Silverstripe Investment Management

Perenna Bank PLC is focused on creating a customer-centric mortgage lending experience, offering fair and flexible mortgage solutions tailored to the needs of various borrowers, including first-time buyers, home movers, and those seeking to remortgage or secure financing in later life. The bank's innovative platform provides fixed-rate mortgages, ensuring full payment certainty and differentiating itself from traditional lenders by alleviating concerns about refinancing and interest rate fluctuations. Additionally, Perenna Capital Management LLP, an independent investment management and advisory firm affiliated with Perenna, offers investors access to direct investments in residential mortgage loans through specialized fund structures. This dual approach positions Perenna as a versatile player in the mortgage market, committed to supporting individuals in their home financing journeys.

Shackle is a hotel management software that enhances the guest experience by digitizing various aspects of hotel stays. The platform offers features such as automated keyless check-in and check-out, allowing guests to simplify the check-in process to a few clicks on their mobile devices. Additionally, guests can order room service and request on-demand room upgrades directly through the app, streamlining their entire stay. By automating administrative tasks and integrating various hotel systems into a user-friendly interface, Shackle not only reduces operational costs for hotels but also provides valuable data on guest preferences, which can be leveraged to boost revenue as guests explore the surrounding area.

Zopa is a peer-to-peer lending platform that connects lenders directly with borrowers, eliminating the need for traditional banks as intermediaries. This service allows individuals to invest their savings by lending small amounts to multiple borrowers, thereby spreading risk. Zopa offers an app to help users manage their loans, credit cards, and savings, while also providing tools to monitor their credit scores. The company mitigates risk for lenders through measures such as mandatory monthly direct debit repayments and legal contracts with borrowers. Zopa generates revenue by charging borrowers a fixed fee and a 1% annual fee for lenders. The platform has received several accolades for its innovation and customer service, highlighting its reputation in the financial technology sector.

PayDock is a payment orchestration platform that helps businesses and not-for-profits enhance their transaction capabilities while reducing costs and increasing efficiency. It allows organizations to create flexible payment ecosystems by connecting them to a sophisticated payment stack through a single service. PayDock offers features such as unlimited connections, payment routing, enterprise security, data reporting, subscription management, and fraud prevention. This comprehensive approach enables users to track transactions from beginning to end, simplify reconciliation and auditing processes, and ensure the safety of customer data. By providing adaptable and cost-effective solutions, PayDock empowers organizations to improve revenue and customer engagement while future-proofing their payment operations.

Perenna Bank PLC is focused on creating a customer-centric mortgage lending experience, offering fair and flexible mortgage solutions tailored to the needs of various borrowers, including first-time buyers, home movers, and those seeking to remortgage or secure financing in later life. The bank's innovative platform provides fixed-rate mortgages, ensuring full payment certainty and differentiating itself from traditional lenders by alleviating concerns about refinancing and interest rate fluctuations. Additionally, Perenna Capital Management LLP, an independent investment management and advisory firm affiliated with Perenna, offers investors access to direct investments in residential mortgage loans through specialized fund structures. This dual approach positions Perenna as a versatile player in the mortgage market, committed to supporting individuals in their home financing journeys.

Zopa is a peer-to-peer lending platform that connects lenders directly with borrowers, eliminating the need for traditional banks as intermediaries. This service allows individuals to invest their savings by lending small amounts to multiple borrowers, thereby spreading risk. Zopa offers an app to help users manage their loans, credit cards, and savings, while also providing tools to monitor their credit scores. The company mitigates risk for lenders through measures such as mandatory monthly direct debit repayments and legal contracts with borrowers. Zopa generates revenue by charging borrowers a fixed fee and a 1% annual fee for lenders. The platform has received several accolades for its innovation and customer service, highlighting its reputation in the financial technology sector.

Zopa is a peer-to-peer lending platform that connects lenders directly with borrowers, eliminating the need for traditional banks as intermediaries. This service allows individuals to invest their savings by lending small amounts to multiple borrowers, thereby spreading risk. Zopa offers an app to help users manage their loans, credit cards, and savings, while also providing tools to monitor their credit scores. The company mitigates risk for lenders through measures such as mandatory monthly direct debit repayments and legal contracts with borrowers. Zopa generates revenue by charging borrowers a fixed fee and a 1% annual fee for lenders. The platform has received several accolades for its innovation and customer service, highlighting its reputation in the financial technology sector.