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We help Bank and Tech Partners Approve
More Business Loans
Trusted by
America’s Leading Financial Institutions
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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.
funded to 16k SMBs
7
billion
7
and large regional banks
super-regional
15 years
and large regional banks
super-regional
7
funded to 16k SMBs
billion
7
15 years
Serving businesses across the United States
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.
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,
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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.
Provide a comprehensive package of services that attracts new customers and increases retention, driving growth for you and your partners.
Seamless Integration
Easily embed our financing through APIs without disrupting your existing processes.
Deliver fast, reliable, responsible financing solutions that keep your small business customers coming back.
Boost Customer
Satisfaction & Loyalty
Keep your customers coming back with fast, reliable, responsible solutions.
Provide longer-term, near-prime financial products that fill market gaps, giving your platform a competitive advantage.
Flexible Financing Solutions
Get a competitive advantage with longer-term, near-prime products that fill market gaps.
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Why Choose Quantum
By leveraging our innovative ML and AI powered decision engine.
Reduce Underwriting Costs
Improve your customerloy alty by offering bespoke financial solutions that would generally be outside your institutions credit risk appetite
Expand Customer
Base
By offering bespoke financial solutions that would generally be outside your institution's credit risk appetite.
Through interest accrued through our products and our balance sheet.
Add New Revenue Streams
Expertise in
Servicing Highly
Regulated Institutions
Our DNA is delivering for highly regulated institutions through disciplined credit and compliance.
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