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.

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Built on

$7B+

Originations

15 years

In business

250+

Active partners

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.

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.

Quantum Core Solution Overview

API Layer

Core modules

Decisioning

Origination

Portfolio

Partner portal

Enterprise-ready
by Design

ECOA, GLBA, TCPA

Compliance and licensing coverage

As few as 45 days

Timeline to funding

3 Partnership Models

Deployment model flexibility

Quantum Core Capabilities

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 infrastructure

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 webhooks 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 45 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

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 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 Networks

For platforms that want to monetize SMB traffic through a programmatic referral model with 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

How long does integration actually take?

Sandbox access is provisioned within 48 hours of agreement. Sandbox certification averages 2–3 weeks for a focused engineering team. Full go-live typically ranges from 60–90 days for Core depending on partner engineering capacity and compliance review. For Ignite, no engineering is required, go-live in 14–60 days. We provide a detailed integration runbook, API schema documentation, and dedicated developer support throughout.

What is your API versioning and stability policy?

QLS uses versioned APIs. Breaking changes are announced a minimum of 60 days in advance. Backward compatibility is maintained within versions. We publish a changelog and version deprecation timeline with every release, and partner engineering leads are notified directly of any upcoming changes affecting their integration scope.

What does your API actually cover end-to-end, pre-qualification through funding?

Quantum Core's REST API is designed to cover the full origination lifecycle: pre-qualification, application submission, document collection, underwriting decision, offer presentation, e-signature, funding notification, and post-funding status webhooks. Specific endpoint coverage is documented in the developer portal. We walk your engineering team through the full API reference in a 60-minute technical discovery call.

Our engineering team is fully stretched. What is the real engineering lift on our side?

Core integration typically requires 4–6 weeks of focused engineering time for one developer. Post-launch maintenance is approximately 2–4 hours per month for version monitoring and minor updates. For Flex, the lift depends on modules selected. For Ignite, the engineering lift is zero, only branding assets and program configuration required.

What is your uptime SLA? We need guaranteed availability for a production lending product.

QLS maintains production monitoring with defined incident response SLAs. Specific uptime commitments are documented in the partner service agreement and are available for review before signing. We share our production monitoring infrastructure overview and incident response runbook in the technical evaluation process.

Visit Full Core FAQ page

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Technical
Discovery Call

Speak to a Quantum Core specialist

* 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.