Valentia Partners supported a group of Fintech founders in the development and go-to market strategy of a payroll lending platform (salary backed finance).

The opportunity

Deduction at source lending is typically a complex and highly manual operation, involving manual input from loan applicants, employers, and lending institutions. 

Valentia was engaged to establish a technology-first and data-first approach in design of a new business proposition and operating model – eliminating the operational friction in this service offering and establishing the foundations for a more sophisticated lending ecosystem.

How we helped

Partnering from the early stages Valentia led definition of the service proposition and business model, through to delivery technology proof-of-concept (PoC) and go-to-market strategy.

  1. Defined customer proposition and high-level operating model.
  2. Created user stories and shaped agile sprints for platform PoC.
  3. Designed cloud-platform architecture on Azure, inc. integration points to enable intelligent automation of key data processes.
  4. Led delivery of platform PoC, managing a near-shore development team and all testing through six agile sprints.
  5. Shaped go-to-market strategy, through deep analysis of sector and geographic opportunities – focused on establishing an integrated ecosystem for payroll lending.


  • Fully functioning PoC platform delivered in under 3 months.
  • End-to-end process automation and intelligent auto-reconciliation on Azure, enabling a “plug and play” ecosystem experience for end-customers and lending institutions / underwriting.
  • Go-to-market strategy and key product messaging defined, enabling Founders to pitch into segments with greatest opportunity.

Mortgages for first time buyers

Recognising the potential of inter-connected systems and data sharing, how can we re-imagine the process for first time buyers and where do Banks fit in?

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