Lending infrastructure your examiners approve
Your vendor due-diligence checklist gets shorter before the first call. Compliance Guard monitors federal regulations and all 50 states plus DC in real time, before any communication leaves your system. SOC 1, SOC 2, PCI DSS Level 1, and HIPAA are already cleared.
Infrastructure and compliance partners your vendor due diligence will recognize
Your lending system is built for examination
Your records are ready when they ask
Fifty states. All current.
Move your book intact
How your existing loan book moves to Peach
Your loan book moves intact
Loan structure and compliance rules carry forward. Loan Replay™ recalculates forward from payment history, fees, and credits. No legacy accrual logs needed.
Compliance ships with it
Compliance Guard monitors federal and state rules in real time. It auto-creates cases for bankruptcy, SCRA, OFAC, FEMA, and deceased borrowers.
You're operating on Peach
Launch with real borrowers in weeks because servicing, compliance, and payments are ready. Replace components when your own build is ready.
The capabilities your compliance team asked about
Compliant before the message leaves your system
Before any message leaves, Compliance Guard has already blocked any non-compliant send. No agent override on program-level rules.
Portfolio-wide response when it counts
A regulatory change or FEMA event hits hundreds of borrowers. Supercases handles the population. Draft first. Your team commits after review.
Contact restrictions as precise as your policy
Do Not Interact by channel, reason, time, contact type, and duration. Compliance Guard enforces. No program-level override.
Security certifications and infrastructure partners
Five independent certifications. Bank-grade infrastructure. Three-bureau credit reporting. Your vendor due diligence checklist starts here.
Certifications
SOC 1 Type 1 + Type 2
Financial reporting controls, independently audited. Required for bank vendor due diligence.
SOC 2 Type 2
Security, availability, and confidentiality controls verified over time. Board-level vendor requirement.
PCI DSS Level 1
Highest payment card data security standard. Required for any institution processing card payments.
HIPAA
Protected health information compliance. Relevant for healthcare lending programs.
Infrastructure
Google Cloud Platform VPC
Bank-grade cloud hosting in a Virtual Private Cloud. Your data doesn't share infrastructure with other tenants.
Experian, Equifax, TransUnion
Credit bureau reporting to all three bureaus. Configurable and automated per loan program.
Your regulatory requirements are met. What keeps institutions here is harder to quantify. Worth knowing before it goes to your board.
Why institutions that evaluate Peach tend to stay
Your team knows our team
150% net revenue retention across Peach's fintech customers. Fintechs that launch one product on Peach come back for the next one. That number doesn't come from ticket support.
Built inside the problem
The team behind Peach built lending infrastructure at Affirm and Enova. They know what production lending requires because they've run it at scale.
One system, not a new patchwork
Servicing, compliance, agent CRM, and payment collection and processing come in one place. You migrate off legacy and land on a complete stack.
Infrastructure that bends
Adaptive Core gives you 200+ configuration variables, no code deploy required. Add a product or enter a new state without a release cycle.
Compliance is the engine
Five certifications. Compliance Guard monitors federal and state regulations in real time. Your team sets the rules. The system enforces.
Your ledger is the truth
Every transaction is traceable without spreadsheets. Loan Replay™ recalculates forward from any backdated change. Rate, fee, or payment.
Let's talk about what you're building
We'll start with your regulatory requirements, your lending products, and your migration timeline. Then we'll build the plan together.
