Give your users a path to better credit
Lead handles origination, custody of secured funds, and credit reporting so you can give your users a path to build or rebuild credit through a secured card, an overdraft line, or other credit-building structures.
Challenge
To help people with thin or damaged credit establish a stronger credit history, you need a bank to originate the underlying credit, custody customer funds if the product is secured, and furnish repayment activity to the credit bureaus. Assembling those capabilities separately requires multiple vendors, resulting in more reconciliation and compliance seams.
Solution
Lead provides the end-to-end banking infrastructure behind your credit-building product. We originate the line, hold secured funds when required, and furnish the bureau data required to establish credit history. With all core functions under one integration, you can offer users a clear path to build credit and graduate them into broader financial products as their history grows, whether through an overdraft-style advance that covers purchases when they come up short, a secured card, or an add-on structure where repayments gradually build collateral.
