A borrower submits a single application through your white-labeled interface, web, or in-store. FinMkt's system immediately runs KYC, fraud checks, OTP device verification, and a soft credit pull. No manual handoffs. No delays.
Your credit policies live inside the platform, either hosted directly by FinMkt or connected via API. Decisioning happens in real time. When market conditions shift or underwriting criteria need adjusting, changes can be made without a development cycle.
For lenders operating a multi-lender or waterfall model, the application is simultaneously evaluated across your lender network. Prime, near-prime, and subprime lenders assess the application at once, and eligible offers surface immediately. If the first-tier lender doesn't approve, the system cascades to the next automatically, with no borrower friction.
Once a borrower accepts an offer and authorization is complete, FinMkt handles stage funding, disbursements to merchant accounts, and refunds back to the lender when applicable, all managed by an experienced financial operations team.
There's no multi-month integration project. FinMkt's modular architecture is designed to embed into your existing workflows quickly. Whether you need a ready-to-deploy loan origination system out of the box or a fully customized SaaS integration, the platform is built to go live fast and scale from there.
