Launch almost any construct with Peach
The configurability of the Peach platform means that not only can you fine-tune every aspect of your lending program, but you can also offer almost any kind of loan—whether that’s a credit card, a cash advance program or a home improvement loan.
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.
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. 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.
Your unified loan servicing system
Leverage our end-to-end, fully integrated suite of proprietary loan servicing software tools, from CRM to borrower portal to collections.
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.
Built for security and compliance
Our loan management and loan servicing software is compliant with SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1 and HIPAA. We practice defense-in-depth security architecture and employ best-in-class practices and tools to maintain security on all levels.