OppFi Inc.

OppFi is a technology-enabled specialty finance platform that helps community banks offer credit to everyday Americans. The company focuses on financial inclusion and credit access for the 48 million Americans facing credit insecurity. OppFi's primary product is offered through its OppLoans platform, which facilitates installment loans. The average installment loan for a new borrower on the OppLoans platform is approximately $1,950, payable in installments over an average contractual term of 11 months. Payments are reported to the three major credit bureaus. OppFi aims to provide a transparent, fair, and repayable alternative to products like payday loans. The company's platform offers a highly automated, transparent, efficient, and fully digital experience for customers. Banks partnering with OppFi benefit from its outsourced marketing, data science, and proprietary technology for digital customer acquisition, underwriting, and servicing. From its inception through December 31, 2025, OppFi has facilitated over $8.6 billion in gross loan issuance, covering more than 4.7 million loans. Customers using the OppLoans platform are generally employed U.S. consumers with bank accounts and median wages, who may need loans due to hardships, emergencies, or unplanned expenses and are often rejected by traditional banks due to their credit scores.