Turn Down Programs

Convert declined credit applications into ongoing revenue streams for your credit union

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Say "Yes" to more members.

Convert declined credit applications into revenue for your credit union.

We review applicants you couldn't approve and use our risk models to approve qualified candidates. We share resulting income with your credit union and collaborate on cross-selling your credit union's products to these customers.

How We Make It Happen

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Different Risk Assessment

We evaluate declined applications using additional data sources and risk criteria that may differ from your underwriting standards. Sometimes we can approve applicants you had to decline based on our risk tolerance and evaluation methods.

Revenue Sharing

When approved cardholders make purchases and payments, you receive a percentage of our profits.

No Additional Operations

We handle everything from approval processing to customer service to collections. No need for additional staff, systems, or infrastructure.

Member Relationship Benefits

When we approve someone, we communicate that their credit union helped facilitate the solution. Your members see you as the institution that found them an option, strengthening their loyalty.

Explore Other Services

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Learn more about Portfolio Acquisitions →
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Learn more about our White Label Cards →
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Learn more about our Financing Lines →

Differentiate your products, drive engagement, accelerate your growth

Connect with us to start your financial journey today.

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