User:Fat Bro/sandbox

= Pepper Group Limited = Pepper Group Limited (shortened to Pepper, also known as Pepper Money) is a consumer finance company that provides lending, property advisory and asset management in both the residential and commercial sectors. Pepper's headquarters is in Sydney, Australia with further offices in Ireland, Spain, South Korea and the UK. As of 2019, it won the Best Non-Bank Lender in the annual Australian Lending Awards.

History
Pepper initially provided residential home loans in Australia in 2000. Between 2006 and 2010, Pepper was owned by Merrill Lynch. Since being taken over in 2010 by a group of private investors, Pepper Money has expanded into other lending areas including auto and equipment finance, personal loans and point of sale finance.

In September 2012, the Pepper Group entered the Irish market after acquiring GE Capital Woodchester Home Loans, including around 3,500 Irish mortgage accounts and also assuming responsibility for servicing GE Capital’s Irish portfolio of personal, small enterprise and auto loans. Through additional acquisitions in 2013, Pepper expanded into the UK, Spain, and South Korea.

In July 2015, Pepper listed on the Australian Stock Exchange with a market capitalization of A$470 million, which increased to $600 million in the first day of trading. Pepper was acquired by KKR Credit Advisors for $657 million in November 2017 and was delisted from the ASX. In December 2017, it released research claiming that a large group of Australians is being under-serviced by financial institutions because 54 percent of those turned down for a loan were unaware that there was another option available. Pepper was the largest Australian issuer of residential mortgage-backed securities in 2018. In January 2020, Pepper Group agreed to sell its Pepper European Servicing division to Link Group for up to €200 million, which includes operations in Ireland, the UK, Spain, Greece, and Cyprus. Also in January 2020, KKR and Pepper were planning a stockmarket float of its Australian business which would value it at close to $1 billion.

Awards

 * Australian Mortgage Awards' Non-Bank of the Year, 2017, 2019
 * Australian Lending Awards' Best Self-Employed Lender, 2015, 2016
 * Australian Lending Awards' Best Specialist Lender, 2013, 2014, 2015, 2016, 2017, 2018, 2019
 * Mortgage Professional Australia's Non-Bank of the Year, 2018, 2019
 * Mortgage & Finance Association of Australia's Best Mutual/Specialty Lender, 2018, 2019

Sponsorship
Pepper Group is involved in several sponsorship. In 2017 it partnered with Pollenizer to back SmallStash a fintech start-up that aimed to focus on financial education for kids and assisting parents to better educate their children on money and savings. It is a sponsor of the Australia-based St. Kilda Football Club since 2015. From 2013, it started sponsoring the Western Sydney Wanderers Football Club. Pepper is the official sponsor of Dublin-based Shamrock Rovers Football Club and an official partner of the Clare Senior Hurling Team.