Omni Capital Retail Finance

Point-of-sale finance for retailers and customers in the UK

Omni Capital Retail Finance is a UK provider specialising in retail finance and point-of-sale payment solutions. Its business serves both retailers that want to offer payment options to their customers and consumers who want to spread the cost of a wide range of products and services, from home improvements to medical procedures.

Background and backing: part of Castle Trust Bank

The company has been operating since 2009 and has been part of the Castle Trust Bank group since 2017. Castle Trust Bank is a regulated UK financial institution, and this integration gives Omni Capital Retail Finance stability, experience and governance, according to the company's own presentation. The company is registered in England and Wales and is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 720279.

What it offers retailers

Its proposition for retailers is built around a digital point-of-sale finance platform. Among the capabilities the company highlights are:

• Point-of-sale finance solutions integrated into the purchase experience.
• Real-time approvals.
• Paperless digital processes.
• An omni-channel experience, valid for both in-store and online purchases.
• API integrations.
• The ability for customers to compare payment options before deciding on a purchase.

The company maintains that these tools help improve the customer experience, support sales and increase acceptance rates.

Business figures

According to the latest published accounts cited by the company on its website, Omni Capital Retail Finance works with more than 2,000 retailers nationwide, has provided finance to more than 140,000 customers and lends to more than 70% of its customers on an interest-free basis. The firm also mentions a customer NPS score of +62.

Sustainability and governance

The company states its commitment to responsible lending, sustainability and making a positive impact. To that end, it has developed an ESG plan aimed at maintaining the measures already in place and setting targets for the coming years, with a focus on reducing its environmental footprint, supporting social initiatives and ensuring strong governance. The company publishes an ESG report accessible from its site.

Contact and registration

The company's registered office is at 10 Norwich Street, London, EC4A 1BD, and it is registered in England and Wales with company number 07232938.

Location and contact

10 Norwich Street, London, EC4A 1BD