We help Bank and Tech Partners Approve
More Business Loans

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We’re a Fintech business lender and
leader in Credit Solutions

Quantum Lending Solutions partners with banks, fintech platforms, and other institutions to deliver tailored business financing solutions.

Our services empower small businesses with fast, reliable access to capital while enabling our partners to expand their lending capabilities and enhance customer experiences.

Quantum Lending Solutions allows you to provide tailored business financing solutions.

Our services empower you to offer fast, reliable access to capital by expanding your lending capabilities and enhancing customer experience.

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funded to 16k SMBs

billion

and large regional banks

super-regional

15 years

and large regional banks

super-regional

funded to 16k SMBs

billion

Collage of diverse professionals in circular frames, representing over 16,000 users, with an orange circle highlighting the number.

15 years

Serving businesses across the United States

Trusted by

America’s Leading Financial Institutions

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Leaders in Hybrid Underwriting

Having processed over 250,000 small business loan applications, our expertise lies in perfecting the hybrid underwriting model, seamlessly blending advanced automation with structured manual input to enhance decision-making.

By leveraging diverse third-party data sets, we have refined our approach to deliver optimized lending solutions.

Over 250,000 processed SMB loan applications.

We’ve perfected the hybrid underwriting model by leveraging third-party data sets and blending automation with manual input.

Bank
Partnership Models

Providing you a range of financing options allowing you to serve a broader market

Our range of financing options allows you to serve a broader market

Streamline your operations to enhance efficiency and scalability, allowing you to focus on business growth:

We provide a-la-carte services in underwriting, sales, closing, and customer service.

Quantum strictly follows your bank's credit policy and product offerings.

Declined applications are referred to us for second-look underwriting.

Quantum-approved loans reside on our balance sheet.

BPO + Second Look Program

Offers comprehensive support through customer service, sales, underwriting services to streamline our clients operations.

These enhance efficiency and scalability, allowing our partners to focus on business growth.

We act as your dedicated small business lending department, providing a-la-carte services in underwriting, sales, closing, and customer service.

Quantum handles underwriting and decisioning for your bank’s commercial credit products, strictly following your Bank’s credit policy and product offerings.

Declined loan applications are referred to Quantum for second look underwriting and decisioning.

If approved by Quantum, funding is on our balance sheet.

Our tailored lending solutions are suitable to maximize your lending coverage and boost revenue while managing risk effectively.

Second Look Lending Program

Allows banks to extend beyond their traditional risk appetite by using Quantum’s tailored lending solutions that are suitable for institutions looking to maximize their lending coverage and boost revenue, while managing risk effectively.

Your Bank processes small business loan applications using your existing loan origination system (LOS) and personnel.

Declined loan applications are referred to Quantum for second look underwriting and decisioning.

If approved by Quantum, the funding resides on our balance sheet.

You process business loan applications through your existing systems.

Declined applications are referred to us for second-look underwriting.

Quantum-approved loans reside on our balance sheet.

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Bank
Partner
Benefits

Bank Partner
Benefits

We report payment history to business credit bureaus to help your customers work toward future bank credit eligibility.

Build Customers
Business Credit

Build Customers Business Credit

Provide alternative lending options to
your business customers who fall short of the bank’s credit requirements, allowing you to diversify and enhance your offerings with minimal disruption or risk

Expand Loan Approvals

Expand Loan Approvals
with No Added Risk

Provide alternative lending options to diversify and enhance your offerings with minimal disruption or added risk.

Present Responsible
Alternative Lending Solutions

Refer your declined business customers to a near-prime lending alternative, reducing the risk of them taking on unfavorable credit products from other lenders.

Present Responsible
Alternatives

Refer declined customers to near-prime lending options, reducing their risk.

Give your business customers the financing they need to grow, ensuring their continued loyalty and success with your bank.

Accelerate Small
Business Success

Provide the financing your customers need for growth and continued loyalty and success with your bank.

Or introduce new ones with our technology, service excellence, and financial acumen.

Optimize existing financing solutions

Strengthen customer loyalty by offering alternative lending solutions, avoiding customer churn to competing financial institutions.

Retain Deposits

Strengthen customer loyalty and avoid churn with alternative financing solutions.

relationships.

strengthening

Empowering growth,

We empower marketplaces to own their entire lending value chain while minimizing capital deployment via fast, reliable financing solutions for their small business customers.

Through seamless API integrations and embedded financing options, Quantum enables partners to easily incorporate our solutions into their platforms, enhancing the overall customer experience.

Enhance the customer experience and take full control of the lending value chain with minimal capital deployment, thanks to our solutions.

Seamlessly incorporate them into your platform through API integrations and embedded financing.

Marketplace
Partnership Models

You refer applicants to Quantum using a unique link.

API integrations enable streamlined applicant transfers to our process.

Integrated Referrals

Partner refers applicants to Quantum for business financing using a unique referral link.

API integrations are available for streamlined applicant transfers to Quantum’s application process.

We manage all underwriting, closing, and servicing.

Quantum manages all underwriting, closing, and servicing once the applicant is referred.

Partner collects and passes application data to Quantum through API integrations.

Quantum underwrites and returns the decision within the Partner's platform.

Applicants remain in the Partner's system throughout, ensuring a seamless experience.

Embed Quantum financing directly within the Partner's platform and user experience.

Embedded Financing

Embed Quantum financing within your platform and user experience.

We receive the application data through API integrations.

We underwrite and return the decision within your platform.

Applicants remain in your system, ensuring a seamless experience.

We Harness AI Technology

for efficiency and deeper insights into each borrower's unique situation. It makes Quantum faster while maintaining the stability and reliability essential for business lending

to get deeper insights into each borrower's situation and to offer a faster process while maintaining stability and reliability.

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Marketplace Partner Benefits

Expand Product Offering
& Drive Growth

Provide a comprehensive package of services that attracts new small business customers and increases retention, driving growth for both you and your partners.