Master The
6-Tier Waterfall
Each tier serves different credit profiles. Your competitive edge is routing customers through the right sequence to achieve the highest approval rate at the best terms.
Start High, Cascade Down
BNPL first, then prime, subprime, private, merchant
Real-Time Multi-Submission
Hit all 6 tiers simultaneously, not sequentially
Custom Approval Scripts
Never say "declined"—always pivot to next tier
Tier 1
BNPL
Tier 2-3
Prime/Near-Prime
Tier 4
Subprime
Tier 5
Private Capital
Tier 6
Merchant Direct
Fast, soft credit check, customer recognizes names (PayPal, Affirm, Klarna)
""Let's start with our instant-approval partners. You'll know in 30 seconds, and there's no impact to your credit score to check.""
First option for all customers unless prescored below 640
Traditional banks and finance companies. Best rates (5.99-24.99% APR). Longer terms available.
""You qualify for our premium rates because of your strong credit. This gives you the lowest monthly payment and best terms.""
After BNPL if customer has 650+ credit and wants longer terms or lower rates
Income-based underwriting. Look beyond credit score. Recent bankruptcies ok.
""We have specialized lenders who look at your current income and employment, not just past credit. Let's see what they offer.""
When traditional lenders decline or customer discloses credit challenges upfront
Our proprietary network. Highest approval rates. Terms up to 48 months. Same-as-cash available.
""Great news - our private capital network specializes in situations like yours. They approve 80% of applications other lenders decline. Let me submit your info.""
After Tier 4 declines OR immediately for severely challenged credit
You fund them directly. Your terms. Your control. Up to $50K.
""We can offer you direct financing through our company. This gives us flexibility to customize terms specifically for your situation.""
Strategic use only - high-value customers, repeat business, or when all tiers exhausted
Start high (Tier 1), cascade down if declined. Each decline is opportunity to reframe: "No problem, let's try our next set of lenders." Never say "You're declined" - say "Let's check another option."