Configurable by design
200+ variables to configure
We’ll configure your lending construct to get you up and running quickly, and you then have the flexibility to innovate and adapt as you scale.
Almost any asset class
We have solutions for almost any asset class, from BNPL to business loans, and we can support novel and innovative constructs.
Adapts to your system
Our Adaptive Core™ is designed to be your modern lending core—or it can be a sub-ledger to your existing core system. It’s your call.
Regulations never stop evolving. Compliance Guard™ helps you stay one step ahead.
Integrate any vendor
Plug in any vendor you like—whether it’s a card issuer, sevicer, origination system, payment processor or CRM.
Our RESTful API-based architecture gives you real-time access to your ledger.
Loan Replay™ makes retroactive changes easy
Loan Replay lets you travel back in time so you can keep moving forward. Make updates to the ledger at any time—past or present—and recalculations will happen automatically while preserving immutability.
All data is yours to transparently access through an up-to-date read-only database replica. Track each loan’s performance for any date range, and give investors daily loan statuses with loan tape data exporting.
Leverage our out-of-the-box enterprise reporting suite and data insights to measure portfolio performance, agent productivity and collections. Track historical data with Daily Snapshots.
We generate Metro2 files so you can report automatically to all three major credit bureaus.
Supported asset classes
Launch any kind of BNPL program, including pre-purchase virtual cards, point-of-sale integrations, post-purchase debit and credit cards with BNPL built in.
Leverage our partnerships and robust feature set to build an innovative card program, whether it's based on a credit card, charge card, or virtual cards.
Build an installment lending program—whether secured or unsecured—helping consumers power big purchases like education, furniture and home renovation.
Offer any of a wide range of secured or unsecured business loan types, including business credit cards, invoice financing and merchant cash advances.
Give workers access to capital before they get paid through a single-term loan. For borrowers who need more time to pay, cash advances can be converted into installment loans, with fully configurable interest and fees.
Home improvement loans
Give homeowners the capital to make home improvements, including solar installation. Offer the flexibility of multiple advances or stage funding, either through our line of credit construct or through an installment loan with multiple disbursements.
Retail installment contracts
Retail installment contracts or retail installment sales contracts (RISCs) give shoppers an easy way to finance big-ticket items—under a different regulatory framework than buy now, pay later. Our data model includes merchant ID and MDR accounting.
Private student loans
Give students financial flexibility as they take on their education. You can structure student loans as an installment-based refinance product, or as an installment loan with multiple disbursements. You’ll have the tools to defer interest accrual and defer payments as needed.
Auto and recreational
Give consumers a term loan to finance their car or equipment purchase, or a lease. For both loans and leases, our data model accounts for asset value, securitization, cure period, repossession and regulatory filings.
Merchant cash advances
Give merchants access to a lump sum of capital in exchange for a percentage of the business’s sales. We can accommodate irregular and unstructured payments, and we support conversion of MCAs into installment loans if merchants need more time to pay.
Invoice financing is a form of asset-based lending that gives businesses an advance on their unpaid invoices. As with an MCA, an invoice financing loan can be converted into installments if the business is unable to pay on time. Peach also supports invoice factoring.
With a home equity line of credit, give homeowners access to a revolving credit line secured by the value of their home. Get complete flexibility to configure draw periods, interest accrual, repayment schedules, fees and more.
Don’t see the asset class you have in mind? Our Adaptive Core™ was designed to be agnostic to asset class, so that we can support almost any construct—including ones that haven’t been invented yet. Let’s talk about how we can help you launch the product you’re envisioning.
5 reasons lenders need adaptive infrastructure
Peach's Adaptive Core™ gives lenders a new paradigm in loan management, enabling them to continually test and iterate, even at scale, and to continually launch new lending programs with speed and flexibility.
Introducing Self-Service Portfolio Migrations™
Conduct your migration through the same APIs you'll use to manage your Peach integration. This industry-first feature helps you lower risk, reduce costs and take control of your migration timeline.
Built for security and compliance
Peach Finance is SOC 2 Type 2, SOC 1 Type 1, HIPAA and PCI DSS Level 1 compliant. We practice defense-in-depth security architecture and employ best-in-class practices and tools to maintain security on all levels.