servicing tools
- The Servicing Suite includes borrower portals, agent tools, payment processing, and collections tools.checked 9 Oct 2001
- Support
- Peach says implementation questions go to its engineers, with day-to-day support as the first path after go-live and Solutions Engineers available for technical questions.checked 9 Oct 2001
- Supported products
- Adaptive Core supports installment, revolving, BNPL, and configurable lending products.checked 9 Oct 2001
- Target customers
- Peach describes its customers as lenders, fintechs, banks, and credit unions building or scaling lending programs.checked 9 Oct 2001
The company
- Company
- Peach says it was acquired by SoFi in May 2026 and operates as part of SoFi Technology Solutions.checked 9 Oct 2001
- Founded
- Peach Finance was founded in 2018 by Eddie Oistacher.checked 9 Oct 2001
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