A multi-lender point-of-sale financing orchestration panel

CHARGEAFTERbuyer room · privateManage buyer room

A multi-lender point-of-sale financing orchestration panel. The platform routes a single consumer or business application across a network of lenders and six distinct credit products - 0% APR financing, instalment loans, revolving credit, consumer BNPL, business BNPL and lease-to-own - using waterfall routing, across online, in-store, in-home and call-centre channels. What that mechanism necessarily records is unusually valuable: for each application, the ordered sequence of lenders queried, each lender's accept-or-decline response, and the term and pricing actually offered by each, plus the merchant, vertical, ticket size and channel context. It is therefore a cross-lender approval-and-pricing panel rather than one lender's book, spanning prime through subprime credit bands and covering B2B (business BNPL for inventory and equipment) alongside consumer credit.