Your Brand. Our Engine.
SMB Lending, Fully Managed.
Quantum Ignite delivers a complete co-branded or white-labeled SMB lending program —
decisioning, origination, servicing, and compliance — so you focus entirely on your customers.
Download the Ignite overview
Originations
Built on $7B+
Active partners
in business
250+
15 years
Brand Without
Infrastructure
You may have the customers
and the brand, but not the
lending infrastructure required
to operate a profitable SMB
program.
In-House Build Is a
Major Operating Lift
Launching internally requires
decisioning, technology,
servicing, compliance, and
capital that most teams are not
built to stand up quickly.
Borrower Demand
Never Becomes a Live
Program
Without a complete operating
model, SMB lending remains an
opportunity you cannot
efficiently bring to market.
How Deployment Works
Connect via API
Configure product
parameters
Launch with
Quantum support
Partner Operational Advantages
Sandbox access in 48
hours; sandbox to
production in 60-90
days; no months-long
infrastructure buildout
Speed without
compromise:
API-first means partner
controls every customer
touchpoint. QLS handles
underwriting,
compliance, and
servicing on its own
balance sheet.
Full UX control,
zero credit risk:
ECOA/GLBA/TCPA-
compliant flows,
automated adverse
action reason generation,
full audit trail — no
compliance infrastructure
for partner to build.
Compliance
built-in:
$
Monetize declined
applicants and existing
customer base without
acquiring new
customers or adding
balance sheet risk.
Revenue from
existing flows:
Bank-grade
reliability:
Built on $7B+ in SMB
loan originations across
15 years of lending
operations — not a
prototype.
How Deployment Works
Connect via API
Configure product
parameters
Launch with
Quantum support
Connect via REST API and web-hooks with your UX, your brand, Quantum's credit engine, compliance, and servicing running behind it.
From sandbox access to first funded loan in as few as 60 days — with QLS developer support throughout the integration.
Connect via REST API and web-hooks with your UX, your brand, Quantum's credit engine, compliance, and servicing running behind it.
From sandbox access to first funded loan in as few as 60 days — with QLS developer support throughout the integration.
Evaluation Path
Use cases
Demo
Technical Discovery with engineering lead
Sandbox Access provisioned
Integration Assessment
Partner Agreement
Sandbox Certification
Compliance Review
Go-Live
Banks &
Credit Unions
For institutions that need a
digital, API-native second-look
pathway for declined SMB
applicants without adding
operational complexity.
SaaS Platforms &
Fintechs
For platforms that want to
embed SMB lending directly
into the product as a native
feature and revenue
opportunity.
ISO Brokers &
Aggregators
For high-volume partners that
need to automate submission
workflows, eliminate manual
entry, and move deals faster
through API-based connectivity
API Layer
Partner
portal
Portfolio
Origination
Decisioning
Multi-variable SMB credit
decisioning built on 15
years of origination data
and $7B+ in loan volume.
Returns approval or decline
outcomes, risk tiering, and
configurable rate
parameters to support
faster, more consistent
credit decisions.
Decisioning
Engine
End-to-end origination
workflow spanning
application intake,
underwriting, approval,
funding, and document
execution.
Helps partners launch
lending programs faster
with configurable product
parameters inside
Quantum’s approved rate
and term framework.
Origination
Infrastructure
Real-time portfolio visibility
across active loans,
payment status,
delinquency alerts, and
portfolio-level risk
reporting.
Includes automated ACH
payment processing and
configurable reporting
exports to support ongoing
program oversight.
Portfolio
Management
Backed by compliance
infrastructure managed by
Quantum, including
lending licenses and
regulatory oversight across
applicable jurisdictions.
Compliance
infraestructure
Quantum Ignite enables banks, ISOs, and marketplaces to launch a fully managed SMB lending program under their own brand, with Quantum operating the decisioning, origination, servicing, and compliance infrastructure required to bring the program to market without building it internally.
Enterprise-ready by Design
Quantum Core Capabilities
Compliance and licensing coverage
ECOA,
GLBA, TCPA
Timeline to funding
As few as 45 days
Deployment model flexibility
3 Partnership
Models
Quantum Core Solution Overview
B2B Marketplaces &
Referral Nets
For platforms that want to
convert SMB traffic into a
scalable referral channel
through programmatic
integration, automated
tracking, and attribution.
Partner
API
Production-grade REST
API with webhooks for
real-time events,
supporting both seamless
handoff and embedded
integration models.
Includes sandbox access
for development and QA,
giving teams a faster path
to implementation and
launch.
FAQ
Schedule a Technical Discovery Call
FAQ
Schedule a
Technical
Discovery Call
Evaluation Path
Demo
Technical Discovery with engineering lead
Sandbox Access provisioned
Integration Assessment
Partner Agreement
Sandbox Certification
Compliance Review
Go-Live
Use cases
Banks &
Credit Unions
For institutions that need a
digital, API-native second-look pathway for declined SMB applicants without adding operational complexity.
SaaS Platforms &
Fintechs
For platforms that want to
embed SMB lending directly into the product as a native feature and revenue opportunity.
B2B Marketplaces & Referral Nets
For platforms that want to convert SMB traffic into a scalable referral channel through programmatic integration, automated tracking, and attribution.
B2B Marketplaces & Referral Nets
For platforms that want to convert SMB traffic into a scalable referral channel through programmatic integration, automated tracking, and attribution.
API Layer
Partner
portal
Portfolio
Origination
Decisioning
Quantum Core gives platforms and engineering teams a production-grade RESTAPI and webhook suite to embed enterprise-grade SMB lending directly into anydigital product, without building credit infrastructure, compliance frameworks, orservicing operations from scratch.
Quantum Core Solution Overview
Enterprise-ready by Design
Compliance and licensing coverage
ECOA,
GLBA, TCPA
Timeline to funding
As few as 45 days
Deployment model flexibility
3 Partnership
Models
Quantum Core Capabilities
