Launch almost any construct with Peach
The configurability of the Peach platform means you can fine-tune your lending program and service almost any kind of non-collateralized loan. Whether you launch a BNPL program, expand to a credit builder or credit card product, offer installment loans or lines of credit, you define the product and our adaptable engine delivers the performance.
BNPL
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.
Cards
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.
Personal loans
Build an installment lending program—whether secured or unsecured—helping consumers power big purchases like education, furniture and home renovation.
Business loans
Offer any of a wide range of secured or unsecured business loan types, including business credit cards, and invoice financing.
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.
Invoice financing
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.
Novel constructs
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.
What your lending program actually runs on
One engine for every product you'll ever build
Your first product might be straightforward. Your third won't be. Both run on the same engine, no rearchitecting.
Regulations change. Your compliance keeps up.
FDCPA, SCRA, TCPA, UDAP, Reg F. Compliance Guard tracks them and adjusts. Your team focuses on lending, not chasing regulatory updates.
Change the past and keep the full audit trail
Backdate a payment. Correct an interest rate. Loan Replay™ recalculates forward from that moment. The original ledger stays intact.
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.
Your auditors will love you too
The boring-but-important stuff is already handled. Five certifications, zero surprises at audit time.
Ready to get started?
Let's get in touch. We'd love to hear what best-in-class lending program you're going to launch.
