are debt management specialists
are debt management specialists
recognise every client is different, so every solution is unique
are skilled insurance professionals
provide flexible and appropriate lending solutions
operate with full FCA authorisation

We are Totemic

The Totemic Group believes in creating solutions. With firms fully authorised and regulated by the Financial Conduct Authority (FCA) and Insolvency Practitioners Association (IPA), we combine our services of payment solutions, debt management, insurance and lending under one trusted brand which has delivered winning results for over 20 years.

Our driving force is our commitment to our clients and ensuring our products create a strong and responsible organisation that improves the lives of our clients, our people and our community.

Our Services Contact us


We provide expert debt advice, helping people find a way out of debt and enabling them to take...


PayLink has a proven track record of delivering reliable, professional cash management and onboarding software solutions using robust,...


Our insurance businesses provide a wide range of solutions for our brokers and business partners and we cover...


From consumer solutions to supporting brokers, our partners in Clever Lending, Clever Mortgages, Premium Plan and Red Potato...


About us

We empower our clients by delivering expert financial services and solutions with the relevant authorisation of both the FCA and IPA. Working together as one company, we put our clients first and demonstrate ownership through initiative, accountability, trust, and collaboration.

Find out more

Totemic volunteers ensure success at Inspire+ Mini Olympics

Latest news / 21.06.2017

On one of the hottest days in June, 14 courageous Totemic colleagues used a volunteer day to help support 1100 children at this year’s Inspire+ Mini Olympics. With soaring temperatures befitting the theme of ‘Carnival’ the order of the day was to keep hydrated and to remember to liberally apply…

Read article

New IMA Chair to push for advanced qualification

Latest news / 23.05.2017

The new chair of the Institute of Money Advisers (IMA) is calling for the introduction of an advanced qualification to enhance the free-debt advice sector. Jane Clack, a money adviser at PayPlan, was elected with a majority of 56% and takes the role for a 3-year term. She has been…

Read article

Clever Lending shortlisted!

Latest news / 24.04.2017

We are delighted to share news that Clever Lending has been shortlisted for the Best Secured Loan Broker at the Mortgage Strategy Awards, 2017. Our nomination has now been turned into an official shortlisting, which is excellent considering our relatively short time in the market compared to competitors. This follows…

Read article




UK & European offices

£240 Million

Distributed Annually to Financial Institutions