// Captive Lending

Integrated Lending Solution for Enterprises

CaptivLend empowers enterprises to offer financing under their own brand, capture more revenue, and maintain control over the customer experience and credit portfolio.

Increase Your Profitability

By managing the lending process in-house, enterprises can retain income and fees that would normally be allocated to external financiers, creating a new revenue channel and boosting overall margins.

Offer More Competitive Rates

Direct control over rate structures empowers organizations to adapt quickly to market demands, enabling better financing terms that increase conversions and customer satisfaction.

Streamline Approvals & Operation

Automated decisioning and document management reduce manual tasks and shorten approval timelines, enhancing operational efficiency and improving the overall customer journey.

Have Full Control Over the User Experience

Direct control over rate structures empowers organizations to adapt quickly to market demands, enabling better financing terms that increase conversions and customer satisfaction.

Reduce Reliance on Third-Party Lenders

Own the credit decision and underwriting process to provide a single lender experience, eliminating the need to navigate different lenders and processes, ensuring consistent access to funding and more predictable project timelines.

Features

Consumer Application Templating

Configurable workflows, co-applicant support, and custom branding for various scenarios.

Advanced Underwriting & Credit Analysis

Leverages thousands of credit attributes and alternative data, with soft-pull prequalifications.

Centralized Merchant Portal

Consolidated reporting, role-based access, single- or multi-stage funding, and daily reconciliation in one interface.

Sponsor Bank & Loan Sale Support

Pre-approved by multiple issuing banks, featuring automated loan sale integrations when needed.

Merchant Underwriting & Monitoring

Tailored criteria and ongoing checks against authoritative databases to minimize merchant risk.

Fraud & KYC Controls

Multi-layer authentication, ID scanning, and biometrics, backed by FinMkt’s dedicated risk team and approved policies.

Automated Document Generation & E-Sign

Seamless creation, e-signature, and secure storage of all regulatory and contractual documents.

CaptivLend consolidates underwriting, fraud detection, compliance, and funding management into a single, scalable platform. This end-to-end solution enhances profitability, streamlines operations, and reinforces control over the lending lifecycle.

For more information on how CaptivLend can boost organizational revenue and operational efficiency, please contact FinMkt.