Implementation BlueprintExecution layer

Finaxis White-Label Lending Launch (7-10 days)

Stand up a fully branded lending operation for an alternative lender or fintech client using Finaxis, covering origination, underwriting, servicing, collections, compliance, and accounting from one platform instead of 8-12 stitched vendors. Time: 7-10 days.

By InnovaAI ResearchPublished

Invoicing Payments

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Blueprint

Finaxis White-Label Lending Launch (7-10 days)

Stand up a fully branded lending operation for an alternative lender or fintech client using Finaxis, covering origination, underwriting, servicing, collections, compliance, and accounting from one platform instead of 8-12 stitched vendors.

Prerequisites
  • Client has committed to a lending business model and can supply loan product parameters (rates, terms, fee structures)
  • Client domain access for the white-labeled borrower portal, plus logo assets and a verified email sender address
  • Existing loan management system export if the client is migrating from a legacy stack
  • OAuth credentials for any ecommerce data sources the client wants in underwriting (Amazon, Shopify, Google Ads, Meta)
  • Agency staff briefed on TILA and ECOA rule requirements before compliance configuration begins
Execution Timeline
  • 1.Map Finaxis core functions against the client's lending expertise and product scope
  • 2.Open the vendor data migration channel and queue the client's existing loan management system export
  • 3.Flag setup complexity risks to the client in writing before configuration starts
  • 1.Configure the white-labeled borrower portal with the client's domain, logo, and email sender
  • 2.Define lending products and loan parameters inside the platform
  • 3.Confirm the borrower-facing application portal renders correctly on the client's website or app
  • 1.Build underwriting rules in the visual drag-and-drop decision engine
  • 2.Connect credit bureau pulls for the client's target borrower profile
  • 3.Wire ecommerce OAuth connections for Amazon, Shopify, Google Ads, and Meta where the client underwrites on that data
  • 1.Set up compliance rule sets for TILA and ECOA within the platform
  • 2.Verify interest accrual and payment scheduling logic against the client's product terms
  • 3.Run a test origination from application through decision to confirm the rule chain fires correctly
  • 1.Configure collections workflows and delinquency triggers
  • 2.Confirm GAAP-compliant double-entry accounting is posting per tenant
  • 3.Reconcile a test loan's ledger entries against expected balances
  • 1.Run an end-to-end dry run: application, underwriting decision, funding, servicing, and first payment posting
  • 2.Document any rule or portal defects found during the dry run
  • 3.Fix defects and re-run the affected stage
  • 1.Hand the borrower portal and admin access to the client with a walkthrough of daily operations
  • 2.Deliver the compliance rule set documentation for the client's records
  • 3.Agree the monthly platform health monitoring scope and reporting cadence
  • 1.Package the lending infrastructure as a recurring agency service with defined support tiers
  • 2.Set the retainer terms covering platform health checks and rule updates
  • 3.Schedule the first monthly health review
$1,590/mo agency service fee against a $2 monthly platform entry point and a $500 walkthrough booking, with setup labor of roughly 40 hours plus 6 hours per month7-10 days
ROI Logic

The platform entry point is $2 monthly and the vendor walkthrough books at $500, so the agency's real cost sits in the 40 hours of setup and 6 hours per month of monitoring, not in licensing. Billing the client $1,590/mo against that labor load leaves healthy margin once the first client is live, and each additional client reuses the same configured rule sets and portal templates. Margin compounds because Finaxis replaces the 8-12 vendor stack an agency would otherwise integrate and maintain per client.

Deliverables
  • White-labeled borrower portal live on the client's domain with logo and email sender configured
  • Visual underwriting decision engine rule set covering credit bureau pulls and ecommerce data connectors
  • TILA and ECOA compliance rule set documented for the client's records
  • Collections workflow and GAAP-compliant per-tenant accounting configuration
  • Monthly platform health report template with the agreed monitoring cadence
Definition of Done

A test borrower completes application, underwriting decision, funding, servicing, and first payment posting inside the client's branded Finaxis portal with compliance rules and accounting entries verified.

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