Launch almost any construct with Peach
The configurability of the Peach platform means you can fine-tune your lending program and service almost any kind of non-collateralized loan. Whether you launch a BNPL program, expand to a credit builder or credit card product, offer installment loans or lines of credit, you define the product and our adaptable engine delivers the performance.
Cash advances
Give workers access to capital before they get paid through a single-term loan. For borrowers who need more time to pay, cash advances can be converted into installment loans, with fully configurable interest and fees.
Home improvement loans
Give homeowners the capital to make home improvements, including solar installation. Offer the flexibility of multiple advances or stage funding, either through our line of credit construct or through an installment loan with multiple disbursements.
Retail installment contracts
Retail installment contracts or retail installment sales contracts (RISCs) give shoppers an easy way to finance big-ticket items—under a different regulatory framework than buy now, pay later. Our data model includes merchant ID and MDR accounting.
Private student loans
Give students financial flexibility as they take on their education. You can structure student loans as an installment-based refinance product, or as an installment loan with multiple disbursements. You’ll have the tools to defer interest accrual and defer payments as needed.
Invoice financing
Invoice financing is a form of asset-based lending that gives businesses an advance on their unpaid invoices. As with an MCA, an invoice financing loan can be converted into installments if the business is unable to pay on time. Peach also supports invoice factoring.
Novel constructs
Don’t see the asset class you have in mind? Our Adaptive Core™ was designed to be agnostic to asset class, so that we can support almost any construct—including ones that haven’t been invented yet. Let’s talk about how we can help you launch the product you’re envisioning.
Your unified loan servicing system
5 reasons lenders need adaptive infrastructure
Peach's Adaptive Core™ gives lenders a new paradigm in loan management, enabling them to continually test and iterate, even at scale, and to continually launch new lending programs with speed and flexibility.
Built for security and compliance
Our loan management and loan servicing software is compliant with SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1 and HIPAA. We practice defense-in-depth security architecture and employ best-in-class practices and tools to maintain security on all levels.