Launch next-gen credit card programs
LoanPro’s API-first credit platform gives you the tools to configure, deploy, and service credit cards through any issuer while unlocking competitive differentiation.
A unified platform to launch credit cards
LoanPro’s composable architecture provides you with the building blocks for next-gen credit card programs.
Origination Suite
Connect to any issuer, underwriting tool, and decisioning engine through LoanPro’s API-first platform.
Modern Lending Core
A reliable foundation that tracks all card events in our Real-Time Ledger while using Compliance Safeguard to keep you in line with the CARD Act and other regulations.
Servicing Suite
Automate servicing for cards so customers can request draws, make payments, change due dates, and more.
Collections Suite
Provide payment flexibility and hardship programs for customers who are past due on payments.
Payments Suite
Setup AutoPays and provide ultimate payment flexibility by storing tokenized payment profiles in LoanPro’s patented Adaptive Wallet.
The tools necessary to launch fully configurable credit cards
Transaction-level credit
Apply unique interest rates to specific merchants, categories of transactions, geolocations, or more (patent-pending innovation).
Agent Walkthroughs
Create and customize step-by-step guides that lead agents through any process.
Swipe data enrichment
Enrich your transaction data to understand merchants, categories of spend, geolocations, and other insightful data points.
Bring-Your-Own-Issuer
Seamlessly integrate the issuing processors of your choice into LoanPro’s modern, API-first platform.
Sub-lines
Full support for unlimited sub-lines within a master line, with unique rules for each sub-line.
Automation Engine
Put servicing on autopilot through rule-based automations that run in the background.
Automate statements
Automatically generate statements that are supported by our robust APR Calculator and Real-Time Ledger.
Compliance Safeguard
Ensure you’re always compliant with state-by-state regulations through pre-built guardrails in our Modern Lending Core.
Flip to installment
Provide ultimate flexibility by converting larger purchases into a simple installment loan.
Reporting Suite
Monitor every detail of your credit card portfolio by generating timely and accurate reports with LoanPro’s Reporting Suite.
Customer Portal
A fully customizable borrower experience to complete any desired self-service action.
Launch truly differentiated credit card programs
LoanPro’s API-first, configurable architecture allows our customers to launch targeted, differentiated credit card programs. Here are a few examples.
Consumer cards
Active military duty card
Borrower experience:
- Lower interest rates on geofenced spending: Groceries and gas within a five mile radius of home incur a reduced 3% interest rate during deployment.
- On base promotions: A reduced 7% interest rate for Commissary and BX purchases.
- Family support: One-time $500 statement credit for air travel incentive to visit family during deployment.
Back-office experience:
- Flip to installment: Convert large purchases into pay-in-four installment loans with the click of a button, reducing carrying costs for you and the borrower.
- Flexible payment acceptance: Accept full or partial payments in store, online, or over the phone, whether they’re cash, card, check, or ACH.
- Payment programs: Drive repayment by offering qualifying customers due date changes, payment plans, and hardship programs.
Business credit cards
Construction card
Borrower experience:
- Convert to installment: Convert transactions or balances to installment loans to reduce cost of capital.
- Transaction-level credit: Land purchase rolled into installments with 5% interest rate, while materials remain on line of credit at 10% interest rate and labor at 15% interest rate.
- Multiple access points: Direct disbursement to borrower for amounts <$5k ($50k total). Remainder must be invoiced by contractor.
Back-office experience:
- Unique payment schedules: Create repayment schedules that align with varying merchant needs and your risk profile.
- Collateral Tracking: Associate single or multiple pieces of collateral to a line of credit to reduce risk.
- Merchant cash advance: Tie repayment directly to revenue of the business to increase differentiation and reduce default rate risk.
Create business value
with LoanPro’s configurable credit card infrastructure platform
Increase operational efficiency
Automate servicing in the background to eliminate manual tasks and enable portfolio growth.
Increase customer retention & loyalty
Create experiences that delight customers, such as flip to installment, hardship programs, and more.
Drive growth
Stand out and stay ahead of the competition by launching a first-to-market credit card program with our patent-pending transaction-level credit innovation.
Reduce risk
Reduce losses through our Collections Suite and maintain compliance with all necessary credit card regulations with Compliance Safeguard.
Keep ahead of the game with a credit card platform that does more
API-first
Configurable, end-to-end platform- Compatible with your favorite issuers, partners, and tools
Compliance
- Keep on top of compliance needs, including CARD Act and SCRA requirements
- Vetted solutions ensure your road to compliance comes with guardrails
Configurability
- Support card programs of any type, from consumer cards to business lines
- Ensure that your potential for growth is limited only by your imagination, not your software
Scalability
- Scale your business without growing pains
- Support millions of credit cards from one, unified system
Related credit programs
Installment loans
Create unique personal installment loans to differentiate in a crowded market.
Answers to your questions about LoanPro’s modern lending and credit platform
Does LoanPro have the tools to service and collect on cards?
Yes. Our Servicing and Collections Suites offer best-in-class tools to upgrade your customer experience and drive revenue.
Can I issue credit cards and installment loans?
Yes. Issue and service both lines of credit and installment loans within LoanPro. Link the accounts to each other and to the same borrowers to drive growth and increased loyalty among your existing customers.
Can LoanPro be CARD Act Compliant?
Yes. Compliance Safeguard provides one-click compliance tools that let you align accounts with the CARD Act, reducing the risk of mistakes, fines, and lawsuits.
Do you support B2B accounts?
Yes. Add businesses as customers and link them to accounts. Issue multiple cards with individual restrictions to offer several spending tools.
Launch first-to-market credit card programs that drive growth.
Talk with our team about how to empower your organization with LoanPro’s modern credit platform today.