Integrated Financial Solutions Supporting the Full Purchasing Journey
The consumer lending industry plays a significant role in the global economy, affecting individuals seeking a loan and the various businesses that offer solutions for specific stages throughout the purchasing process. There are businesses at the top of the sales funnel (shopping stage) such as digital retailers, customer relationship management (CRM) platforms, desking platforms, and menu-selling platforms. Then you have those in the middle of the sales funnel (buying stage) which includes fintech companies, lenders, dealer management systems (DMS), account management systems (AMS), decisioning tools, loan origination systems (LOS), and more. As you move to the bottom of the sales funnel (closing stage), you'll have companies specializing in document generation tools, contracting, eSigning, and eVaulting. Based on the market will determine the level of involvement each company has and whether their solutions are the right fit. Fortunately, Carleton's solutions integrate anywhere in the purchasing process!
Direct & Indirect Lending
With recent technological advancements, the direct lending and indirect lending markets continue to grow allowing lenders to bridge the gap and further streamline the lending process with the consumer. Carleton's solutions play an important role in this market by offering payment engine APIs and document generation capabilities to help further streamline that customer experience.
Automotive
Carleton has provided payment calculation solutions to the auto lending industry for over 55 years. As an industry leader, our payment calculation and compliance validation APIs have been trusted by numerous major auto lenders across the United States. Have the ability to integrate lender data along with OEM rebates and incentives allowing your platform to effectively manage and compute your payment calculations. Whether your solution provides a service to consumers at the top or the bottom of the funnel, Carleton can integrate anywhere throughout the purchasing journey.
Powersports
Financial lending solutions are integral to the powersports industry's growth, providing dealers and lenders the flexibility to offer a more seamless customer experience. Carleton's solutions help streamline the lending process by solving the common challenge of ensuring your payment calculations adhere to state and federal regulations. Regulatory compliance is embedded across all of Carleton's financial solutions making it an easy choice for our team to help eliminate that burden.
Recreational Vehicle (RV)
The digital lending solutions offered throughout the RV industry have enabled dealers and lenders to adapt to the evolving market demands. Carleton's financial solutions integrate seamlessly with those platforms providing industry-leading compliance, calculation, and document delivery APIs.
Student Lending
With rising tuition costs, loans play a vital role in making education accessible for individuals. Carleton's solutions provide lenders and digital lending platforms with the necessary information to accurately compute federal student lending disclosures along with the appropriate calculation and document services.
Mortgage
The accessibility of financial solutions throughout the real estate market plays a pivotal role in meeting the needs of first-time homebuyers, seasoned investors, and niche borrowers. Numerous factors come into play and the financial offerings vary in structure, terms, interest, and much more. Carleton's mortgage APIs help calculate and validate all these mortgage transaction requirements allowing lenders and digital lending platforms to provide consumers a streamlined process.
Credit Insurance
Carleton has provided calculation support to all major credit insurance companies in the United States. We are uniquely qualified to provide credit insurance and debt protection software that will compliantly compute "all" credit protection products offered by credit insurance companies while meeting the consumer loan calculation requirements of the lender in all states nationwide.