Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets. It offers home, car, personal, and commercial loans, as well as asset finance solutions for business assets, such as cars, commercial vehicles, heavy machinery, and office equipment. The company also operates as a third-party servicing partner for various originators and wholesale funding institutions. It has operations in Australia, New Zealand, Ireland, Spain, the United Kingdom, and South Korea. The company was founded in 2000 and is headquartered in North Sydney, Australia.