Finaxis provides funds, fintechs, and alternative lenders the ability to fully customize a branded lending operation — origination through servicing — without writing a single line of infrastructure code.
Most alternative lenders burn through their runway building infrastructure that already exists. Meanwhile, your competitors are already funding deals.
average time to build lending infrastructure from scratch*
typical engineering spend before a single loan is funded*
stitched together for origination, servicing, and compliance*
*Based on industry estimates. Individual results may vary.
Define term loans, lines of credit, revenue advances, MCAs, or invoice factoring. Set your amounts, rates, terms, and eligibility rules visually.
Drag-and-drop decision engine with rule sets, scorecards, credit bureau pulls, ecommerce data connectors, and ML model callouts. No engineering required.
Your domain. Your logo. Your emails. Borrowers apply, get scored, receive proposals, sign via DocuSign, and get funded through your white-labeled portal.
Interest accrual, payment scheduling, delinquency tracking, collections, and double-entry accounting run automatically while you focus on deal flow.
One platform covers origination, underwriting, servicing, collections, compliance, and accounting. No more stitching together vendors.
Create an automated pipeline from application to approval. Credit pulls, risk scoring, offers, and e-signatures are streamlined so your team can focus on key decisions quickly and efficiently.
Visual decision engine with 15+ node types. Build approval flows with rules, scorecards, calculations, ML models, and conditional branching. Iterate your credit policy in minutes.
Connect Amazon, Shopify, Google Ads, and Meta directly. Underwrite using actual cash flow cycles, revenue concentration, ad dependency, and inventory turnover.
Tools to perform due diligence and maintain thorough records are included. Audit trail logging is built in.
Custom domain, branded emails, white-labeled portal with self-service dashboards, payment history, amortization schedules, and pre-qualified offers. Borrowers see only your brand.
GAAP-compliant double-entry GL auto-provisioned per tenant. Immutable journal entries for every disbursement, payment, fee, accrual, and charge-off. Trial balance included.
| Feature | Finaxis | Build In-House | Legacy LMS |
|---|---|---|---|
| Time to first funded loan | 30 days | 12-18 months | 3-6 months |
| Upfront engineering cost | $0 | $1.5-3M | $200K-500K |
| Visual decision engine | |||
| Ecommerce-native underwriting | |||
| Compliance tooling (TILA, ECOA, FDCPA) | Included | Partial | |
| Full white-label | Partial | ||
| Double-entry accounting | Add-on |
Comparison based on industry estimates. Individual timelines and costs may vary.
Everything you need to originate, underwrite, service, and collect — in one platform.
Modules include tooling aligned with regulatory best practices.
Row-level tenant separation. AES-256 encrypted vault. 13 granular RBAC roles.
Every mutation logged with who, what, when, where. Full retention for regulatory review.
Plaid, Modern Treasury, DocuSign, 3 credit bureaus, 4 ecommerce platforms.
We evaluated building in-house and three legacy LMS platforms. Finaxis let us go from concept to funded loans in under 6 weeks with full compliance baked in.
Most tenants configure their first lending product, build an underwriting flow, and fund their first loan within 30 days. The platform handles infrastructure. You focus on your lending strategy and deal flow.
Yes. Custom domain, custom email sender, branded borrower portal, and email template overrides are all configurable per tenant. Your borrowers never see the Finaxis name.
Term loans, lines of credit, revenue-based advances, daily advances, merchant cash advances, and invoice factoring. Each is fully configurable with custom amounts, rates, terms, and eligibility criteria.
No. The visual decision engine lets you build and modify approval flows without code. Pre-built templates cover common programs like daily advances, term loans, revenue advances, and invoice factoring.
Sellers connect their Amazon, Shopify, or ad accounts via OAuth. The platform ingests orders, revenue, settlements, inventory, and ad spend, then computes lending-specific metrics that feed directly into your scoring models.
The platform includes tools for TILA APR calculations, ECOA adverse action notice generation, FDCPA contact tracking, and CFPB 1071 data collection, along with a configurable rules engine per tenant. All actions are logged to an immutable audit trail. Lenders are responsible for ensuring their use of the platform meets all applicable legal and regulatory requirements.
Pricing scales with your portfolio size and transaction volume. We offer pilot programs for new lenders with no long-term commitment. Contact us for a custom quote based on your lending model.
Yes. We support data migration from existing loan management systems. Our onboarding team handles the technical migration while you configure your products and underwriting logic in parallel.
Book a walkthrough with our team. We'll show you how to configure your products, build your underwriting logic, and go live under your brand.
15 minutes. No slides. Live product.