TECHNOLOGY LICENSING
License the Infrastructure. Run Your Own Program.
Access the full QLS platform stack or specific modules under a software licensing model. Your institution controls deployment, configuration, and program management.
QLS provides the infrastructure, compliance framework, and technical support layer. Built for institutions with dedicated technology teams who want maximum control over program operations.
WHO IS THIS FOR
For Institutions That Want Full Control Over Their Lending Stack
Technology Licensing is designed for institutions that have the engineering resources to deploy and manage their own lending program and want the infrastructure to match.
If your team has the technical capacity but not the time or capital to build a lending stack from scratch, this is your path.
Regional Banks
Expanding SMB portfolio capacity with configurable, API-native infrastructure. Have existing tech teams and need maximum configurability without vendor lock-in.
Best fit:
Quantum Core · Quantum Flex
Embedded Finance Platform
Embedding SMB credit products into existing platforms via REST API. Need native credit capabilities without redirecting users off-platform. Full control over the borrower experience.
Best fit:
Quantum Core
Non-Bank Lenders
Launching or modernizing a specialty lending program with flexible infrastructure. May have existing tech capabilities and need a compliance-ready foundation that deploys in weeks, not quarters.
Best fit:
Quantum Core · Quantum Flex
What Technology Licensing Includes
Every Technology Licensing partnership is built on the same platform infrastructure that powers QLS’s own lending operations. You get production-grade infrastructure on day one, not a proof of concept.
Full REST API &webhook suite
Connect to Quantum’s credit engine, compliance workflows, and servicing operations via production-grade APIs. No opinionated workflows. Deploy modules in any sequence.
Sandbox environment &developer documentation
Access a full sandbox environment before contract execution. Evaluate API performance, data outputs, and workflow alignment against your integration requirements.
Compliance framework included
ECOA, GLBA, and TCPA-compliant flows are embedded into every module. Automated adverse action generation, full audit trail from origination through portfolio management.
Module-by-module activation
Start with the modules you need today. Add capabilities as your program scales. No commitment to a full-stack deployment. No commercial renegotiation required to expand.
Dedicated integration support
QLS provides technical integration assistance, API schema review, and configuration support throughout the deployment process. Your team builds; our team supports.
Ongoing infrastructure & compliance operations
QLS maintains the platform, manages compliance updates, and delivers infrastructure upgrades. You run the program; we run the infrastructure behind it.
How the Partnership Works
Technology Licensing gives you operational control while QLS maintains the infrastructure layer.
Your Institution Owns
- Program strategy, product configuration, and lending parameters.
- Deployment timeline, module selection, and activation sequence.
- Borrower relationship, brand experience, and customer communications.
- Internal team training, staff certification, and operational procedures.
- Integration build against QLS APIs using your engineering resources.
QLS Owns
- Platform infrastructure, uptime, and performance.
- Compliance framework maintenance and regulatory updates.
- API versioning, sandbox environment, and developer documentation.
- Credit engine, underwriting models, and decisioning infrastructure.
- Ongoing technical support and integration assistance.
Built to Work With Your Existing Systems
QLS integrates across your existing core banking system, LOS, and CRM with zero-rebuild implementation.
Whether you’re adding a new lending program or enhancing an existing one, the integration is designed around your current infrastructure, not the other way around.
Core Banking System
API-native connection to your core. No middleware required.
Loan OriginationSystem
Structured intake workflows that complement your existing origination process.
CRM & Servicing
Webhook-driven events for real-time pipeline visibility.
Servicing & portfolio management
End-to-end loan lifecycle coverage from first disbursement through renewal.
From Contract to First Transaction
45–90 days from contract execution to first funded loan. Most institutions complete the technical integration in three to six weeks.
- 1
Technical Discovery
60-minute session with QLS engineering to review your core systems, API touchpoints, data flows, and custom configuration requirements.
- 2
Sandbox Access
Your engineering team receives full sandbox access with developer documentation, API schema, and versioning changelog.
- 3
Integration Assessment
QLS conducts a technical integration review documenting API touchpoints, data flows, and any custom configuration requirements.
- 4
Sandbox Certification
API schema conformance test and integration validation. Required before production deployment.
- 5
Compliance Review and Go-Live
Final compliance review, contract execution, production configuration, and live program activation with active monitoring through the first transaction cycle.
Use Cases
Banks & Credit Unions
Financial institutions with engineering resources building API-native second-look referral pathways or expanding SMB lending programs with configurable infrastructure they control.
SaaS Platforms & Fintechs
Technology platforms embedding SMB credit as a native product feature. API-first architecture means lending lives inside your product. Your borrowers never leave your experience.
Non-Bank Lenders
Specialty lenders launching or modernizing lending programs who need compliance-ready infrastructure with the flexibility to configure program parameters, credit policies, and operational workflows.
ISO Brokers & Aggregators
High-volume ISOs and multi-lender aggregators automating application submission via API to improve deal speed and reduce declined-applicant leakage.
Schedule YourProgram Design Call
Team responds within 72 business hours
What you'll walk away with:
- Clear assessment of program fit.
- Operational scope mapped to your borrower profile and lending goals.
- Preliminary launch timeline with milestones.
- Compliance and resourcing review.
Book an Implementation Consult
No commitment required. By submitting, you agree to receive communication from Quantum Lending Solutions.
Schedule a Technical Discovery Call
Schedule a fraud assessment to review your current application fraud exposure and see how lending-specific detection compares to generic fraud tools.
FAQ
Do we need a dedicated engineering team to use Technology Licensing?
Yes. Technology Licensing is designed for institutions with in-house engineering resources who will manage the API integration and ongoing technical operations. If you don’t have a dedicated tech team, White-Label Deployment or Managed Program Services may be a better fit.
What’s the difference between licensing Quantum Core and Quantum Flex?
Quantum Core provides a full REST API layer across the entire lending stack with no opinionated workflows, maximum control for deep, custom integrations. Quantum Flex delivers nine independently activatable modules you can add to your existing infrastructure without a full-stack commitment. Your integration complexity and program goals determine the right fit.
Can we start with one module and expand later?
Yes. Module-by-module growth is built into the licensing model. You can activate additional capabilities without commercial renegotiation. There is no commitment to a monolithic deployment.
How long does integration take?
Most Technology Licensing partners complete the integration in 45–90 days from contract execution to first funded loan. Actual timelines depend on integration complexity and are confirmed during the Technical Discovery phase.
What compliance infrastructure is included?
Every module includes ECOA, GLBA, and TCPA-compliant workflows, automated adverse action generation, full audit trail from origination through portfolio management, and regulatory reporting capabilities.