Finance customer experience optimization platform

Chartered Banks

Create a digital footprint that extends your loan products beyond
in-branch/manual origination. Ledge automates the current manual agent interaction and data entry. With Ledge, partners, employers and retailers can originate your loans.

Alternative Lenders

Go beyond direct mail and affiliate offers. With Ledge your branded loan and retail/purchase financing products can be offered by any partner and seamlessly distributed through a range of channels.

Point of Sale (POS)

Instant retail financing via iPad app providing on-boarding,
pre-qualification, approval, e-sign, and funding. Supports Merchant ID (MID) restrictions and purchase discounts.

Features

Ledge Gateway

Turnkey, mobile/tablet optimized platform; White-labeled within existing app or stand-alone.

Loan Approval

The Ledge Gateway collects all necessary borrower CIP/KYC information to facilitate pre-qual and loan approval on behalf of the lender. This includes income and bank account verification, as well as "soft pull" and "hard pull" credit checks.

Loan Offers

The Ledge Gateway provides "first look" and "second look" loan offers to consumers, maximizing the ratio of completed loans and allowing the lender to utilize their partner network.

Loan Funding

The Ledge Gateway automates loan funding by presenting the borrower with multiple funding options including direct deposit to bank account, instant disbursement to virtually any US debit or General Purpose Reloadable (GPR) card, and instant issuance and funding of MID-restricted or open virtual cards.

Branding and Platforms

Ledge manages app customization, deployment, and support across iOS, Android and web applications. Ledge end-points pull and display customizable standard or application-specific disclosures.

Security and Compliance

The Ledge Gateway is architected to meet or exceed the data security requirements of major financial institutions. Ledge is PCI DSS Level 1 certified.

Rich API

Ledge provides an open, RESTful API to integrate the Ledge Gateway into the Financial Institution (FI) branded loan services or 3rd-party POS loan offers; Disclosures and agreements verbiage is managed by FI via a back-office dashboard:

Pre-qual disclosures
Loan offers
Borrower agreements
and disclosures
Funding options

Micro-services

The Ledge Micro-services provide seamless connectivity to all resources required to originate and fund a loan:

Data capture
Pre-qualification
Application
e-sign
Funding

Pre-qual

Simple and secure
profile creation

Instant pre-qualification
via soft-pull

Application

One-click application

Income flows and
sources verification

Integrated disclosure
and e-sign

Funding

Deposit to Bank

Direct deposit to bank account

Automatically verified bank
account credentials

Push to Card

Support for vast majority of
US debit and GPR cards

Fast funding (30 min or less)

Instant Issue Virtual Card

Delivery via email/SMS

Restrict use by Merchant ID

Apply discounts at Terminal

Built-in Borrower KYC Verification

OCR based ID verification with automated data extraction
Liveness detection via selfie
Instant pre-qual and credit score
Instant bank account verification: income flows and sources, direct deposit credentials

Built-in Instant Funding

Instant disbursement to virtually any US debit or prepaid card - scan or manually enter card details
Instant issuance of virtual cards

Restrict use by Merchant ID (MID)
Apply purchase discounts without POS integration
Push card URL via text message/SMS
Mobile wallet support

Ledge

Solutions