Atlanticus (NASDAQ:ATLC) is a specialty finance company that originates, issues and services consumer credit solutions primarily for non-prime and near-prime borrowers in the United States. Through a balance‐sheet lending model and strategic funding arrangements, Atlanticus provides unsecured installment loans, revolving lines of credit and secured small-dollar loans. The company partners with digital aggregators, affinity organizations, retailers and call centers to integrate credit offerings directly into the customer acquisition and payment experience.
Atlanticus’s product portfolio includes point-of-sale installment financing, long‐term consumer loans and consumer lines of credit under private-label and co-brand agreements. Its flagship offerings, such as CreditFresh and Payveris (among others), are delivered via partner websites, proprietary servicing portals and call-center platforms. Atlanticus retains servicing rights on a growing portfolio of over one million active accounts, leveraging in-house underwriting, risk-management systems and customer support teams to monitor performance and maximize recoveries.
Founded in the mid-1990s and reorganized under its current name in 2013, Atlanticus has broadened its footprint from a regional lender to a nationwide specialty finance platform. The firm holds all required state licenses to serve borrowers in more than 40 states and maintains compliance with federal lending regulations. Over the years, Atlanticus has built a technology-driven servicing infrastructure that supports third-party sub-servicing engagements for other specialty credit originators, further diversifying its revenue streams.
The company’s executive leadership team combines veterans of consumer finance, payments and regulatory compliance. At the helm is a Chief Executive Officer with decades of experience launching and scaling credit products, supported by senior officers in finance, operations, legal and risk management. Together, they guide Atlanticus’s strategic initiatives in digital product innovation, customer acquisition and portfolio performance.
