Lender FAQ: business loan & equipment financing leads

Every applicant arrives from organic search on an exact-match domain in our network — searches like "how to get a business loan", "equipment financing", "semi truck financing" or "equipment loans for bad credit". Nobody in the funnel was bought, scraped, co-registered or resold from a third-party list.

Because the domain matches the query, the applicant is already in-category when they land: they are researching the exact facility you write, not answering a generic offer.

Both models are available. You can take records exclusively within your licensed footprint and asset class, or share allocation with other partners in the same band.

Exclusivity is agreed per state, vertical and amount band, so a lender who only writes equipment finance in Texas is not competing for records outside that scope.

After an applicant completes the intake form, an automated email is sent to the address they supplied. Nothing is transmitted to any lender until they click the verification button in that email confirming they want their application submitted.

That single step removes typos, throwaway addresses and abandoned sessions, and it creates a second, timestamped record of consent alongside the TCPA consent captured at the form.

You receive a normalised JSON record: vertical, requested amount, purpose or asset class, state, time in business or employment status, credit self-report band, timeline, contact details and a consent block with timestamp, IP address and user agent.

We keep nothing. We are a routing layer, not a data warehouse — once a record is delivered to your endpoint, your platform is the system of record. There is no applicant database on our side to breach, subpoena or resell.

The standard integration is an HTTPS webhook: we POST the JSON record to your endpoint with the authentication method you nominate — bearer token, HMAC signature or mTLS. Your 2xx response acknowledges receipt; a non-2xx retries with backoff.

If you would rather not build anything, we can embed your own application widget or iframe at the hand-off point, so the applicant completes your flow on your infrastructure.

Licensed state, vertical and asset class, requested amount band, credit self-report tier, time in business or employment status, loan purpose, and daily or hourly caps with dayparting.

Filters are applied at the routing layer before delivery, so out-of-footprint or out-of-criteria records never reach your endpoint. You can change filters without touching the integration.

Volume depends on the hub, the states you are licensed in and how tight your criteria are, so we do not quote a headline number before we know your footprint.

The practical starting point is a small daily cap in your strongest states. We tune allocation from your accept, decline and funded postbacks, so the mix moves toward what you actually write.

Each record carries the TCPA consent language shown to the applicant, a timestamp, the IP address, the user agent, the source domain and the double opt-in confirmation event.

OnlineLoansAI is a technology platform and referrer. We are not a lender, broker or financial advisor, we make no credit decisions, and we do not charge consumers. Credit decisions, disclosures and licensing obligations remain with you.

Pricing is agreed per vertical and per amount band before any records flow, and it is set in the partnership agreement rather than published as a rate card — a $500,000 equipment application and an $8,000 personal application are not the same product.

Tell us your vertical, states and target volume in the partnership request and we will come back with terms for that scope.

Technical onboarding is typically the fastest part: you supply an endpoint and auth method, we send test records against your sandbox, then flip a small live cap.

The longer item is usually your own partner and compliance review. Submitting the partnership form with your licensed states, criteria and endpoint gets that started in one step.

Yes. Allocation is per vertical, so a partner can take equipment financing only, working-capital business loans only, or any combination across truck, equipment, auto, mortgage and unsecured personal.

Each vertical runs on its own exact-match hub, so you can also take records from a single hub rather than the whole network.

Send a decline or return postback with a reason code. Returns feed straight back into routing weight, and genuinely invalid records — wrong contact details, duplicate submissions, out-of-criteria delivery — are credited under the terms agreed in the partnership agreement.