FAQ
Questions,
answered.
Everything you need to know about Fintology — pick a category to dive in.
Before you buy
No. Fintology is software for funding brokers and advisors. Your clients apply on your branded portal, and we match them against 4,500+ lending products from 500+ lenders. Every approval, amount, rate and timeline is the lender's decision, never ours.
Two plans, billed monthly or yearly, cancel any time. Lite is $297 a month: one login, your portal on a Fintology subdomain, unlimited clients, ticket support. Ultimate is $997 a month: unlimited team logins, your own domain and branding, the CRM, invoicing, collections and every tool. Your clients pay a one-time $19.97 portal fee when they sign up, which you can choose to cover for them.
Their portal account, a soft tri-bureau credit pull (no effect on their score), the identity check, a dedicated phone number and email address assigned to them for their lender correspondence, and the matching. A cheaper soft pull elsewhere gives them a report; it does not give them the matching, the sequencing or the applications.
Yes. On Lite, any calendar month in which you put 20 or more clients through the credit pull has that month's plan fee credited back. On Ultimate the number is 50. Clients are unlimited on both plans; the numbers are only where the month becomes free.
Neither. Under the consent and power of attorney your client signs at onboarding, our fulfillment team completes and submits each application on their behalf using the details they provided. Lenders contact your client at the dedicated phone number and email address assigned to their account, and everything a lender sends them appears in their portal. Some lenders require the client to apply directly on the lender's own site; the portal lists those. You never fill in a lender form yourself.
The matching puts the products your client qualifies for in rounds, in the order that gives each application its best chance, and moves to the next round as results come in. Many clients end up with more than one approved product. We never promise an approval or an amount; that is the lender's call every time.
The lender pays you, directly. Fintology takes no share of your commissions and no share of anything you charge your clients. Your only costs are the plan and, if you choose to cover it, your clients' $19.97 fee.
No extra charge. Your own domain, logo and portal design are part of Ultimate. Lite runs on your Fintology subdomain. Both plans cover personal and business funding for every client.
Business and personal credit products: lines of credit, term loans, credit cards, buy-now-pay-later and merchant cash advances, from banks, credit unions, online lenders and other funders. Not covered: mortgages, commercial real estate, construction and auto loans.
You must follow the laws that apply to your business and your state, including broker registration where your state requires it. Fintology holds the master agreement with lenders that require one; a few lenders may ask you for a one-time agreement of your own after your first funded deal with them, which adds that lender to your own network.
Set-up can be live the same day. Pick a plan, brand your portal, invite your first client.
Yes, without a call. Watch the 4-minute walkthrough, or ask in the chat for a live demo link: it opens a working portal with sample data for 30 minutes, nothing charged or pulled.
No trial. Plans renew until you cancel from Billing; your access runs to the end of the period you paid for. All sales are final, and there is no refund for a partial period. Your client's $19.97 fee is also final once their credit pull has run.
9 AM to 6 PM Eastern on weekdays, 12 to 6 PM on weekends. Outside those hours, leave a message in the chat and we answer when we are back.
Getting Started
Fintology is software for funding brokers and advisors. Your clients apply on your portal, and our AI matches them against 4,500+ products from licensed lenders.
Fintology is for brokers, funders, coaches and consultants. Your clients must be 18+ and US-based.
Pick a plan, brand your portal and invite your first client. Your client answers a few questions and connects their credit report; the AI checks them against 4,500+ lending products and builds their plan. Your clients pay a one-time portal fee, which you can cover for them.
No. You pay a monthly plan (Lite or Ultimate). Your clients pay a one-time portal fee, which you can cover for them. There is no charge for a lender's decision, and approval is always up to the lender.
No. The software runs a soft credit check, which doesn't affect your client's score. A hard inquiry only happens if your client formally applies with a lender.
AI Matching System
It reads your client's credit report and the details they give, checks them against each lender's published requirements across 4,500+ lending products, and puts the products they qualify for in the order that gives each application its best chance.
Matches are built from each lender's published criteria and your client's own credit report, and the order to apply in is chosen so each application has the best chance. Every decision is the lender's, so a match is never a promise of approval.
Yes. Your portal shows each product chosen for a client, the order to apply in, and each application's result as it comes in. Your client sees the same in their view.
Loans & Credit Products
The business and personal credit products available through licensed lenders: lines of credit, loans, credit cards, buy-now-pay-later and merchant cash advances, from banks, credit unions, online lenders and other funders, 4,500+ lending products in all.
It depends on the product and the lender: each sets its own minimum and maximum, and a client's plan only includes products whose requirements they meet. The amount is always the lender's decision.
Rates depend on your client's credit, the product and the lender, and only the lender can quote one. Any rate or fee is shown to your client by the lender before they accept an offer.
It depends on each lender and product. Your portal shows every application's status as it changes.
Account & Security
Sensitive details such as Social Security numbers and dates of birth are encrypted when stored, and every connection to the platform is secured. A client's information is seen only by the client, your team and our application specialists.
Yes. A client can delete their account at any time from their account settings. To have their personal data deleted as well, they contact our support team and we take care of it. You can close your own account from your billing dashboard.
The client, your team and our application specialists. We never sell client data or share it without consent.
Applications & Approvals
Your clients don't fill in lender forms themselves: once a plan is ready, our AI and application team complete each lender application in the best order, and your portal shows each result. The details your client gave are used for each application, so nothing is re-typed.
Yes. We apply to several lenders for your client, in rounds, in the order that gives each application its best chance. Your client compares any offers before accepting one.
It varies by lender, usually proof of identity, proof of income and recent bank statements. If a lender asks for something, your client is told in their portal and you see it in yours.
A decline from one lender is used to re-check the rest of the client's plan before the next round. Where a lender gives a reason, it is passed on so the client knows what to work on.
Billing & Payments
Your clients pay a one-time portal fee, which you can cover for them. There is no charge for being approved, and every lending decision is the lender's.
No hidden fees from Fintology. Any fees tied to a client's loan (origination fees, etc.) are disclosed by the lender before the client accepts an offer.
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