Spencer Cotten

Verdata has built a proprietary data network that empowers the rapidly growing embedded retail lending sector—rent-/lease-to-own, buy-now-pay-later, point-of-sale, SMB Lending, Merchant Acquirers/Payment Processors, Healthcare--Medical Financing and others to assess, mitigate, and monitor for fraud, regulatory exposure, and customer service risk that has emerged as a threat.

Spire is transforming everyday spend with a convenient payment solution designed to lower transaction processing costs for merchants while enabling them to drive loyalty by providing customer rewards that matter. Spire’s Pay with Spire platform leverages Discover’s network to deliver the first-ever merchant-branded Automated Clearing House (ACH) payment solution at the point of sale with no integration required. Designed for seamless transactions across point-of-sale systems, digital wallets, in-app purchases, and online environments, Pay with Spire reduces merchant processing costs by 50-90% while offering customers a secure, bank-linked payment option. With over 55,000 merchant locations, Pay with Spire uses Discover’s credit rails to eliminate costly fees and back-end integrations for merchants. Meanwhile, consumers enjoy a smooth, familiar payment experience enhanced by credit card-like rewards. With Spire, merchants and customers can unlock everyday spend that rewards.

Verdata has built a proprietary data network that empowers the rapidly growing embedded retail lending sector—rent-/lease-to-own, buy-now-pay-later, point-of-sale, SMB Lending, Merchant Acquirers/Payment Processors, Healthcare--Medical Financing and others to assess, mitigate, and monitor for fraud, regulatory exposure, and customer service risk that has emerged as a threat.

3i is a leading international investment company with two complementary businesses, Private Equity and Infrastructure, specialising in core investment markets in northern Europe and North America. We provide our shareholders with access to the higher growth potential of mid-market unquoted companies. We use our strong balance sheet and our expertise in specific sectors and geographies to realise this potential and aim to generate mid to high teens returns for our shareholders. We back entrepreneurs and management teams of mid-market businesses in Europe and North America. Once invested, we work closely with our portfolio companies to achieve their full potential.