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Retail & Merchant Lending

If you’re not offering retail loans to consumers, you’re missing out on a growing market for retail purchases that adds up to billions of dollars each year. Instead of allowing these loans to be captured by lenders with inferior loan products, why not consider adding an integrated retail lending process for installment sales and retail finance?

With DecisionLender 4, you can instantly connect with point-of-purchase providers and put your loan product in the hands of borrowers at the most critical time: decision time. Whether it’s a loan for furniture, dental work, medical procedures or a specialty loan product you want to personally design, DecisionLender 4 provides a seamless configurable process from application to funding.

How it works

  • When consumers need to finance a purchase, the merchant enters the applicant’s data into your online application and hits send.
  • The software’s workflow automatically pulls credit reports and other data, then routes the application to a retail loan officer for review or to the auto-decisioning feature to instantly provide a decision.
  • In minutes, the retail finance vendor receives a loan decision and generate a complete loan package. Incorporate eSignature to expedite the process.

Security, configurability and automation at your fingertips

  • Design a uniquely tailored retail lending process for any type of unsecured retail loan, retail finance or installment loan, including specialty lending options such as major purchases for the home, elective medical procedures and dental surgery, solar and powersports.
  • Grow your volume in the competitive arena of retail lending services easily and safely with a cloud-based, software-as-a-service (SaaS) loan origination solution (LOS) that allows you to interface directly with merchants via a secure internet connection in the DecisionLender 4 indirect/merchant lending portal.
  • Connect with third-party point-of-service systems.
  • Put a decision in consumers’ hands quickly, with terms and rates clearly spelled out.
  •  Experience the robust menu of options for real-time management reports that put smart summaries at your fingertips.
  •  Complete the loan process, from application to eSignature to funding, quickly, easily and securely with eCelerate, our paperless solution for automatic forms and contracts.
  • Use DecisionLender 4’s configurable loan forms and eSignature capabilities, or map your own forms into the system.