Launch almost any construct with Peach

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.

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 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.

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.

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.

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.