# GAIN Credit

> GAIN Credit is a privately held financial technology group that lends to UK consumers underserved by mainstream banks. Its Lending Stream and Drafty brands offer instalment loans and revolving credit, while Afforda provides free benefits checks, grant discovery and money-saving tools. Its underwriting combines financial expertise, data analytics and AI-enabled decisioning.

- **Founded:** 2003
- **Headquarters:** San Diego, United States
- **Founders:** Krishna Gopinathan (Co-founder; former President and COO), Purna Patnaik (Co-founder; former CIO)
- **Products:** Lending Stream, Drafty Flex, Drafty Loan, Afforda
- **Notable:** Company-reported cumulative credit issuance above £1 billion and more than one million customers helped, as of August 2025., Company-reported 45% portfolio growth and 27% revenue growth year on year, as of August 2025., Shortlisted for Alternative Lender of the Year - Under £5,000 in the 2026 Credit Awards.

## Products & services

- **Lending Stream** — UK digital direct lender offering short-term instalment loans, with six- and twelve-month products advertised.
- **Drafty Flex** — Reusable UK line of credit up to £3,000; interest applies to amounts drawn. Advertised representative APR 96.2% variable at research date.
- **Drafty Loan** — UK unsecured personal loans of £1,000 to £3,000 over 12, 18 or 24 months, advertised at representative APR 79.9%.
- **Afforda** — Free financial wellbeing platform offering benefits and grant checks, discounts and access to credit options.

## Achievements

- Company-reported cumulative credit issuance above £1 billion and more than one million customers helped, as of August 2025.
- Company-reported 45% portfolio growth and 27% revenue growth year on year, as of August 2025.
- Shortlisted for Alternative Lender of the Year - Under £5,000 in the 2026 Credit Awards.
- GAIN Credit was a 2025 Credit & Collections Industry Awards finalist for Customer Vulnerability & Support Initiative.

## Latest updates

- **2025-08** — Investor materials report cumulative credit issued above £1 billion, more than one million customers helped, 45% portfolio growth and 27% revenue growth year on year.
- **2026-09** — Drafty privacy policy updated on 15 September 2026, identifying GAIN Credit LLC as the data controller and FCA-authorised lender.

## Links

- Website: https://gaincredit.com/
- LinkedIn: https://www.linkedin.com/company/gaincredit
- Twitter/X: https://twitter.com/gaincreditco
- Facebook: https://facebook.com/gain-credit-

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Profile page: https://yespress.io/gain-credit
Published by YesPress — https://yespress.io
Last updated: 2026-10-01