Retain control of customer relationships and revenue while FinMkt provides the infrastructure, compliance, and integrations with loan servicers. Loans are funded by third-party capital providers with predefined credit parameters, allowing for rapid deployment while FinMkt supports the regulatory and operational burden of in-house lending.
Keep the Customer Journey In-House
Customer financing stays fully embedded within your brand experience, giving you complete control over the user journey while strengthening customer loyalty and lifetime value.
Control Pricing and Policy.
Easily adjust real-time credit criteria, terms, and promotions to align with evolving business strategies or market conditions, keeping your financing as agile and competitive as your core business.
Own the Data
Gain visibility into customer behavior, credit performance, and conversion trends to optimize targeting, personalize offers, and refine product structures, driving higher engagement, approval rates, and portfolio performance over time.
Generate a New Income Stream
Transform dealer fees into a new revenue stream by capturing fee income typically paid to third-party lenders.
Capabilities
Platform Capability
How It Supports Your Team
Consumer Application Templating Engine
Full control over the customer’s user experience to align with your sales process.
Customized Consumer Credit Underwriting
Programs built around your customer base to increase approvals, engagement, and performance.
Fraud, KYC/CIP Engine
Layered identity, AML, and device checks run automatically—no extra integrations needed.
Document Generation Engine
Automatically create, present, and securely store all required disclosures and contracts with e‑signature.
User‑Friendly Retailer Portal
Give internal teams and merchants a single portal for application status, funding, and reporting.
Financial Operations & Disbursements
Funds move securely to accounts, reconciled and audit‑ready.
Follow‑the‑Sun Client Support
FinMkt’s client support team answers questions in seconds, seven days a week.
Sponsor Bank Access
Origination flows through partner banks—no charter or state origination compliance required on your side.
Servicer Integrations
Connect to leading loan servicers for boarding, payment processing, and customer support.
Purchaser Allocation Engine
Allocate loans to warehouse lines, investors, or your own balance sheet with configurable rules, diversifying sources of funding.
Prepare Loans for Sale
Built‑in data tapes and compliance checks streamline secondary‑market execution.
Portfolio Monitoring & Optimization
Live dashboards display performance trends and recommend credit‑box adjustments.
Built Around Your Business
Launch lending products that reflect how your customers want to pay. Offer pay-over-time options, promotional financing, or hybrid products - structured, delivered, and branded by you, powered by FinMkt.
