The fastest path to a “yes.”
6M annual applications. 35+ lenders. 4 channels. Themed for every merchant we ship.
- Step 01 · Input
Consumer applies — one form, one device
- Step 02 · Platform
Versatile Apply API — one contract · 35+ lenders
The gateway absorbs every lender's compliance copy, language, and field requirements.
- Step 03 · Cascade in priority orderSynchronyPrimaryWells FargoPrimaryAcimaSecondary · approvedConcoraTertiary · skippedAFFTertiary · skipped
- Step 04 · Outcome
Approved
Customer sees one outcome. The declines never appear in the experience.
One form · 35+ lenders attempted in priority order
Approval hero, one template, every lender
Application DecisionCongratulations!
You are now a Synchrony Bank credit card holder!
Account Credit Limit
$5,600.00
Thank you for applying. You will receive your credit card in the mail in 7–10 days. If you wish to use your account today, please proceed to the Customer Service Desk or see a Sales Associate.
“Congratulations, you're approved — that anxiety meter goes down, and now you're in the green.”
The problem, and the approach
A consumer applies for financing once. The merchant wants that one application to reach 35+ lenders without 35 forms, 35 redirects, or 35 different compliance gauntlets. Every lender has a different gateway, different required fields, different regulatory language.
The gateway exposed a single API, but every front-end flow had to absorb that lender's compliance copy, language, and field requirements. The wrong move was to treat compliance text as content. The right move was to treat it as a design-system token, owned by the lender's contract, surfaced at the right moment in the flow, and replaced when a regulation changed. I owned that translation from the gateway contract to the user-visible experience, across 35+ integrations. That single decision (compliance as token, not as content) is why we ship lender variants in days instead of weeks.
One product. Three verticals.
Versatile Apply is the same product across home improvement, retail, and elective medical. The lenders, compliance, and field requirements shift per vertical. The flow doesn't.
Versatile Apply
One application form
Home Improvement
In-home tablet
Sunlight · Wells Fargo · TD Bank
West Shore Home — locked stack
Retail
In-store kiosk · POS
Synchrony · Wells Fargo · +5 in cascade
Ashley · City Furniture
Elective Medical
In-chair tablet · mobile handoff
CareCredit · Sonrava · Concora
Western Dental
Home Improvement
In-home tablet
Sunlight · Wells Fargo · TD Bank
West Shore Home — locked stack
Retail
In-store kiosk · POS
Synchrony · Wells Fargo · +5 in cascade
Ashley · City Furniture
Elective Medical
In-chair tablet · mobile handoff
CareCredit · Sonrava · Concora
Western Dental
The flow is the same. The stack underneath isn't.
- 1Applicant Info
- 2Pre-qualified
- 3Decision
Applicant Info
One application, themed for the active lender. When the primary lender declines, the gateway rolls the same applicant data to the next in priority. Switch merchant to change vertical, lender to change cascade position, or viewport for iPad vs mobile.
In-store kiosk decision. The cascade rolls fall-through approvals until a lender accepts.
- 1About You
- 2Eligibility
About You
Great news! You've received financing offers from two of our trusted lending partners, providing you with the flexibility to choose the offer that best suits your needs.
Choose the lender that works for you, and start your project with confidence!
John Doe
You have an offer from Sunlight
Approval Amount
$12,000
John Doe
You have an offer from TD Bank
Approval Amount
$14,900
Offers may be contingent on Proof of Home Ownership or Proof of Income
Installment Loan
60 month @ 8.99% APR
with monthly loan payments of $199.23.
$199/mo
Sorry, Wells Fargo, was unable to pre-qualify you. You may proceed with the Wells Fargo Application. (If you tried to pre-qualify using an ITIN click here to apply.) Completing this application will result in a hard inquiry on your credit report.
One application, themed for the active lender. When the primary lender declines, the gateway rolls the same applicant data to the next in priority. Switch merchant to change vertical, lender to change cascade position, or viewport for iPad vs mobile.
Consumer pre-qualified mid-visit. The decision moment lives inside the in-home appointment, not after it.
- 1Patient Info
- 2Choose Offer
Patient Info
Patient Information
By providing your contact information below, delivery of any service or item by phone is for any purpose. You will be contacted via call or text message about your application status. Standard message and data rates may apply.
Patient
Treatment
Insurance
By providing your information, you authorize Western Dental and its participating lenders to obtain consumer credit reports for the purpose of pre-qualifying you for in-office treatment financing. Pre-qualification will not affect your credit score.
One application, themed for the active lender. When the primary lender declines, the gateway rolls the same applicant data to the next in priority. Switch merchant to change vertical, lender to change cascade position, or viewport for iPad vs mobile.
Multi-lender choice on tablet and mobile. Patients pick the best offer in-chair.
Vertical changes mean different lender stacks (home improvement leans Service Finance + Acima; elective medical leans CareCredit + Sonrava + Bread Pay), different compliance language, different field requirements. The flow architecture absorbs all of it.
One template, every lender
Inside any vertical, the platform ships brand-correct experiences from one source of truth. That source of truth powers 35+ partner brand channels. Switch lenders below to see the same flow re-theme in real time, and how the cascade falls forward when a primary declines.
Same flow. Six lenders. One platform.
- 1Applicant Info
- 2Pre-qualified
- 3Decision
Synchrony is unable to approve your application at this time. You will receive a written notification in the mail within 7–10 business days regarding your application decision.
Applicant Info
One application, themed for the active lender. When the primary lender declines, the gateway rolls the same applicant data to the next in priority. Switch merchant to change vertical, lender to change cascade position, or viewport for iPad vs mobile.
Adding a lender wasn't just an API call. Compliance text, language, and field requirements vary per partner. One template absorbs all 35+ variations.
Same flow, native on mobile
Snap Sign sends the application from kiosk → consumer's own phone via QR or SMS. The mobile experience isn't a port of the desktop. It's a peer surface.
- 1
- 2
- 3
Applicant Info
One application, themed for the active lender. When the primary lender declines, the gateway rolls the same applicant data to the next in priority. Switch merchant to change vertical, lender to change cascade position, or viewport for iPad vs mobile.
- 1
- 2
About You
Great news! You've received financing offers from two of our trusted lending partners, providing you with the flexibility to choose the offer that best suits your needs.
Choose the lender that works for you, and start your project with confidence!
John Doe
You have an offer from Sunlight
Approval Amount
$12,000
John Doe
You have an offer from TD Bank
Approval Amount
$14,900
Offers may be contingent on Proof of Home Ownership or Proof of Income
Installment Loan
$199/mo
60 month @ 8.99% APR
with monthly loan payments of $199.23.
Sorry, Wells Fargo, was unable to pre-qualify you. You may proceed with the Wells Fargo Application. (If you tried to pre-qualify using an ITIN click here to apply.) Completing this application will result in a hard inquiry on your credit report.
One application, themed for the active lender. When the primary lender declines, the gateway rolls the same applicant data to the next in priority. Switch merchant to change vertical, lender to change cascade position, or viewport for iPad vs mobile.
- 1
- 2
Patient Info
Patient Information
By providing your contact information below, delivery of any service or item by phone is for any purpose. You will be contacted via call or text message about your application status. Standard message and data rates may apply.
Patient
Treatment
Insurance
By providing your information, you authorize Western Dental and its participating lenders to obtain consumer credit reports for the purpose of pre-qualifying you for in-office treatment financing. Pre-qualification will not affect your credit score.
One application, themed for the active lender. When the primary lender declines, the gateway rolls the same applicant data to the next in priority. Switch merchant to change vertical, lender to change cascade position, or viewport for iPad vs mobile.
A custom design system inside the platform
The white-label model goes further than theming. TD Bank's Commercial Online Application ships on the Apply platform with a purpose-built TD design system: TD green for headings and input outlines, orange for primary actions, the signature green wave on every screen, binary tap cards for consent moments. The flow architecture is shared. The chrome is unmistakably TD.
- 1Business Information
- 2Applicant Information
- 3Beneficial Owner Information
- 4Authorized User Information
- 5Fair Lending Information
Business Information
Click HERE to open and review the pricing, terms, conditions and Commercial Account Agreement in a separate window. Please save a copy for your records.
Before submitting your application, please review all application data and agree to all disclosures
Same gateway, same compliance harness, same cascade underneath. What changes at the surface is a complete component vocabulary. The Versatile attribution lives only where it must legally appear (vendor disclosure on the opening screen).
Outcome
- Prime applicants
- +92%
- Near-prime approvals
- +157%
- Time-to-decision
- 3 min
Footnoted “Data Reflects Merchants with High Platform Adoption.” Source: versatilecredit.com/blog/the-engagement-gap
What I learned
Treating compliance text as a design-system token (not content) let us add new lenders 10× faster than the initial estimate. Once the harness existed, adding a lender went from “weeks of design” to “a day of contract mapping.”
The merchant variation layer was built on top of the lender variation layer instead of as a peer dimension. If I were starting fresh, lender × merchant × channel would be three peer axes from day one, not nested.
Kiosk conversion in retail outperformed mobile in the same merchants. The instinct to declare “mobile-first” is wrong here. When a customer is already in-store, a fixed kiosk converts better than handing them a QR code. Per Versatile's own COO: “We ship as many kiosks today as we did 10 years ago.”
Ashley's flow rides on the Versatile Apply platform but was built with a Vue.js front end against Synchrony's API contract. I owned the design and the front-end implementation. I paired with backend engineers on the gateway shape, then shipped the consumer UI alongside them. That direct ownership is why the compliance-as-token decision actually held: I wasn't sketching it for a handoff. I was writing the components that consumed those tokens at render time.