Start with a pilot
Tell us the market, the product and your criteria. We will come back with a proposed flow, commercial model and test volume.
For lendersLenders
Applicants ready to be decided on. Not clicks to chase.
For banks, consumer-finance companies and non-bank lenders that want incremental, good-quality loan volume in our markets. You set the criteria. We bring applicants who match them and report on what you disburse.
Where your product enters the journey.
- 01DoAffAcquireOwn consumer brands, paid media, remarketing and the affiliate network bring in people actively looking to borrow.
- 02DoAffQualifyEligibility is checked against your criteria — income, employment, obligations, documents — and the application is completed.
- 03DoAffDeliverReal-time API with status callbacks, deduplicated and consented — or routed straight into your own onboarding.
- 04LenderDecide, disburse, feed backYour credit policy, your decision. Decision and disbursement feedback lets us tune sources to what you actually approve.
Easy to switch on. Worth keeping on.
Incremental demand
Customers reach us through our own brands and network — not the channels you already run. Volume can be capped, ring-fenced by product or segment, or scaled on request.
Qualification to your rules
You define the criteria; we apply them before you see the application. Fewer declines, less wasted underwriting time, and a better experience for the customer.
Integration on your terms
Standard REST API with real-time delivery and status callbacks, or applications routed into your existing onboarding. Start with a test volume, then scale.
Issued-loan reporting
We report on what is disbursed, not only on what is delivered — and benchmark each source and market against its potential, so you see where the next volume comes from.
Commercials that align incentives
Per lead, per qualified application or per issued loan, including models tied to issued amount. We propose the structure that makes both sides want the same thing.
Compliance you can audit
Documented consent and disclosures per market, GDPR-aligned data handling, retention per local law. Our Chief Legal Officer’s team is your counterpart on regulatory questions.
Pick the model, we’ll size the volume.
| Model | You pay for | Best when |
|---|---|---|
| CPLper lead | Each consented, deduplicated applicant delivered to your criteria. | You want to test a market or product quickly and have your own decisioning. |
| CPAper qualified application | Each application that meets your defined qualification rules. | You want to pay only for applicants your underwriting will realistically approve. |
| CPSper issued loan | Each loan you actually disburse; optionally a share of the issued amount. | You want fully aligned incentives and can share decision and disbursement feedback. |
Any licensed lender whose product fits the applicant.
- Retail and universal banks with consumer-lending or refinancing products
- Consumer-finance and instalment-loan companies
- Licensed non-bank and online lenders
- Mortgage and loan-refinancing providers
Regulated space
We only work with lenders that hold the licences or registrations their market requires, and we operate under the consumer-credit intermediation rules of each jurisdiction we serve.
From first call to live volume in three steps.
- 1
Criteria & commercials
You share product, eligibility rules and appetite. We propose the flow, the commercial model and a starting volume.
- 2
Integration & test
API or routed onboarding is set up and tested end-to-end with a controlled volume. Feedback loops are agreed.
- 3
Scale & review
Volume is opened up by source and market. Performance is reviewed with you on a fixed cadence and sources are tuned to what you approve.