OpsFlow

OpsFlow is a Polish IT consulting and software development firm focused on the lending and fintech sector. Founded around 2019 (the site states "the last 5 years"), the company specializes in building loan origination, servicing, and recovery software for UK-based lenders. They work with cash-flow lenders, auto lenders, mortgage lenders, BNPL providers, and specialty lenders across niches like solar and equipment financing. The company operates through permanent placement and staff augmentation, placing engineers directly with clients or providing contract developers to scale teams.

Services and capabilities

OpsFlow builds three core categories of lending software: origination systems (eligibility checks, loan applications, underwriting, processing, disbursement), servicing platforms (payment scheduling, collection, delinquency monitoring, accounting), and recovery tools (delinquent loan collection, restructuring, settlement, write-offs, asset repossession, credit reporting).

They integrate third-party infrastructure commonly used by UK fintech firms, including open banking providers, payment processors, communication services, and identity verification vendors. This modular approach lets them assemble loan platforms from existing components rather than building everything from scratch.

Beyond software delivery, OpsFlow offers permanent engineering placement and staff augmentation. The permanent placement model sources and vests engineers for full-time roles within client organizations. Staff augmentation provides contract developers who extend client teams with scaling flexibility. They offer a free first solution design as an entry point—clients provide requirements and OpsFlow scopes and designs the initial system at no charge.

Notable work

Clients mentioned by name include Arrears (an AR management and accounts receivable portal), Motil, Scrollstop (a subscription SaaS platform), JustAskMe, 24seven, and Pneuma Media. The founder of Arrears, Trent Marshall, said their team "delivered a smart and innovative product." Jan Armbruster (Scrollstop CEO) noted the team shipped "incredibly fast" and "delivered an amazing product." Mark Scalice (Motil) stated OpsFlow "helped us set clear objectives for our development and met them in a timely manner."

One client, Red Roots Capital, received a lead capture tool for mobile home manufacturing. Another project involved building a debt management portal and debt resolution tool for a client called Lever. These applications map to the lending verticals OpsFlow targets: arrears management, accounts receivable, and debt negotiation.

How they work

OpsFlow engages clients through permanent placement, staff augmentation, or fixed project delivery. The permanent placement model involves sourcing, vetting, and placing full-time engineers on client teams. Staff augmentation uses vetted contract engineers who integrate into existing teams. For software projects, they offer a free initial scope and design phase, with no charge for this consultation work. Client testimonials suggest project timelines are tight and delivery is prioritized, though specific engagement terms (sprint length, retainer vs. fixed price, communication cadence) are not detailed on their public site.

Team and credentials

The site mentions a team member named Vova but does not disclose overall headcount, office locations beyond Poland, certifications (ISO, SOC 2), or partner statuses (AWS, Microsoft). No founding team is named. The company has been operating for approximately five years and serves clients across the USA, Germany, and Romania based on the testimonials cited.