How Our Partnership Process Works

A partnership designed to start funding in weeks, not months

Our lender onboarding is intentionally lightweight. Most partners move from first call to receiving live applicant flow inside two to four weeks. There is no software to install, no API required to get started, and no minimum monthly commitment. What we ask for is a clearly documented credit box, a named point of contact for incoming files, and agreement on a per-funded-deal commercial structure.

Once those pieces are in place, your program is added to our routing engine and you begin receiving matched applicants the moment they clear pre-qualification.

Step 1 — Discovery call

A 30-minute conversation to understand your institution, the asset classes you already finance, your current trailer exposure (if any), your geographic footprint, and the segments you want to grow. We share how our platform generates and pre-qualifies applicants, walk through recent flow volume by state and segment, and discuss where your program is likely to fit best inside our lender panel.

Step 2 — Credit box intake

You complete our Lender Intake Questionnaire — a structured 11-question form that captures the specifics we use to route applicants: eligible states, minimum and target FICO, minimum time in business, entity types accepted, industries accepted or restricted, ticket size range, LTV and down payment requirements, eligible collateral (trailer types, age), and any private-party or startup carveouts. The questionnaire takes 15–20 minutes and is what our routing engine reads from directly.

Step 3 — Program categorization and routing setup

Based on the intake, your program is categorized into one or more segments — Prime Business, Startup Business, Consumer, Subprime, or Private Party. Multi-program lenders often occupy two or three categories. Your program is added to the routing engine, tagged for the segments and states it serves, and a test batch of historical applicants is run against your credit box to confirm the match logic behaves the way you expect.

Step 4 — Commercial terms and paperwork

We sign a short lender agreement covering per-funded-deal compensation, applicant data handling, and the reporting cadence for funded volume. There is no exclusivity requirement and no volume commitment. Most partners begin receiving live applications inside 48 hours of the agreement being executed.

Step 5 — Live flow, feedback, and tuning

Once flow is live, you receive matched applications by email or into a shared portal, decision on your normal timeline, and report back funded deals monthly. Every 30–60 days our partnerships team reviews with you which segments are converting best, where the credit box could be tightened or expanded, and which states are producing the most fundable files. The routing rules are then tuned in real time — the credit box is a living document, not a one-time filing.