Your organization
Credit designed for your members can live in your brand instead of a generic application site.
Marketplace/09
Custom Credit Lines
A line of credit that belongs to this community.
Custom Credit Lines let a lender offer a line designed for the community, then make an approved amount usable on the mCard.
Add it to any community SuperApp. Members and cardholders see it next to their mCard.
9:41
Credit line
Sample line
$2,400
Available of $5,000 · Harbor Lending
Credit is offered by the licensed lender. Approval, limit, and price are theirs.
Member screens. Tap through the feature.
In the SuperApp
One switch. It shows up for cardholders.
Members see the line, who the lender is, and, after approval, the amount they can spend on the card.
01
The lender defines the line
Limit ranges, price, and who may apply come from the licensed lender.
02
The member applies in the app
The SuperApp collects the application and shows the lender’s name.
03
Approved spend uses the mCard
Only an approved line can be used on the card.
Who it is for
A feature has to be worth it for every side of the program.
Members & cardholders
If a lender approves them, the line spends like the card they already carry.
Banks & partners
The lender keeps underwriting, pricing, and the credit agreement.
Industry bundles that include Custom Credit Lines
Credit unions & local communities
Community Banking
A local institution can offer credit lines, a HELOC, bill pay, remittances, and wealth tools on each community card.
Open Community BankingNext on the shelf
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10
HELOC
A home equity line from a licensed lender, with approved access available to spend and manage on the mCard.
·11
Micro Credit Lines
Smaller lines for shorter needs, offered by a licensed lender and usable on the mCard if approved.
▣12
Bill Payments
Members pay household bills from the SuperApp, using the balance and the mCard the program supports.
Put Custom Credit Lines on the mCard SuperApp.
Credit is offered by licensed lenders. Approval, limit, and price are decided only by the lender. This is not an offer of credit.