Your customers are asking for credit. You do not have to become a lender.
You run the orders, the payments or the cards. That record is the best credit information your customers have. With their consent, we turn it into limits, tenures and terms inside a licensed lender's policy.
How it works with you
| You do | We do | A licensed lender does |
|---|---|---|
| Keep the customer and the experience | Score and grade each customer from your data | Funds the customers who qualify |
| Capture consent and the short application | Set limit, tenure and terms inside the lender's policy | Takes the credit risk it agrees to |
| Show the decision in your app, card or chat | Monitor every account and flag risk early | Collects through the same payment reference |
What you gain: more volume per customer, customers who stay, and no loans on your books.
Three ways to work with us
By API.
Scores and limits returned inside your own workflow, at the point your customer places an order.
Configured with our team.
For platforms whose process needs shaping first, we map it with you in working sessions and configure it to your terms.
Monitored after.
Once credit is extended, every account is watched against the lender's thresholds for the life of the facility.
Getting started
A back-test first. We score your past customers and compare the result with what actually happened. You see the evidence before any live decision is made.