Guide
Auto-release on approval or return if declined. Instant funding upon approval vs. next-day ACH, with committed funds giving borrower confidence.
This concept leverages the following programmable controls to create a secure, compliant payment flow.
Funds committed but not released
Underwriting decision triggers
Final borrower verification
Funds back to lender if declined
A fintech lender completes underwriting in minutes but loan funding takes 24-48 hours due to manual treasury processes. Borrowers often abandon during the wait.
Loan funds are pre-staged in escrow when application is submitted. Upon underwriting approval, funds release instantly to the borrower's account.
Funding time reduced from 36 hours to 3 minutes, loan abandonment dropped 28%
Match instant underwriting with instant funding for competitive advantage.
Modernize loan funding without replacing core systems.
Add instant funding as a feature for your lending clients.
Enable instant financing at point of sale with automated fund release.