Implementation
Three Ways to Run
a Multi-Lender Stack
🔑
Individual Lender Portals
Give your sales staff login credentials for each lender’s portal and train them to submit applications manually.
- ✓No software cost
- ✓Direct lender relationship
- ✗Multiple logins per rep
- ✗Human error in submission order
🔄
Consumer Marketplace
A platform that presents every available financing option to the customer side by side.
- ✓One login for your sales team
- ✓Faster decisions for the customer
- ✗Platform fee per funded deal
- ✗Consumer confusion on loan choice
Recommended
⚡
True Waterfall Stack
The gold standard. Submits to Lender 1 automatically, moves to Lender 2 only on a decline, then Lender 3.
- ✓Protects customer credit (no re-pulls)
- ✓You control lender sequence
- ✓Fully automatic, no rep decision-making
- ✓Maximum approval rate per application
How a Second Look Waterfall Works
1
Customer Applies
Soft pull only. No credit score impact.
2
Lender 1 Reviews
Your prime lender gets first look.
3
Lender 2 Reviews
Near-prime or second-look lender receives instantly.
4
Lender 3 (Last Look)
Subprime lender reviews any remaining declines.
5
You Close the Deal
You control the conversation and close the job.
Build a lender stack that approves more of your customers
A free 30-minute review of your current lenders, your trades and your market — no cost, no obligation.
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