Launch of a Mobile-Only Digital Lender Fintech

Named Start-Up Of The Year by a major industry publication


Prepare a new alternative lender with a strong compliance foundation and no regulatory issues from Day One.


A US-based alternative lender came to InnReg prior to launching a mobile-only lending app targeting millennials and college students with thin credit. As they fine-tuned the product design, they asked us to advise on the configuration of their operational stack and compliance platform. This forward-thinking group needed a product design and operational system that would conform to all compliance regulations. This system also needed to scale over time to support long-term growth.


The alternative lender wanted to deploy effective and efficient account origination processes for a prospect audience with thin credit files while complying with all relevant origination regulations. In addition, their planned funding and payment processing system was 100% mobile. They were concerned about how to meet compliance regulations, without allowing constraints to erode the integrity of the user experience of their unique new product.

InnReg's Solution

  • Advised on the design and deployment of a secure and compliant automated underwriting and processing system that delivers origination decisions within 3 minutes.

  • Identified and implemented an optimal compliance stack using the most appropriate technologies for the client.

  • Designed efficient and effective processes that meet all lending requirements and all digital information security requirements.

Client Results

  • Successfully booked 1,000+ consumer accounts within 3 weeks of launch.

  • Seamlessly originated accounts, transmitted funds, processed payments, and securely transmitted sensitive customer data to credit reporting agencies without hiccups during launch and growth phases.

  • Named a Start-Up Of The Year by a prominent industry publication.

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