Who This Is For
Digital Lenders
Online personal loan, auto refinance, and installment lenders that need instant DTI calculations, liability verification, and automated payoff disbursement.
Credit Unions
Member-focused institutions offering consolidation loans, credit-builder products, and refinance programs that benefit from frictionless account discovery.
HELOC Providers
Home equity lenders that need to verify existing mortgage balances, outstanding liens, and total debt obligations during underwriting.
Auto Refinance Companies
Lenders that need precise payoff quotes from current auto loan servicers, per diem interest calculations, and direct-to-creditor payment rails.
The Lending Lifecycle
A typical lending integration with Method follows five stages. Each stage maps to specific Method products that handle the heavy lifting.| Stage | What happens | Method products |
|---|---|---|
| Application | Applicant submits basic info. Method discovers all liabilities instantly, pre-filling the application with verified debt data. | Entity, Identity Verification, Connect |
| Underwriting | Real-time balances, APRs, and payment history feed your credit decisioning. Attributes provide structured risk signals. | Account Updates, Attributes, Credit Scores |
| Loan Funding | Once approved, your corporate funding account is the payment source. Method handles disbursement to creditors. | Payments |
| Debt Payoff | Payoff quotes with per diem interest ensure exact amounts. Payments route directly to the borrower’s existing creditors. | Payoffs, Payments |
| Post-Funding Monitoring | Subscriptions track balance changes, missed payments, and credit score shifts across the borrower’s accounts. | Subscriptions, Credit Scores, Attributes |
Getting Started
The guides in this section walk through each stage with full API examples, using a single borrower scenario end-to-end.Getting Started
Create an entity, verify identity, and discover all liabilities for a loan applicant.
Application & Qualification
Pre-fill applications, pull real-time account data, and assess risk with attributes.
Debt Consolidation
Calculate payoff amounts, request payoff quotes, and disburse funds directly to creditors.
Monitoring & Retargeting
Subscribe to account changes, monitor credit scores, and identify retargeting opportunities.