White-Label Lending
Launch a branded lending product without a banking license
White-Label Lending is a fully hosted lending infrastructure platform. Design your loan product, set rates, configure underwriting rules, and go live under your brand in days. Powered by licensed banking partners so you skip the regulatory heavy lifting. Ideal for fintechs, marketplaces, and embedded finance teams.
MRR
$14,320
+12% this month
Active
487
+23 this month
Churn
1.8%
-0.4% this month
$14K/mo
Verified revenue
73%
Choose annual
98.7%
Uptime SLA
<2min
Setup time
The Problem
Sound familiar?
Obtaining a lending license takes 2+ years and millions in compliance costs
Partnering with banks directly requires months of legal negotiation
Building loan origination, servicing, and collections from scratch is a full startup in itself
The Solution
White-Label Lending fixes this.
No-License Lending via BaaS Partners
Leverages pre-negotiated program manager agreements with FDIC-insured banks. You operate under their charter while maintaining full control of your product UX.
Loan Origination System
Configurable application flows, KYC/AML checks, credit decisioning rules, and e-signature — all white-labeled with your logo and color scheme.
Servicing & Collections Automation
Automated payment schedules, ACH debit, late payment reminders, and soft-touch collections sequences reduce delinquency without manual intervention.
How It Works
Set up in under 2 minutes. No complex configuration.
No-License Lending via BaaS Partners
Leverages pre-negotiated program manager agreements with FDIC-insured banks. You operate under their charter while maintaining full control of your product UX.
Loan Origination System
Configurable application flows, KYC/AML checks, credit decisioning rules, and e-signature — all white-labeled with your logo and color scheme.
Servicing & Collections Automation
Automated payment schedules, ACH debit, late payment reminders, and soft-touch collections sequences reduce delinquency without manual intervention.
Investor Reporting & Compliance
Pre-built HMDA, CRA, and CFPB reporting templates export audit-ready data monthly. Investor tape generation available for securitization pipelines.
Embedded Widget SDK
Drop a JavaScript snippet into any website or mobile app to embed the full loan application flow — apply, decide, disburse without leaving your product.
Why not the alternatives?
Same result. A fraction of the price.
| Product | Price | Core feature |
|---|---|---|
| White-Label Lending | $2000/mo | Launch a branded lending product without a banking license |
| Enterprise tool | $149/mo | Overkill for most teams |
| DIY approach | 40+ hrs dev | High maintenance burden |
Integrates with your stack
Simple, Transparent Pricing
No per-user fees. No hidden costs. Cancel anytime.
Launch
- Up to $500K originations/mo
- Branded origination flow
- KYC/AML included
- ACH servicing
- Compliance reports
Scale
- Up to $5M originations/mo
- Embedded widget SDK
- Custom underwriting rules
- Investor tape export
- Dedicated compliance manager
- White-glove onboarding
Frequently Asked Questions
Do we need our own banking license?
No. You operate as a program manager under a pre-approved bank partnership. Legal agreements and compliance frameworks are handled on your behalf.
Which loan types are supported?
Personal installment, BNPL, line of credit, and small business term loans. Invoice financing and merchant cash advance are on the roadmap.
How are interest rates and fees structured?
You set your own APR within the bank partner's approved range. Platform fee is charged as a percentage of originated volume on top of the monthly base.
Ready to get started?
Join hundreds of businesses saving time and money.
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