Products › Consumer finance platform
Consumer Finance Platform 2.0
One application, every finance partner a merchant works with, and every offer on one dashboard. Maximum approvals today, and a customer account that keeps bringing them back. In production since 2020.
How it works
Apply once. Compare everything.
A customer in a merchant's store, or on the merchant's website, fills out a single financing application. The platform submits it to the finance partners the merchant has chosen, in the order the merchant prefers, and returns every approval to one dashboard. The customer picks the offer that suits them, signs the partner's contract, and the merchant is funded.
Because the customer has a Bridge account, they never re-enter their information. They can come back from their own phone, anywhere, to review offers or re-apply, and the platform follows up for the merchant automatically when an approval is about to expire or a decline has aged out.
Four key features
Built to close the sale, and the next one.
Unified application & dashboard
Apply to multiple finance partners with a single application and compare every offer in one view. More approvals, less "decline fatigue," and a force multiplier for closing.
Lifetime re-marketing
Customers create a Bridge account. Expiring-approval countdowns at 15, 7, 3, and 1 day, and notices when they can re-apply, bring them back without a sales call. Account notifications are "unsubscribe resistant."
Fraud control
Every applicant passes two-factor authentication before anything is submitted, cutting fraud risk for the merchant and the finance partner.
Integrations at no added cost
POS, marketing, lead management, and any open third-party system, including STORIS. We cover integration and maintenance; change integrations any time.
Also in the box
Everything a finance desk needs.
Real-time notifications
Email and SMS the moment a customer applies, in store or online, with a link into the merchant portal to act on it.
Mobile and QR
Customers can apply by scanning a QR code, from a web banner, or with a representative.
Hybrid environments
Filter finance partners by product-type restrictions so the right partners see the right applications.
Exclude feature
Customers can skip any partner, including those that run a hard credit pull.
Right of first refusal
Enforce a primary partner's first-look agreement automatically and stay compliant.
Optional checkout
Contracting and checkout inside the flow, where the finance partner supports it.
Promotion center
Download marketing materials, print or scan QR codes, and get links for every location.
E-commerce ready
Not bound to any e-commerce platform; works on the merchant's website as well as in store.
Reporting
Approvals by finance partner and by store location, in the merchant portal.
Finance partners
Integrated today.
- Synchrony
- Wells Fargo
- Concora Credit
- American First Finance
- Kornerstone Credit
- Kafene
- UOwn
- Acima
- Okinus
- Progressive Leasing
- Koalafi
Lenders and lease-to-own providers alike. We manage the communication with each partner to request API keys, and load them the same day we receive them. We will even help a merchant sign up with new finance companies.
Reliability
No downtime. No support team. No tickets.
The platform has had no downtime since it launched in 2020; maintenance rolls out while it runs. In the past two years the only technical issue was on a finance partner's side, and the platform kept running with the others. What we do hear from merchants is the occasional how-do-I question from store staff. There is no support team and no ticketing system, because there has been nothing for them to do.
Implementation
Lead time? We're already done.
The platform is configuration driven. Aside from any third-party integrations a merchant requests, set-up needs only the names and addresses of the store locations and API keys from the merchant's finance partners. We handle the communication with each partner to request the keys and load them the same day we receive them; the account itself is created in real time when the sign-up form is submitted. Hosted on AWS with a serverless architecture, as an AWS Enterprise customer, so it handles volume without lead time.
Open to new merchants and finance partners. Support for existing ones continues as before: (800) 683-8623 or the contact page.
Why it matters for your project
Where we started building with AI.
This is production software handling credit and lease applications, partner contracts, and funding, with the security and audit requirements that implies. We began building with AI inside it in December 2022. The merchant and finance-partner portals that shipped in January 2023, and the STORIS integration that followed in December 2023, were built with AI in the loop while the platform served customers every day. When we say we build systems that have to work, this is what we mean.