humm is a financial services company founded in 1988 that provides flexible financing solutions for larger purchases. Its offerings span consumer and business finance, including point-of-sale payment plans for retail customers, credit cards, and business asset finance. The company operates under several brand names, including humm90, Q Mastercard, and FlexiCommercial, the latter focusing on business equipment and asset financing.
The company's geographic footprint covers Australia, New Zealand, Ireland, Canada, and the United Kingdom. It sits at the intersection of financial services, consumer finance, and retail, building technology platforms that enable merchants to offer payment plans and consumers to spread the cost of bigger-ticket items over time.
Products in the humm portfolio include the flagship flexible payment solution for retail, two credit card brands (humm90 and Q Mastercard), and FlexiCommercial, which provides leasing and chattel mortgage solutions for businesses acquiring equipment. This breadth of financial products means the company's technology stack spans payment processing, credit decisioning, merchant integration, and account management across multiple regulatory jurisdictions.
