Pagaya Accelerates Point-of-Sale Market Penetration, with Over $1 Billion in Additional Funding Capacity Through Inaugural POS Securitization
- Pagaya's POS product and leading ABS funding capabilities are in growing demand from POS lenders to strengthen merchant satisfaction and activation
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Inaugural POSH 2025-1 transaction is AAA-Rated by KBRA and establishes flexible funding capacity to scale
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By combining increased funding capacity through POSH with Pagaya’s embedded AI-driven underwriting technology, lenders can approve more customers at the point of sale. This boosts merchant satisfaction, broader adoption and activation. The inaugural transaction, POSH 2025-1, is a
The POS product is optimized for loans with shorter durations – typically six months – and credit profiles in the 600+ range, empowering lenders to approve more customers without additional credit risk. As demand continues to surge across the POS ecosystem, Pagaya is delivering new capital solutions to drive the next phase of lending partner growth.
“The launch of POSH unlocks a new chapter of strong growth for us in the point-of-sale space,” said Sanjiv Das, Co-Founder and President of Pagaya. “It enables Pagaya to support our existing POS lending partners at scale by powering more customer approvals, which in turn drives greater merchant satisfaction and activation. These results are delivered seamlessly through our API integration into our partners’ origination systems, making it easy to unlock value for both lenders and merchants. This is a powerful example of combining differentiated technology and structured finance to solve real market needs in one of the most exciting and fastest-growing segments of consumer credit.”
Pagaya is seeing increased demand from point-of-sale lenders for its lending product solutions, and the POSH program will support that demand in combination with other funding channels. Leveraging the Company’s ABS market expertise to support such a rapidly growing and dynamic market segment, underscores Pagaya’s ability to continually meet the needs of capital markets investors.
“We’re proud to launch POSH and bring Pagaya’s category-leading securitization expertise to the fast-growing point-of-sale market, which we expect will represent a meaningful part of our future business,” said Gal Krubiner, Co-Founder and CEO of Pagaya. “Through all market cycles, we continue to scale and diversify our lending products and long-standing investment offerings, while innovating with new structures to fuel growth in more nascent markets, such as POS. As the number one personal loan ABS issuer in the
POSH 2025-1 has over 20 unique investors participating, some of whom were new investors to Pagaya’s deals, with several repeat investors across Pagaya’s other ABS programs.
The POSH 2025-1 transaction continues Pagaya’s strong momentum in ABS markets, including our PAID and RPM programs. Year-to-date, Pagaya has executed over
About Pagaya Technologies
Pagaya (NASDAQ: PGY) is a global technology company making life-changing financial products and services available to more people nationwide, as it reshapes the financial services ecosystem. By using machine learning, a vast data network and an AI-driven approach, Pagaya provides comprehensive consumer credit and residential real estate products for its partners, their customers, and investors. Its proprietary API and capital solutions integrate into its network of partners to deliver seamless user experiences and greater access to the mainstream economy. Pagaya has offices in
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Source: Pagaya Technologies LTD.
