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Consumer
Lending Products
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Upgrade

Improve your balance sheet

Upgrade increases your FI’s lending capabilities and reduces the liabilities associated with onboarding new products through a fully digitized and automated platform.

Diversify your loan portfolio

With loan availability up to $50,000 and a simplified qualification process, it’s easy for your customers to request (and for you to fulfill) loans in the following categories and more:
Home
Personal
Auto

Broaden your consumer base

You’ll gain access to:

  • Customers with credit scores 580+
  • A system that serves 3.8 million existing clients
  • A variety of loan bundles and types available for purchase

Benefits of a loan book

  • Established customer relationships – your new clients will already be accustomed to working with a lender, creating an easy transition to your care
  • Less overhead costs on marketing and lead generation – a built-in network of warm leads and existing clients ready to sign saves time and resources from going toward top-of-the-funnel efforts
  • Predictable income stream – existing loans create stable cash flow from day one, which offsets any potential customer acquisition costs

Regulatory Compliance Aid

  • Diversification of loans – purchasing loans allows your institution to spread the risk concentration over various different geographical areas and industries
  • Reduce loan origination complexities – acquiring existing loans saves your team the time and resource intensive process of originating new loans from scratch

Our Partnership

DeNovo Treasury is a certified partner and distributor of Upgrade for community financial institutions. We provide implementation and go-to-market support for financial institutions that offer the Upgrade solution to their commercial clients. 
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