In-store
Full storefront POS capture with drawer, ID scan, signature pad and check scanner support — the branch workflow, not a web form on a counter PC.
Origination suite
Origination that says no before the offer, not after
Intake from any channel, automated verification, bureau and alternative-data decisioning and a configurable underwriting matrix — with state rules checked before a borrower ever sees terms.
4intake channels: store, online, phone, lead feed
30+verification and bureau integrations available
50state rule sets, configured not coded
Intake
Every way a loan application arrives
Online
Borrower registration, loan application and follow-on transactions through QFund Online, with eSignature and document upload built in.
By phone
The borrower gives their details over the phone and the CSR or agent keys the loan application straight into the same screens used in branch. The completed application then goes out for eSignature as an email or SMS link, so the borrower signs from wherever they are.
Lead providers
Direct feeds from lead marketplaces and referral partners, de-duplicated against your existing borrower base on arrival.
Partners →Your own portal, over the API
Loan applications submitted from a front end you built yourself: the same verification waterfall, underwriting matrix and offer generation run behind a RESTful JSON call, and the decision comes back to your screen.
API layer →Verification
Prove the applicant before you price the loan
QFund calls the checks you choose, in the order you choose, and stops early when a decision is already determined — so you are not paying for a bureau pull on an application that failed address verification.
Address verificationService Objects, Smarty and LexisNexis for standardisation and existence checks.
Contact, phone & emailTARGUSinfo, Service Objects and SendGrid for reachability before you lend.
Bank account verificationDecisionLogic, Plaid, AccountScore and Atomic for account existence and scoring.
Employment & incomeThe Work Number, Pinwheel and Argyle for employment and payroll confirmation.
Identity & fraudIDology, Intellicheck, Socure, iovation and MaxMind for ID proofing and device risk.
Credit & alternative dataExperian, TransUnion, Equifax, Clarity, FactorTrust, MicroBilt and CoreLogic Teletrack.
State databases are part of the decision, not an afterthought
Where a state operates a mandatory lending database — Veritec and equivalents — QFund queries it inside the origination flow, so eligibility, concurrent-loan limits and cooling-off periods are enforced at the point of decision rather than discovered in an audit.
Decisioning
A matrix you can actually change
The underwriting matrix is configuration. Score bands, income multiples, verification requirements, maximum principal by tenure and channel, and the order in which checks run are all set up by your team — not quoted as a development change.
- Customisable underwriting matrix per loan product, brand, channel and state
- Several loan products of the same loan type offered side by side, each with its own matrix and fee configuration
- Waterfall logic: stop as soon as the outcome is determined
- Manual review queues with reason codes and audit trail
- Counter-offer and step-down amounts rather than a flat decline
- Duplicate and existing-borrower detection before a new file is created
Offer generation
Once a decision exists, QFund builds the offer against the state rule set: APR from amount, rate, duration, frequency and instalment count; fee schedule; first-payment date including alternate first-payment handling; and the disclosure package the state requires.
The agreement, disclosures, authorisation letters and receipts are produced from your own document templates — QFund exposes the placeholder values it already holds for the borrower, the loan, the schedule, the fees, the store and the brand, and you map them straight in. A new state package or a re-worded agreement is configured and tested, not developed.
The borrower signs electronically, the documents are stored against the loan, and disbursement is available immediately — in cash at the counter or as an instant card funding online.
Approve, fund and document in one session
Because origination, disbursement and servicing are the same core, an approved application becomes a funded, scheduled, accruing loan without a hand-off, a file transfer or an overnight batch.
FAQ
Origination questions
Can we control the order and cost of verification calls?
Yes — that is the point of the waterfall. Cheap or free checks run first, and the flow exits as soon as an outcome is determined, so you do not pay for a bureau pull behind an application that already failed identity or address verification.
Does the borrower see the same experience online and in-store?
They see channel-appropriate interfaces over the same rules and the same data. A borrower can start a loan application online and finish it at a counter, and the loan will price identically either way because the rule set does not change with the channel.
How are declines handled?
With reason codes, an audit trail and, where your policy allows, an automatic counter-offer at a lower principal or different tenure rather than a flat decline. Adverse-action requirements are part of the state configuration.
See origination run against your rules
Bring your underwriting matrix and a difficult state. We will configure it and run live applications through it.