Boost Profits by Offering In-House Financing to Your Clients

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Boost Profits by Offering In-House Financing to Your Clients

Your all-in-one solution for seamless customer financing.

Introducing Lending-as-a-Service (LaaS): Your all-in-one solution for seamless customer financing. With our technology-driven platform, your business can effortlessly design unsecured installment loans while we handle regulatory audits, risk management, and compliance frameworks.

Stay focused on your business as we ensure you offer the perfect financing options, all while maximizing returns with borrower payments!

Book a Free 15-Minute Demo

Join More Than 10,000 Merchants & 150,000+ Borrowers Who Trust LendingUSA

Founded in 2015

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10,000+ Enrolled Merchants

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10 Billion+ Applications

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$1 Billion+ Loans Originated

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4000+ 5-stars Reviews

Awarded “Emerging Lending Platform of the Year”

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Why Choose LendingUSA for Your Loan Origination & Servicing Needs?

Unlock the benefits of Lending-as-a-Service with LendingUSA! Enhance your revenue with additional yield, boost sales by offering flexible financing options, and lower operational costs. Our platform reduces customer acquisition expenses and ensures seamless compliance and risk management. Discover how LendingUSA can elevate your business today!

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Earn Yield

Generate extra revenue by earning yield from interest on your customer’s loans.

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Lower Fees

Maximize revenue by earning transaction interest, cutting finance costs, and reducing expenses

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Sell More

Offering financing options boosts sales and gives customers more choices, eliminating the need for cash discounts.

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Enhance Profits

Boost conversions by expanding approval rates, reducing acquisition costs, and increasing profit

Why Choose ServicingUSA?

Choose ServicingUSA for our revolutionary loan management system, providing unparalleled flexibility, effortless payment processing, and simple API integration with 250+ configuration options. Elevate your collections performance and customer interactions with Al-driven features while empowering customers through a user-friendly portal for seamless account management and payments.

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Compliance and Regulatory Relief

No more dealing with complex compliance issues or regulatory audits. LendingUSA and ServicingUSA handle all the heavy lifting, allowing you to focus on growing your business.

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Earn Interest on Loans

One of the most attractive benefits of LaaS is the ability to earn interest on approved loan transactions. This additional revenue stream can substantially boost your profit margins, providing your business with a consistent flow of income from the interest collected on loan payments.

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Expand Approval Rates

LaaS enables you to expand your approval rates by offering more flexible financing options to your customers. By utilizing risk tier models and down payments, you can cater to a broader range of customers, increasing the likelihood of loan approvals and subsequent sales.

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Customized Loan Terms

Merchants have the flexibility to design loan terms, including merchant discount fees, promotion periods, underwriting criteria, origination fees, down payments, and interest rates based on risk tier models.

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What You Get

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Down Payment

Cover your fixed costs with a down payment. We collect via debit card, swiftly returning it to your business all while preventing fraud and mitigating risk

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Merchant Fee/Discoun

Benefit from tiered Merchant Discounts with our system, enabling flexible fee structures to cover capital deployment and mitigate losses based on your deal's capital structure

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APR, Loan Terms, Promotional Periods

We tailor APRs, Loan Terms, and Promotional Periods to comply with state regulations while maximizing yield. Our risk- based pricing strategy attracts top-tier credit customers while mitigating losses from riskier applicants

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Loan Origination Fee

Boost revenue with our Loan Origination Fee. Platform fees, usually matching the Origination Fee, are billed monthly, reimbursed as customers pay. Servicing Fees, offset by accrued interest rates, are billed separately.

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Special Purpose Vehicle

Having LaaS with LendingUSA is a transformative approach that allows merchants to offer point-of-sale financing options seamlessly using their own cash reserves or special purpose vehicles (SPVs).

Hear What Others Have to Say

Explore how Lending-as-a-Service has transformed our clients' businesses. Discover the significant enhancements in sales, revenue, and customer satisfaction through their testimonials

Industry Awards

Emerging Lending Platform of the Year

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Founded in 2015

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10,000+ Enrolled Merchants

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10 Billion+ Applications Processed

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$1 Billion+ Loans Originated

Recognition

Certified Minority Owned Business

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What are the Next Steps?

Discover the seamless set-up process with LendingUSA. From assessing your current products/services to establishing a cash reserve and completing agreements, our team ensures a smooth journey towards maximizing your business potential.

Below you'll find the 3 easy steps to get started with Lending-as-a-Service?

How Lending USA Works
1

Meet with a LaaS exper

Evaluate products and services with a LaaS expert to create financing options and review projected loan returns.

2

Set up an SPV

Set up a cash reserve or special account, and finalize agreements for loan purchasing and servicing.

3

Get the team trained

We will train your team and ensure everything is ready for a smooth launch.

Book a Free 15-Minute Demo

Experience seamless customer financing with Lending-as-a-Service (LaaS). Our platform handles regulatory audits, risk management, and compliance, so you can focus on boosting revenue and sales. Lower fees, reduce acquisition costs, and tailor loan terms to maximize returns. Schedule a demo today to see how LaaS can transform your business!

FAQ Page

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