Marketing, websites and systems built for lenders and loan marketplaces.
Consumer and auto lenders, and the marketplaces that feed them, live or die on two numbers: cost per funded loan and the compliance record behind every lead.
Step 1 of 2
How can we help you get found?
Next: name, email and budget. That’s it.
Growth means a capture flow that qualifies without scaring people off, consent language that survives a TCPA audit, and delivery plumbing that gets the right lead to the right buyer in seconds. We have built this for lenders and loan marketplaces: branching match quizzes, staged capture with consent proof, identity and vehicle prefill from a credit bureau over mutual TLS, live lender offer calls, delivery with retries and dedupe, and an editorial engine of lender reviews that ranks and converts. Then we run the paid media and search content that keep the funnel full.
Questions this page answers
- Who is the best agency to build a loan marketplace website
- Marketing agency for auto lenders
- How do I build a lender match quiz with TCPA consent
- Lead delivery system for loan marketplaces with dedupe and retries
- Website design for consumer lenders
- How to prefill a loan application from credit bureau data
Where growth is won or lost in lenders.
A borrower who types auto refinance with bad credit into a phone clicks an ad that costs real money, lands on a quiz, and finishes or leaves inside ninety seconds. Of the people who finish, only a slice match a lender on the panel by state, credit band and loan purpose; everyone else is unsellable at any price. The marketplace is paid per accepted lead or per funded loan, so the entire business is a ratio: click cost against completion rate against buyer acceptance against payout. Tax refund season lifts auto and personal volume, a rate move lifts refinance, and buyers tighten acceptance at quarter end without warning.
Every lead also carries a liability. Buyers now ask for the consent text, the timestamp, the certificate and the list of named sellers before they pay, and a plaintiff's attorney will ask for the same file two years later. Most prior vendors built the funnel as a form on a page builder with a generic checkbox, no version history and delivery by email or a nightly spreadsheet. Leads arrived late, were rejected as duplicates, and nobody could reconcile a buyer invoice to what was actually sent. The agency reported clicks and conversions while finance argued with buyers over which leads counted. Nobody owned the ledger.
We build the funnel as software rather than a landing page: a quiz ordered to protect completion, consent recorded with versioned text and a certificate on every lead, and delivery in each buyer's schema with retry queues, a dedupe window and a ledger finance reconciles weekly. Then we run search and Meta by loan intent with acceptance rate, not click volume, as the signal we optimize toward, and publish lender reviews and state guides that earn the organic side of the funnel at no per-click cost. Reporting is cost per accepted lead and cost per funded loan by source, because those two numbers decide what scales.
The problems we fix in lenders and loan marketplaces.
Cost per funded loan drifts up
Paid clicks are expensive in lending and most of them never fund. Without a quiz that routes by credit band, loan purpose and state, you pay full price for applicants no lender on your panel will take.
Consent that will not hold up
A checkbox and a privacy link are not TCPA or E-SIGN proof. When a buyer or a plaintiff asks for the consent record on a specific lead, most marketplaces have nothing timestamped, versioned or tied to the session.
Abandonment at the long form
Asking for a Social Security number, income and vehicle details on one screen loses the applicant. Staged capture, prefill from bureau data and a clear reason for each field are what keep completion rates up.
Leads that arrive late or twice
Buyers reject leads that show up minutes after the session or that they already bought from another source. Delivery needs retries, dedupe windows, per-buyer schemas and a ledger you can reconcile against invoices.
Web, marketing, creative and systems for lenders and loan marketplaces.
Built on your accounts, wired into the tools your team already runs, and measured to booked work.
- Loan-type entry pages
- Match quiz
- Lender review pages
- State eligibility guides
- Rate comparison tables
- Payment and refinance calculators
- Consent, privacy and partner disclosure page
- What happens next page
Each page answers one intent, carries one call to action, and lands the lead in your CRM with the page attached.
Websites and digital product.
A multi-step flow that asks loan type, amount, state, credit self-assessment and vehicle details in the right order, with branches that skip what does not apply and route to the lenders who buy that profile.
- Staged capture with consentContact and identity fields collected in stages, each with its own consent language, TCPA disclosure and E-SIGN acknowledgment, plus a stored snapshot of exactly what the applicant saw and agreed to.
- Editorial engine for lender reviewsA typed content schema for lender reviews, rate comparisons and state guides, with build-time gates that block a publish when required fields, disclosures or dates are missing.
- Fast, secure pagesServer-rendered pages with strict headers, no third-party scripts in the capture path, and a page speed budget so paid traffic does not bounce before the first question loads.
- Second brand from the same engineA fork of the same quiz, capture and editorial engine under a different name and audience, sharing the delivery layer so a second brand launches in weeks instead of a rebuild.
- Google Search by loan intentAlways on, budget raised in tax refund season and after rate moves
- Microsoft AdsAlways on, mirrored from the Google build monthly
- Meta under the credit ad categoryAlways on, creative refreshed every four weeks
- Organic lender reviews and state guidesPublished weekly, refreshed whenever a lender changes terms
- Email and SMS to non-completersMinutes after abandonment, once more at 24 hours, then quiet
- Publisher and comparison-site partnersAlways on, acceptance rate reviewed per partner monthly
Demand, search and reputation.
Google and Microsoft campaigns segmented by loan type, credit band language and state, with negatives that strip out job seekers, students and existing-customer queries before they spend money.
- Meta and remarketing with the right disclosuresMeta campaigns run under the special ad category rules for credit, with creative that passes the lender's advertising review and remarketing that only follows people who started a quiz.
- Search content that answers the questionLender reviews, rate explainers and state-specific eligibility pages written to match what borrowers ask and structured so search engines and the major AI platforms cite them.
- Landing pages per buyer profileSeparate landing pages for auto refinance, personal loans, bad-credit and subprime auto, each opening the quiz at the relevant branch so the ad message and the first question match.
- Disclosure-first copyHeadlines and quiz microcopy written with compliance counsel's edits in mind, so approved language is clear and human instead of a wall of legal text.
- Comparison and review formatsTemplates for lender review cards, rate tables and pros and cons blocks that stay consistent across hundreds of pages and stack cleanly on a phone.
- Ad creative setsStatic and short video units for search partners and Meta, built around real borrower situations and refreshed on a schedule so frequency does not kill performance.
Brand, photography and collateral.
Name, mark and voice for a marketplace that has to feel like a helpful guide rather than a lead farm, with a type and color system that reads as financial without looking like a bank.
Comes in from
- Website forms
- Tracked calls
- Ads and LSA
- Google Business Profile
Lands in
- Salesforce
- HubSpot
- Velocify (ICE)
Comes back as
- Per-source attribution
- Automated follow-up
- One weekly scoreboard
Built to your system of record, not around it. Nothing is re-keyed by hand.
Integration, automation and data.
Identity and vehicle prefill from a credit bureau data service using certificate-authenticated connections, with consent gating so no pull happens until the applicant has agreed.
- Live lender offer APIReal-time calls to lender and marketplace offer APIs, with timeouts, fallbacks and a normalized offer model so the applicant sees comparable terms from multiple lenders on one screen.
- Lead delivery with retries and dedupePer-buyer delivery in the schema each lender expects, with retry queues, duplicate detection across a configurable window, acceptance and rejection logging and a daily reconciliation report.
- Consent and session ledgerEvery lead stored with its consent text version, timestamp, IP, TrustedForm or Jornaya certificate and the exact form fields shown, so a consent record can be produced on request.
- Ops dashboardsFunnel step conversion, buyer acceptance rates, cost per accepted lead by source and a payout ledger that finance can reconcile against buyer invoices without spreadsheets.
What a great lenders website contains.
The pages that do the selling for this kind of company, and what each one has to do to turn a visit into a call.
Loan-type entry pages
Auto refinance, personal loan, subprime auto and debt consolidation pages, each opening the quiz at its own branch so the ad promise and the first question agree.
Match quiz
Staged questions ordered by drop-off risk, with state, purpose and credit self-assessment first and identity last, so unsellable profiles exit early and sellable ones complete.
Lender review pages
One page per lender with rates, terms, eligibility, fees and a dated verdict, ranking for lender-name searches and sending readers into the quiz at the right branch.
State eligibility guides
Programmatic pages per state covering rate caps, licensing and which panel lenders operate there, each unique and linked from a hub that lists every state.
Rate comparison tables
Normalized offer tables that stack into cards on a phone, with APR ranges and representative examples shown the way ad policies and lending law require.
Payment and refinance calculators
Simple tools that show a monthly payment or refinance savings before asking for anything, then hand the numbers into the quiz so the borrower does not retype them.
Consent, privacy and partner disclosure page
The exact consent language, the named partner list and the privacy notice, versioned and linked from every form so buyers and auditors can read what the applicant saw.
What happens next page
Sets expectations after submit: who will call, from what numbers, how many offers to expect and when, cutting inbound where-is-my-offer calls and complaint volume.
Lender partner page
For lenders evaluating the panel: lead specifications, delivery formats, acceptance rules and integration steps, so a new buyer can be wired in weeks not quarters.
Where the demand comes from, and when.
The tools lenders and loan marketplaces already run on.
We build to your system of record rather than around it. Leads, calls, jobs and revenue land where your team already works, with the attribution attached.
Salesforce
Leads, consent records and buyer outcomes synced to the objects your sales and compliance teams already use.
HubSpot
Contact creation, lifecycle stages and nurture sequences for applicants who did not match a lender today.
Velocify (ICE)
Lead posting with priority rules so loan officers call new applicants in the order that converts.
ActiveProspect LeadConduit
Lead flows, TrustedForm certificate checks and buyer routing with acceptance logic per lender.
Jornaya and TrustedForm
Consent certificates captured on every quiz session and attached to the lead before delivery.
Twilio
SMS confirmations, speed-to-lead calls and two-way texting tied to the applicant record.
TransUnion and Experian data services
Identity, vehicle and prequalification data pulled under consent and mutual TLS for prefill.
What we run the account by
Cost per accepted lead by source.
Clicks and quiz starts do not pay; a lead a buyer accepted does, and the source split says which campaign to scale.
Quiz completion rate by step.
Shows exactly which question loses applicants, so the fix is a reorder or a prefill instead of a guess at the whole funnel.
Buyer acceptance rate.
The share of delivered leads a lender takes; a drop signals duplicates, late delivery or a criteria change nobody announced.
Cost per funded loan.
The number that survives the buyer's own funnel, reconciled from buyer reports, and the only honest basis for a budget increase.
Consent record completeness.
Share of leads with versioned consent text, timestamp, IP and certificate attached; anything under complete is a lead you cannot defend.
Rules we respect
TCPA and named-seller consent.
Consent for calls and texts must be express, written, tied to the session and name the lenders who may contact the applicant, with the record retrievable per lead.
FCRA and E-SIGN for bureau prefill.
No credit bureau pull before the applicant authorizes it, with a permissible purpose on file and E-SIGN acknowledgment captured before any identity data is requested.
Truth in Lending and state lender rules.
APR ranges, representative examples and fee disclosures on any page that quotes terms, plus state loan broker registration where a marketplace is required to hold one.
Google and Meta financial ad policies.
Personal loan ads require an APR range, repayment terms and fees on the landing page, and Meta credit campaigns run inside the special ad category with narrowed targeting.
The lenders playbook.
Audit the funnel and the consent trail.
We walk the live quiz as an applicant, read the delivery logs, and pull consent records for a sample of leads. The findings list what leaks money and what would fail a TCPA or buyer audit.
Fix capture, consent and delivery first.
Staged capture, versioned consent snapshots, retry and dedupe logic and buyer schemas go in before any new traffic, so every dollar spent afterward produces a lead someone will accept.
Build the engine and the editorial layer.
The branching quiz, bureau prefill, live offer calls and the review and comparison content engine go live with typed schemas, CI content gates and a launch SEO baseline.
Run paid, search and buyer relations.
We manage search and Meta by loan intent, publish on a content calendar, watch acceptance rates per buyer, and report cost per accepted lead weekly with the numbers finance uses.
- Strategy and brandwe lead it or back your team
- Paid mediamanaged day to day
- Search and AI visibilityrun and reported monthly
- Websites and hostingbuilt, hosted and cared for
- CRM and lead systemsrun for you or with you
- Creative and contentproduced in-house
Fully managed, alongside your team, or built and handed off. Month to month after the initial term.
Why lenders and loan marketplaces choose us.
Quiz, consent, bureau prefill over mutual TLS, live offer APIs, delivery with retries and a review engine with content gates: we have shipped every one of these for lenders and marketplaces, not just the ad account.
- Compliance is designed in, not bolted onTCPA, E-SIGN and state disclosure rules shape the flow from the first screen. Consent snapshots, certificates and audit logs are standard in what we build, which is what buyers and counsel ask for first.
- We run our own propertiesTheory Road builds and operates its own brands, so the playbooks for capture, delivery and editorial content are tested with our own money before they touch a client's funnel.
Reading for lenders and loan marketplaces.
- Systems & Integration · Takeaway
HubSpot is usually the better fit for small and mid-market companies that want marketing, sales and service in one system their own team can run without a full-time admin.
Systems & Integration · 11 min read
HubSpot vs Salesforce: Which CRM Fits a Growing Company.
HubSpot and Salesforce can both run a serious sales operation. The real differences are in how much you can customize, who has to maintain it, how marketing fits in, and what the first year costs once implementation is counted.
Read - Lead Generation · Takeaway
Prior express written consent needs a clear disclosure, the named seller, the automated-technology language, a no-condition-of-purchase statement and an affirmative act such as an unchecked box.
Lead Generation · 9 min read
TCPA Consent Form Language for Web Forms: Examples That Hold Up.
What prior express written consent actually requires on a web form, where the one-to-one rule stands, what states add, three example consent paragraphs to hand your counsel, and how to store the proof so it travels with the lead.
Read - Agency Guide · Takeaway
Every purchased lead bundles contact details, a consent record and a claim about freshness; vetting means pricing each one honestly instead of taking the vendor's word.
Agency Guide · 9 min read
How to Vet a Lead Generation Company Before You Buy a Single Lead.
The questions to ask a lead vendor before you sign, what a good answer and a bad answer look like, the industry rules that change the answers, the red flags that end the conversation, and a two-week pilot with tracking that tells you the truth.
Read
Hiring an agency for a lenders business.
- who is the best agency to build a loan marketplace website
- The right firm has built the capture flow, the consent layer and the lead delivery plumbing, not just a front end. We have done all three for lenders and loan marketplaces, including bureau prefill, live offer APIs and buyer delivery with retries and dedupe. Ask any agency to show you a consent record for a real lead. If they cannot, keep looking.
- How do you handle TCPA and E-SIGN consent in the quiz?
- Each stage of capture carries its own consent language, and we store a snapshot of the exact text, version, timestamp, IP and session with every lead, alongside a TrustedForm or Jornaya certificate. E-SIGN acknowledgment is captured before any electronic disclosure. We work from your counsel's approved language and never write legal text ourselves.
- Can you connect us to lender offer APIs and credit bureau data?
- Yes. We have integrated live lender and marketplace offer APIs with normalized offer models, and identity and vehicle prefill from a credit bureau data service over mutual TLS with consent gating. You supply the credentials and agreements with each partner. We build the integration, the fallbacks and the logging.
- How is lead delivery kept clean for buyers?
- Every buyer gets leads in their own schema, with a retry queue for failed posts, duplicate detection across a window you set, and acceptance or rejection logged per lead. A daily reconciliation report compares what we sent against what each buyer accepted, so invoices match without a spreadsheet fight.
- Do you run the paid media and content as well?
- Yes. We run Google, Microsoft and Meta campaigns by loan intent with deep negatives and the credit special ad category rules, and we publish lender reviews, rate explainers and state pages through the editorial engine with typed schema and CI content gates. Reporting is cost per accepted lead by source, every week.
Let’s grow your lenders business.
A short note on where the business is and where it needs to go. A senior partner replies within one business day.