Borrowers who answer, pre-qualified before your officer picks up.

What gets confirmed before the transfer

Enough to know it is a file, not enough to be advice.

Pre-qualification on this floor means the facts that decide whether your officer should spend the next twenty minutes, gathered in the borrower's own words and written down as stated.

The amount and the purpose

What they want to borrow and what for: a purchase, a refinance, consolidation, a business need, equipment. The purpose is often the thing that disqualifies, and it is the cheapest question to ask first.

The timeline

Whether this is this month or this year. Nothing wastes an officer's afternoon like a borrower who is nine months from being ready, and nothing is easier to establish on a call.

The income basis

Employed, self-employed, commission, rental, retired. Stated by the borrower, not verified by us: we are establishing whether there is a plausible file, and your underwriting does the rest.

The credit band, as they describe it

Self-reported, and captured as self-reported. The floor does not pull credit and does not tell anyone whether they will qualify.

The property or the collateral

Where applicable: the property type, the occupancy, roughly what it is worth and roughly what is owed. Enough for your officer to know which product they are opening.

The transfer

A live transfer into your queue with the notes already written, or a booked appointment in your officer's calendar with the recording attached. Whichever your team actually works from, agreed before launch rather than assumed.

Where the floor stops

No rates, no terms, no promises.

Lending is licensed work and the license is yours, not your vendor's. The single fastest way for an outsourced floor to create a problem for a lender is to let an agent answer the question every borrower asks first, which is what rate can I get. So the floor does not answer it.

No quoting

Agents do not quote rates, points, payments, terms or fees, and do not tell a borrower whether they will be approved. That question is the transfer, not the objection, and the script treats it that way.

Your scripts and disclosures

Approved by your compliance team before launch and not changed without them. Any state-specific language you require is part of the script rather than something an agent remembers to add.

Consent and suppression

We dial the records you provide on the consent basis you provide them under, and your suppression and do-not-call lists are applied as you supply them. A number you pull comes out of the cadence.

Every call recorded and scored

Every call is recorded, transcribed and scored by our AI QA system on compliance first and selling second, calibrated by a five-person QA team that reports daily. Flagged interactions are escalated the same day with the recording attached.

One client per team

The team and its coordinator work your products only. Nobody on your campaign is transferring borrowers to another lender on the next shift.

Aged leads, and the pipeline nobody worked

The cheapest borrowers you own are the ones you already paid for.

Most lenders are sitting on a database that cost real money: leads that were dialled twice and written off, applications that stalled at document collection, borrowers who were declined for something that has since changed, past clients whose rate is now worth revisiting. In-house teams do not work it, because working it is slow and the officer who could is busy with this week's fresh leads.

This is the work a result-priced floor is built for. There is no seat cost to justify, so a campaign that has to touch four thousand old records to find eighty live conversations is a campaign that can actually be run. We agree the attempt pattern and the suppression rules before launch, work the file, and hand back the borrowers who are live now along with a clean record of which ones are genuinely dead and why.

Recycling an old database is also the fastest way to find out whether this arrangement works for you, because the leads are already paid for and the only new cost is the result.

What it costs

Per result. Not per seat, not per hour.

You pay against the number we agree to own. For most lending clients that is the qualified transfer or the started application, and for some it is a share of what funds. There is no setup fee, no seat fee, and nothing billed during recruiting and training.

The rate moves with how strict your criteria are, which products you are running, the states you work and the volume you need in a month. A narrow product in a licensed state with a hard credit floor costs more per transfer than a broad consolidation campaign, because the floor dials longer to find each one. We quote it once we have seen your criteria, on the first call, not from a price list.

There is no minimum commitment. If it does not work, wind it down with notice. You will have paid for the results you accepted and nothing for the infrastructure behind them.

The first thirty days

Live in three to ten days, calibrated in the first two weeks.

Recruiting against your customer profile and training on your products run in parallel, which is what makes three to ten days from signed terms possible. Team size moves that number more than anything else, and compliance sign-off on the script is usually the longer pole on your side.

Then a soft launch at reduced volume while scoring calibrates. The first two weeks are where the transfer criteria on paper meet the borrowers on the phone: the credit band question turns out to be worded badly, the timeline threshold is too generous, a product your officers rarely write is eating a third of the dials. All of it gets adjusted while volume is still small.

After that you get a daily report against one number, and a floor you are welcome to visit. Sit behind your agents, join a standup, listen to live transfers before they reach your officers.