Joint ventures
Build a lending business together, sharing the work of launch and operation. A jointly run lending business with clear roles for origination, funding, servicing and reporting.
For financial institutions
For banks and financial institutions that want to launch lending in a new segment or market without betting the core system on it.
01The challenge
- New segments and markets carry risks you may not want inside your core system.
- Long IT projects make it expensive to test a new lending product.
- Each market’s rules have to be designed in from the start, not added later.
02What T&S does
Low-cost, short proof of concept
Test a lending product with real borrowers before committing to a full launch.
A platform independent of your core
Run new lending on its own platform, connected to your systems through APIs.
New business within the rules
Design new lending businesses around local regulation from the start.
03How it works
- Phase 0Research and designThe end state of the business decided (one of four, then worked back), Market and regulatory research, Current and target operations mapped
- Phase 1BuildUnderwriting logic implemented, External data connected (credit bureaus where connected), Underwriting workflow
- Phase 2Launch and improvePilot operation and KPI analysis, Operating manuals, Roadmap for continuous improvement
Phases, deliverables and decision points →Trust center →Compare the three products →
04 Talk to us