Application Routing Overview
How applications are matched to lenders by segment, credit, and geography.
Routing is what makes the platform work
Every application that clears intake is scored against every active lender program in the panel. Only lenders whose credit box actually fits the file receive the application. This is the mechanism that produces our higher-than-average fund-through rates: your queue is not filled with files that were never going to fund.
Segment classification
Each applicant is first classified into a primary segment: Prime Business, Startup Business, Consumer Prime, Subprime, or Private Party. Multi-segment applicants (a startup business buying from a private seller, for example) are tagged with both flags and routed to any lender program that accepts the combination.
Match criteria
Within each segment, applications are matched against the specifics of your program: eligible states, minimum FICO, minimum time in business, entity types accepted, restricted industries, ticket size range, LTV and down payment thresholds, eligible trailer types and ages, and any dealer-vs-private-party requirement. All criteria are captured in the Lender Intake Questionnaire and are editable at any time.
Priority and stacking
For each matched application, our routing engine orders lenders by best fit — combining specialization strength (a startup program sees startup files first), historical fund-through rate on similar files, and any lender-specific preferences you've set (target ticket size band, preferred trailer types, etc.). Applicants can be presented to multiple lenders in parallel or sequenced based on your preference.
Real-time visibility
Partnerships reviews with you every 30–60 days which segments and states are producing the most fundable flow for your program, and where a small adjustment to the credit box would open up meaningful additional volume. The routing rules are updated in real time — no software release, no downtime.