Enable pay-over-time structures without a charter
Lead originates and funds the term loan behind your Buy Now, Pay Later (BNPL) program, disbursing proceeds to the merchant, provider, or platform, while you own the checkout experience and borrower relationship.
Challenge
Your program wants to enable users to pay over time, whether to a merchant at checkout, a professional services provider, or buy-now-pay-later platform for tuition or subscriptions. To offer that experience, you require a bank to originate and fund each loan, disburse proceeds to the merchant or provider, and manage repayment. Assembling those pieces independently means coordinating a chartered lender, payment rails, funding, and compliance, all while keeping the financing invisible to your user.
Solution
Lead is the lender of record. When your user chooses BNPL, we originate the term loan and disburse proceeds over ACH to the party being paid. Based on the structure established at launch, repayments can flow back through Lead if preferred and the receivable can either remain on our balance sheet or move to yours. With origination, funding, disbursement, and repayment all on one integration, you can embed pay-over-time options into your product without taking on the banking infrastructure required to run it.
