Origination
Contractor portal, multi-step credit app, soft & hard pulls, DTI engine, underwriter queue.
Home improvement lending, reimagined
The modern loan platform built for the way FCC lends.
Originate, decision, document, fund, service, and collect — one system, one source of truth, state-aware compliance across all 40+ markets FCC operates in.
- 40+
- States served
- End-to-end
- Origination → Collections
- Real-time
- Compliance engine
The platform
One system. Every stage of the loan.
Built specifically for home improvement lenders. Replace the spaghetti of LOS + LMS + collections + e-sign + reporting with a single, opinionated platform.
Servicing
Amortization, ACH & card payments, statements, payoff quotes, mods & deferrals.
Collections
Aging queues, dispositions, promises to pay, state-compliant letters, SMS & dialer.
Compliance
State rule engine, contract templates, full audit trail, role-based access controls.
Built for every stakeholder
Four portals.
One source of truth.
Contractors submit. Borrowers sign and pay. Staff underwrite and service. Collections recovers. Every action lands in the same audited timeline.
Contractor / Dealer
Submit applications, track funding, manage work orders.
Borrower
E-sign, autopay, statements, payoff requests.
Underwriter / Processor
Queue, conditions, credit reports, decisioning.
Collections & Admin
Aging, PTPs, skip trace, letters, dashboards.
State-aware by design
Compliance that travels with the loan.
APR caps, right-to-cancel windows, late fee limits, license requirements, prepayment penalties — encoded per state and enforced by the application, pricing, document, and collections engines automatically.
- ✓40+ state regulatory profiles seeded and versioned
- ✓Templated contracts with merge fields per jurisdiction
- ✓TILA, RTC, and audit trail captured on every action
- ✓Role-based access with full event log
Live state coverage
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+ 16 more · framework supports adding new jurisdictions in days, not months.
Ready to modernize your loan operation?
Spin up the platform, invite your team, and start originating compliant home improvement loans today.