Your organization
Members with a short-term need can find a smaller option in your app.
Marketplace/11
Micro Credit Lines
A smaller line, for a nearer need.
Micro Credit Lines are the smaller, shorter credit options a lender may offer inside the SuperApp. An approved amount can be used on the mCard.
Add it to any community SuperApp. Members and cardholders see it next to their mCard.
9:41
Micro line
Sample available
$380
Of a $500 line · Harbor Small Credit
Member screens. Tap through the feature.
In the SuperApp
One switch. It shows up for cardholders.
Members see the amount range, the lender, and the status of an application. Nothing spends until the lender says yes.
01
Offer the smaller line
The lender sets the size, the term, and who can see it.
02
Apply in the SuperApp
The member starts from the card they already use.
03
Spend only if approved
The mCard can draw the line after the lender approves.
Who it is for
A feature has to be worth it for every side of the program.
Members & cardholders
The line is sized for a nearer expense, and the lender is named.
Banks & partners
A licensed lender still makes the credit decision.
Industry bundles that include Micro 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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12
Bill Payments
Members pay household bills from the SuperApp, using the balance and the mCard the program supports.
⇄13
Foreign Exchange
Members exchange currency and see the rate before they move money, through a licensed payments partner.
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Wealth Management
Goals, savings, and introductory wealth tools from a properly registered partner, inside the SuperApp.
Put Micro Credit Lines on the mCard SuperApp.
Micro credit is offered by licensed lenders. Approval and terms are the lender’s. This is not an offer of credit.