OppFi is a tech-enabled specialty finance platform that provides installment loans to underbanked Americans through partnerships with community banks, aiming to expand credit access and financial inclusion to millions facing credit insecurity. The company operates a digital lending platform called OppLoans that offers transparent, responsible installment loans with no hidden fees, no prepayment penalties, and automated credit decisions powered by proprietary machine learning models that evaluate borrowers holistically beyond traditional credit scores. OppFi generates revenue by partnering with banks that originate and fund the loans while OppFi provides the technology platform, digital acquisition, underwriting, and loan servicing infrastructure; the company earns service fees per origination, participation rights in loans, and ongoing servicing revenues across a multi-state footprint.