A multilender credit marketplace that comes with its own score
Connect your offer to a cascade lender network where the applicant arrives pre-evaluated with alternative data, even without credit history.
Key Metrics
By connecting your offer to the Finvero Marketplace network, merchants and credit lenders automate their origination processes, accelerate response times, and multiply point-of-sale conversions.
Connected lenders
Monthly applications
From application to contract
More approvals
The Challenge
You buy more leads and your cost per placed credit does not decrease
YOU PAY FOR CONTACTS, NOT CREDITS
The lead arrives unevaluated. Your team spends the month discarding applications that would never pass policy, and the acquisition cost is split across very few placed credits.
- Cold leads without prior evaluation
- Team dedicated to manually discarding applications
- High acquisition cost per placed credit
APPLICANTS DROP OFF ALONG THE WAY
Between interest and signing there are forms, branch visits, and days of waiting. Every step away from the point of sale costs you qualified applicants.
- Extensive forms and process bureaucracy
- Days of waiting outside the purchase moment
- High drop-off rate of qualified applicants
LENDER CASCADE ENDS IN REJECTION
When applicants lack traditional history, no lender in the cascade approves them. Sales are lost even if they have payment capacity, and no one wins.
- Traditional models reject without credit history
- Lost sales at point of contact
- Unused payment capacity across network
WOULD NEVER QUALIFY
The lead arrives unevaluated and your team discards it manually.
DROPS OFF FROM FRICTION
Forms, branch visits, and waiting days away from the purchase moment.
NO HISTORY, NO OFFER
They have payment capacity, but your policy fails to see it.
Credit placed
Optimized flow and real-time conversion completed.
How It Works
Three ways to integrate: REST API to embed into your app or e-commerce · Batch: upload your file of rejected or second-credit leads and we pre-filter it · Finvero Origination Flow, ready to operate without development.
Your offer
amount, term, rateOn the move
Finvero flowCANAL OPERATIVO
POINT OF SALE ACTIVE
ONLINE INTEGRATION
PREFILTRADO BATCH
Benefits for Merchants and Lenders
Why institutions and merchants choose Finvero Marketplace
Comparison by Provider Category
| Capability | Single-issuer BNPL | Multi-lender network | Origination platform | Score provider | Finvero |
|---|---|---|---|---|---|
| Multiple offers per application | No | Yes | No | — | Yes |
| Own score with alternative data | No | No | Partial | Yes | Yes |
| Serves applicants with no credit history | Partial | No | No | Partial | Yes |
| In-store, e-commerce and WhatsApp | Partial | Yes | Partial | No | Yes |
| Collections and portfolio on the same platform | Yes | No | Partial | No | Yes |
Where It Generates Value
Use cases for merchants and financial institutions
Retail
Convert visits into financed sales: credit is resolved at the counter and the ticket is not lost.
- Decides at the point of sale with only the documents that profile really needs.
Consumer (personal, BNPL, PDL)
Place volume outside your current base, with applicants already evaluated and no acquisition campaigns.
- Sustains high volume with automated decisions and a cost per application that does not grow with the team.
Auto
Stop losing buyers at the down payment stage: multiple offers compete while they stay on the sales floor.
- Returns the plan, down payment and term per profile, instead of a fixed table the sales rep has to interpret.
Healthcare & Memberships
Finance treatments and annual plans at point of care, without the clinic bearing the risk.
- Immediate financing at the point of service with managed risk.
SME & Mom & Pop
Finance inventory restocking at the merchant where they already shop, using business operational data.
- Inventory restocking financed with real operating data.
Payroll
Open origination outside employer agreements, with identity and employment verification in the same flow.
- Applies rules by agreement and agency without opening a separate policy for each one.
Operational Voices by Role
“I increase acquisition spend every quarter and place almost the same. I need pre-filtered volume.”
“My rejection rate is high and I don’t know how much healthy business I’m missing out on.”
“I lose sales when customers lack funds to pay, and I don’t want to build a credit department.”
“Every new vendor takes three months to integrate. If there are four vendors, it won’t launch this year.”
Security & Compliance
What your vendor questionnaire will ask
Data Protection & ARCO
Personal data processing according to LFPDPPP, with explicit applicant consent and ARCO rights exercise.
- Full regulatory compliance and explicit consent.
Searchable Traceability
Every query and decision is logged with origin, timestamp, and purpose: auditability is accessible, not manually reconstructed.
- Complete log and immutable historical record.
Encryption & Role Control
Encryption in transit and at rest, role-based access control, and user operation logs.
- Bank-grade AES-256 encryption and RBAC access.
Model Privacy
Your data is never used to train third-party models.
- Full isolation and ownership of the information.
Data Residency in Mexico
Data resides in Mexico on a multi-tenant architecture with client isolation and separate availability zones.
- Redundant, high-availability local infrastructure.
FREQUENTLY ASKED QUESTIONS
Everything you need to know about integration and the Finvero Marketplace