LOANPRO BEYOND CREDIT
A new way to deliver credit
LoanPro Beyond Credit™ turns your installment loan into a card your borrower can use shortly after approval. You keep the loan, the data, and the relationship. No multi-day ACH wait. No merchant network to build.
Ready to get started? Reach out to our Director of Strategic Partnerships, Mike Simmons at mike.simmons@loanpro.io
THE MARKET SHIFT
Buy-now-pay-later didn't just win the market. It reset what borrowers expect
BNPL providers trained consumers to expect credit in an instant. The wait that borrowers used to tolerate is now the gap where lenders lose them. The opportunity isn't to copy that experience. It's to deliver it on the loan structure you already own.
THE PROBLEM
ACH is the leak in your funnel
Approval is the easy part. The wait is where borrowers go cold and traditional disbursement leaves you blind once the money lands.
SPEED
1-5 days to fund
Standard ACH lag. Same-day ACH still carries cutoffs and fees and can take time. Most consumers want funds in under a day; many want them in under an hour.
CONTROL
No visibility, no control
Once funds hit a bank account, you can't see where they go, when they're spent, or whether they're spent at all let alone intervene if a borrower goes delinquent before using the funds.
ACCESS
No traditional account, no loan
ACH disbursement requires a deposit account. Borrowers without one (a growing share of the market) simply can't be served through traditional rails.
DISTRIBUTION
No presence at the point of need
ACH gives your installment product no seat at checkout. Card rails are exactly how BNPL providers got there first.
WHY BEYOND CREDIT
Four things nobody else gives you in one place
CONVENIENCE
Spend at the moment of need
Unlock spending power as soon as you're approved. No multi-day ACH wait, no card in the mail.
CONTROL
Real control over spend
Restrict by merchant category, geography, or time window. Freeze on delinquency. Set how long the card stays active — up to a year. ACH offers none of this.
VISIBILITY
Transaction-level visibility
See where, when, and how loan proceeds are used. Beyond Credit daily reporting is delivered to you instead of a single amount vanishing into a black box.
SIMPLE
One API, no build-out
Two-phase integration: a webhook passing customer information, and a redirect to the Beyond Credit application experience. As the program manager, we run, KYC, disputes, and cardholder support.
HOW IT WORKS
Three steps from approval to spend
One API and two lightweight integration phases. You stay in your lane; Beyond Credit handles everything in between.
Approve
Issue
Spend & repay
FOR YOUR CUSTOMERS
What it feels like on the other side of the screen
The card is how your borrower experiences your brand. Beyond Credit makes that moment fast, clear, and genuinely useful.
Money that's ready when they are
Approved borrowers don't wait days to use their loan. The virtual card image is delivered and can be used at the moment of need.
No traditional bank account required
A digital card in the wallet means borrowers who don't have a standard deposit account aren't shut out of being served.
Spend where it counts
Open programs work anywhere Mastercard is accepted. Purpose-built programs put funds exactly where the loan is meant to go — like a medical or home-improvement provider.
Clarity, not fine print
A familiar tap-to-pay card, a balance they recognize, and a repayment schedule from a lender they already chose. Nothing to decode.
WHY LOANPRO
We built the rails. Lenders run on them
Beyond Credit isn't a bolt-on. It's built by the team behind the modern lending and credit platform and inherits the depth that comes with running origination through collections on a single data model.
ONE DATA MODEL
Origination to collections, unified
Most providers are a loan origination system or a servicing system, not both. LoanPro runs the full lifecycle on one real-time data model, so card spend, balances, and servicing stay reconciled by default.
COMPLIANCE DEPTH
A compliance engine, not a checkbox
50-state regulatory calculation, multi-product servicing, and configurable guardrails are core to the platform. Configurability is how compliance gets enforced - not bolted on after the fact.
ALREADY ONBOARDED
Launch the program in weeks, not years
Beyond Credit is already integrated with Cross River Bank, Mastercard, and Galileo. You step into a working card program instead of spending 12–18 months standing up your own.