Built on
$7B+
Originations
15 years
in business
250+
Active partners
Launch Embedded SMB Credit in Weeks, Not Years
Enterprise-grade SMB lending infrastructure for banks, platforms, and partners that need to launch faster and scale with confidence.
Declined applicant volume should not become lost
opportunity
Financial Institutions need a scalable second-look pathway to respond to rising decline volume, fair access expectations, and competitive pressure without adding operational complexity.
Manual submissions
cannot support modern
partner scale
High-volume partners need a faster, more efficient submission model when manual intake starts creating delays, bottlenecks, and avoidable operational drag.
Embedded finance
should strengthen the
product, not complicate it
Platforms need a practical way to launch lending inside the workflow when customer demand, roadmap priorities, and revenue goals outpace internal lending infrastructure.
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.
Quantum Core Capabilities
Partner
portal
Decisioning
Origination
Portfolio
API Layer
ECOA,
GLBA, TCPA
Compliance and licensing coverage
As few as
45 days
Timeline to funding
3 Partnership
Models
Deployment model flexibility
Enterprise-ready by Design
Quantum Core Solution Overview
Quantum Core gives platforms and engineering teams a production-grade REST API and webhook suite to embed enterprise-grade SMB lending directly into any digital product, without building credit infrastructure, compliance frameworks, or servicing operations from scratch.
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.
Decisioning
Engine
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.
Origination
Infrastructure
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.
Portfolio
Management
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.
Compliance
infraestructure
Backed by compliance
infrastructure managed by Quantum, including
lending licenses and
regulatory oversight across applicable jurisdictions.
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.
Partner Operational Advantages
Speed without
compromise:
Sandbox access in 48 hours; sandbox to production in 60-90 days; no months-long infrastructure buildout
Full UX control,
zero credit risk:
API-first means partner controls every customer touchpoint. QLS handles underwriting, compliance, and servicing on its own balance sheet.
Compliance
built-in:
ECOA/GLBA/TCPA- compliant flows, automated adverse action reason generation, full audit trail no compliance infrastructure for partner to build.
$
Revenue from
existing flows:
Monetize declined applicants and existing customer base without acquiring new customers or adding balance sheet risk.
Bank-grade
reliability:
Built on $7B+ in SMB loan originations across 15 years of lending operations not a prototype.
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 an API-native second-look pathway for declined SMB applicants.
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.
ISO Brokers &
Aggregators
For high-volume partners that need to automate submission workflows, eliminate manual entry, and move deals faster through API-based connectivity
FAQ
SMB lending products are subject to credit approval. Rates, terms, and availability vary by state and partner configuration. Quantum Lending Solutions is not a bank.
Platform capabilities depicted are available through the Quantum Core configuration. Some features require additional setup. Integration timelines vary by partner.
Evaluation Path
Demo
Integration Assessment
Technical Discovery with engineering lead
Partner Agreement
Sandbox Access provisioned
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.
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
Partner
portal
API Layer