How does the lender waterfall work?

Applications are routed through our 6-tier waterfall based on each lender's credit criteria, approval thresholds, and capacity. You receive pre-qualified applications matched to your lending parameters — automatically and in real time.

What does integration look like?

We offer a standard REST API for real-time decisioning. Most lender integrations are completed within 2–4 weeks with dedicated support from our implementation team.

Is there a cost to join the network?

There is no upfront fee to join the FormPiper lender network. Revenue models vary by partnership type — network participation or technology licensing. Contact our team for details.

What compliance certifications does FormPiper hold?

FormPiper maintains SOC 2 Type 2, PCI DSS, and HIPAA compliance. All data is encrypted in transit and at rest on AWS infrastructure.

Can I configure my own credit criteria?

Yes. Each lender partner defines their own credit tiers, approval rules, and application routing preferences. You control which applications you see.

What is technology licensing?

Technology licensing lets you white-label the FormPiper platform under your own brand. You get full API access, compliance infrastructure, and merchant network access — without building from scratch.

Lenders | FormPiper — Unified Payment Infrastructure

How It Works

One application.
Matched to the right lender.

Merchants submit once. FormPiper routes through a 6-tier waterfall. You only see applications that fit your credit box.

1

Merchant Submits

A single application is captured at the point of sale and sent to FormPiper.

2

FormPiper Matches

Our 6-tier waterfall routes the applicant to lenders whose criteria match — automatically.

3

You Decide via API

Receive a pre-qualified application in real time. Approve, decline, or counter — instantly.

Why partner with
FormPiper?

We've built the infrastructure. You bring the capital and criteria. Together, we close more deals.

Merchant Network Access

Plug into 1,000+ independent retailers across furniture, auto, medical, jewelry, home improvement, and more — through a single integration.

Compliance Infrastructure

SOC 2 Type 2, PCI DSS, and HIPAA compliant infrastructure. We handle the complexity so you can focus on lending.

Intelligent Routing

Applications are routed to the right lender at the right time. Your approval rates improve without additional overhead.

Real-Time Analytics

Full visibility into application volumes, approval rates, portfolio performance, and merchant activity.

Trusted Integrations

Integrated with Leading Lenders & Payment Providers

Two Ways to Partner — Option 1

Join the Network.
We Bring You Deals.

Join the FormPiper lender waterfall and receive routed applications matched to your credit criteria — automatically and in real time.

Automated application routing
Custom credit tier configuration
Real-time decisioning API
Full reporting dashboard

Best for: Lenders adding distribution

You bring capital and credit criteria. We bring 1,000+ merchants funneling applications into your decision engine — no merchant acquisition required.

Schedule a Demo

Two Ways to Partner — Option 2

License the Platform.
Power Your Own Product.

Already have customers? Use FormPiper's infrastructure to deliver waterfall financing under your own brand — APIs, compliance, and lender network access included. No build required.

White-label branding — your product, your name
Full platform API access
Custom workflow configuration
SOC 2, PCI DSS & HIPAA compliance baked in
Dedicated implementation team
Lender network access from day one

Best for: Fintechs & POS platforms

If you're serving merchants and want to layer financing into your stack without building it from scratch, technology licensing gives you a full-stack head start.

Schedule a Demo

Compliance & Security

Enterprise-grade
by default.

Every certification, control, and audit log your risk team will ask about — already in place.

SOC 2 Type 2

Audited annually

PCI DSS

Card data secured

HIPAA

Medical-grade privacy

AWS Infrastructure

99.9% uptime SLA

AES-256 Encryption

In transit & at rest

Real-Time Monitoring

24/7 SOC coverage

Lender & Provider FAQs

Common questions from prospective partners