WORKS ALONGSIDE YOUR CURRENT LENDER No need to switch. Seamlessly integrate for full credit coverage on declined loans and eliminate merchant fees on tight-margin deals.
| Feature / Scenario | YOUR PRIMARY LENDER | HELLORATES EXPANDED ACCESS |
|---|---|---|
| Merchant Fees | 5% - 15% Fees | 0% Fees |
| Credit Coverage | 650+ FICO (Restricted / Prime Only) |
500 - 650 + FICO (Expanded / All Credit Eligible) |
| If Loan is Approved |
✗ You Pay: $500 - $1,500 (Lost Profit) |
You Pay: $0 (Keep 100% of Profit) |
| If Loan is Declined |
✗ You Lose: $10,000 (Total Revenue Lost) |
Revenue Recaptured: $10,000 (Total Revenue Captured) |
✓
Approve more customers (down to 500 FICO).
✓
Keep 100% of your profits (0% merchant fees).
✓
Stop turning away ready to-buy customers.