Concora Credit Inc. (formerly Genesis Financial Solutions) is a Beaverton, Oregon-based consumer finance company specialising in non-prime credit products. Founded in 2001, the company originates and services private-label, co-branded, and general-purpose credit cards for consumers who sit outside the prime lending segment. It maintains an additional operational presence in Akron, Ohio.
The company works with hundreds of retail and healthcare partners across the United States, issuing private-label and co-branded cards on their behalf. In 2017, Concora expanded its retail footprint through the acquisition of Signet Jewelers' credit operations. Its own general-purpose card brands - Milestone, Indigo, Destiny, and Earniva - are marketed directly to non-prime consumers. As of 2019, the company had originated approximately $2 billion in credit card receivables.
Across its product lines, Concora's stated focus is on extending credit access to non-prime consumers - those typically underserved by mainstream financial institutions. The company claims to have served millions of customers over its two-decade operating history.
