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Attain Finance

Non-prime consumer credit and financing platform

Overview

Attain Finance provides consumer credit products for underbanked individuals in the United States and Canada via an omni-channel platform that combines online, mobile, storefront, and contact center operations. It offers short-term loans, installment loans, lines of credit, and vehicle title loans, with revenue from interest and fees. It uses a proprietary underwriting engine that leverages alternative data to assess risk for non-prime borrowers and supports acquisition, servicing, and collections, under multiple brands such as Cash Money and LendDirect in Canada. Its goal is to strengthen its financial position and grow non-prime lending through data-driven underwriting and technology to help customers with limited access to traditional banking.

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About Attain Finance

Simplify's Rating
Why Attain Finance is rated
C
Rated C on Competitive Edge
Rated B on Growth Potential
Rated D+ on Differentiation

Industries

Data & AnalyticsConsumer SoftwareFintechFinancial Services

Company Size

201-500

Company Stage

IPO

Headquarters

Greenville, SC

Founded

1997

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Simplify Jobs

Simplify's take

What believers are saying

  • July 2026 hired Rick Huff from Paycor and CNG Holdings to accelerate digital modernization.
  • April and June 2026 facility upsizes expanded liquidity and lowered capital costs across U.S. and Canada.
  • March 2026 Canadian repositioning and online-only Cash Money conversion cut operating complexity and improve margins.

What critics are saying

  • Attain depends on securitization markets and lender confidence; a funding freeze cripples growth quickly.
  • Its 2024 bankruptcy history still signals fragile leverage, especially if credit losses rise.
  • Canada’s payday exit concentrates reliance on LendDirect; one underwriting shock can trigger another restructuring.

What makes Attain Finance unique

  • Attain’s 2026 Canadian repositioning centers LendDirect on near-prime omni-channel lending.
  • Its underwriting engine uses decades of alternative data across U.S. and Canadian customers.
  • June 2026 refinancing extended receivables-based maturities to 2029, improving funding flexibility.

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Funding

Total Funding

$1.6B

Above

Industry Average

Funded Over

5 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison Coming Soon

Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability Insurance
  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Paid Vacation
  • Tuition Reimbursement
  • Performance Bonus

Company News

Associated Press
Jul 27th, 2026
Attain Finance appoints Rick Huff as chief technology officer

Attain Finance has appointed Rick Huff as chief technology officer. Huff will oversee technology strategy, drive product innovation, and lead engineering teams as the consumer credit lender expands its digital capabilities. Huff brings 30 years of experience in technology-driven growth and digital transformation. He most recently served as chief information officer at Paycor and CNG Holdings, where he led modernisation initiatives spanning cybersecurity, AI, cloud adoption, and software engineering. Attain Finance is a consumer credit lender serving US and Canadian customers for over 50 years. Its brands include Heights Finance in the United States and LendDirect and Cash Money in Canada. Huff started in his new role on 13 July 2026.

The Montreal Gazette
Jul 27th, 2026
Attain Finance announces new Chief Technology Officer Rick Huff.

Attain Finance announces new Chief Technology Officer Rick Huff. GREENVILLE, S.C. - Attain Finance ("Attain" or the "Company") today announced the appointment of Rick Huff as its new Chief Technology Officer (CTO). In this role, Rick will oversee the company's technology strategy, drive product innovation and lead engineering teams as the organization expands its digital capabilities. Rick brings 30 years of experience in leveraging... July 27, 2026 at 4:19 p.m. GREENVILLE, S.C. - Attain Finance ("Attain" or the "Company") today announced the appointment of Rick Huff as its new Chief Technology Officer (CTO). In this role, Rick will oversee the company's technology strategy, drive product innovation and lead engineering teams as the organization expands its digital capabilities. Rick brings 30 years of experience in leveraging technology to accelerate growth, improve operational performance, and enable digital transformation, most recently serving as CIO at Paycor and CNG Holdings, where he helped guide both companies through a period of significant growth and led enterprise-wide modernization initiatives spanning cybersecurity, AI, cloud adoption, software engineering, enterprise applications, and digital transformation. Rick's expertise and experience will support Attain's continued transformation while supporting its goals of scalable growth and sophistication. "We are excited to have Rick join the team and support our continued efforts of growth and modernization," said Doug Clark, CEO of Attain. "We are confident that Rick's leadership will strengthen our technology roadmap and position us for long-term success." "I'm excited to join Attain and help shape the next chapter of innovation," said Rick. "The company's commitment to its customers and its employees, leveraging technology and innovation aligns strongly with my passion for building scalable, customer-focused technology." Rick Huff started Monday, July 13, 2026. About Attain Attain Finance is a leading consumer credit lender serving U.S. and Canadian customers for over 50 years. Our roots in the consumer finance market run deep. We've worked diligently to provide customers with a variety of convenient, easily accessible financial services. Our decades of diversified data power a hard-to-replicate underwriting and scoring engine, mitigating risk across the full spectrum of credit products. Our brands include Heights Finance in the United States and LendDirect and Cash Money in Canada.

FinancialContent
Jun 24th, 2026
Attain Finance closes $375M facility, completes refinancing of all legacy debt

Attain Finance, a consumer finance company, has closed a $375 million credit facility called HFGT Trust 2026-A. The facility completes the refinancing of all legacy receivables-based facilities from when Attain emerged from bankruptcy in 2024. The new facility provides Attain with lower cost of capital and additional funding for growth. The company has extended its receivables-based debt maturity to 2029, retiring both Heights Finance SPV I and Heights Finance SPV II in the process. Chief executive officer Doug Clark described the closing as a significant milestone in the company's financial evolution, reflecting progress made over the past two years. Attain Finance has served US and Canadian customers for over 50 years through brands including Heights Finance, LendDirect and Cash Money.

Business Wire
Apr 13th, 2026
Attain Finance Successfully Upsizes Heights Finance Credit Facility

Attain Finance (“Attain” or the “Company”), a leading consumer finance company, today announced it has successfully completed the upsizing of its Heights Fin...

Benzinga
Apr 10th, 2026
Attain Finance upsizes Heights Finance credit facility to $632.5M

Attain Finance has upsized its Heights Finance 2025-A credit facility to $632.5 million, representing a $502.5 million increase. The consumer finance company will use the expanded facility to fully retire its First Heritage SPV facility whilst increasing available liquidity and lowering its cost of capital. Chief Executive Officer Doug Clark said the upsizing validates the company's operating strategy and growth trajectory. The facility will also streamline and strengthen Attain's balance sheet whilst providing additional capacity for growth in the US. Attain Finance is a consumer credit lender operating in the US and Canada for over 50 years. Its brands include Heights Finance in the United States and LendDirect and Cash Money in Canada.

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