Agentic financial infrastructure behind every brand.
EazePay is the financial infrastructure behind the brand, prequalification, agents, a lender marketplace and payment processing on one platform. MedPay, TradePay, CoachPay and VetPay are brand wrappers riding the exact same rail.
- Lender marketplace
- Soft pull only
- $240M+
- Orchestrated
- lifetime GMV · processing + financing
- Curated
- Lender marketplace
- prime → near prime · soft pull
- <10s
- Avg decision
- parallel waterfall · p95
- 99.8%
- Uptime SLA
- rolling 12mo · audited
Processor, bank-partner, bureau, identity and attribution rails, in one platform.
Every brand. Every transaction. One platform.
EazePay is the infrastructure. MedPay, TradePay, CoachPay and VetPay are brand wrappers on top of it. Underneath, one platform carries prequalification, the agents, a lender marketplace and payment processing. Stand up a new brand in days, the infrastructure beneath is already live, audited and in production.
A processor here, lenders there, applications you can't track, and clients qualified off form questions alone.
- Fragmented
A separate payment processor and several lenders, each on its own platform, nothing connected
- Blind
Little to no visibility or tracking on where a finance application actually stands
- No support
When a deal stalls or something breaks, you are on your own
- Form questions
Clients qualified the old way, static questions in a form, with no real financial data behind the answers
One financial infrastructure behind every brand, prequalification, agents, lenders, orchestration, application tracking and payments, together.
- One platform
Prequalification, agents, a lender marketplace, the orchestration waterfall, application tracking and payment processing, one financial infrastructure
- Full tracking
Every finance application tracked end to end, in real time, from capture to funded
- Real support
A team behind you, onboarding, launch and ongoing
- Real data
Leads qualified on real financial data by the prequalification agents and smart form, not form questions
One infrastructure. Four parts.
Prequalification, agents, a lender marketplace and payment processing, built as one system, behind every brand. This is what EazePay actually is.
Prequalify on real financial data, in seconds.
The smart form pulls live credit and income on a soft inquiry, then decisions it on your rules. No credit impact, no waiting. Applicants see where they stand, and your sales team knows exactly who they are speaking with before they pick up the call.
- Soft pull prequal · zero credit impact
- Credit, income and affordability pulled live · under 2s
- Decisions on your thresholds · routed automatically
- Your sales team sees who they are speaking with before the call
Seven agents, bundled in.
Intake, enrichment, scoring, routing and attribution run as agents inside the platform, no separate AI stack to buy. Each has one job, a measurable output and an immutable, exportable audit trail.
- Defined role + scope + measurable output per agent
- Real time scoring, routing and attribution
- Every action logged to an immutable, exportable trail
Lender marketplace waterfall.
Every application waterfalls through a curated lender marketplace, prime through near prime, in parallel. The best offer wins by total cost of credit and the lender disburses merchant direct.
- Parallel quoting across a curated lender panel
- Best fit offers ranked by total cost of credit
- Merchant direct disbursement · 48 to 72hr
Run your deals on better processing rates.
Process your card payments through our partner processor and tap into preferred industry rates. Processing and financing sit side by side, so you take the payment and offer financing in the same flow.
- Preferred industry rates through our partner processor
- All major card networks
- Take payments and offer financing side by side
One smart form, routed your way.
Route on whatever you want, credit, income, or the answers the form collects. Switch configurations below and watch a live lead walk each one: sequential financial gates, a parallel score plus an intent question, or pure question based routing. Every decision lights up as the lead finds its funnel.
Seven agents, bundled. No separate AI stack.
PRISM, VEGA, ORACLE, HELIX, NEXUS, FLUX and ECHO ship in the same signup as the financing marketplace. Each has one job, a measurable output and an immutable, exportable audit trail. This is the live console.
Watches every apply form session in real time. Reshapes question order on partial answers, strips friction for high intent applicants and adds verification when it detects junk. Learns which sequences convert per merchant, per source.
Orchestrates 12 enrichment providers in parallel. Picks the cheapest source likely to match, falls back automatically on failure and dedupes identity collisions across vendors.
Runs a calibrated propensity model trained on closed won outcomes per merchant, not a generic lookalike. Retrains nightly on every disposition and surfaces drift before it touches revenue.
Matches every qualified applicant to the right rep, not just the next available one. Learns which reps close which tiers, accounts for capacity in real time and routes around breaks and underperformance.
Routes every qualified applicant through a curated lender marketplace, prime to near prime. Soft pull only. Learns which lenders approve which profiles and reroutes around lenders that tighten overnight.
Handles the money movement. Presents BNPL, POS finance, ACH and card based on the lender approval, retries failed payments intelligently and reconciles every settled cent to the originating campaign.
Closes the loop. Holds pixel events until an applicant clears qualification, then fires weighted conversions back to Meta and Google via server side CAPI and uploads closed won deals as offline conversions, the cleanest training signal your ad account will ever see.
Every lender. One waterfall. Best offer wins.
Every application waterfalls through a curated lender marketplace, prime to near prime, in parallel. NEXUS ranks the three best offers by total cost of credit on a soft pull. The lender on the winning offer disburses merchant direct in 48 to 72 hours.
- Soft pull only · zero credit impact
- Three best fit offers ranked by total cost of credit
- Lender carries the credit risk · no clawback on routine defaults
- Merchant direct disbursement · 48 to 72hr to your account
Representative panel, lender names and rates are illustrative of the marketplace, not a published offer. Soft pull only; final APR is set by the lender.
Pre-approved in seconds.
This is what your customer sees. They apply, get prequalified on a soft pull, credit, income and DTI, and see their pre-approved offers in seconds, with no hit to their credit. Every brand shows the same flow, skinned in its own look.
- Prequalified on a soft pull · credit, income and DTI in seconds
- Pre-approved offers ranked by best total cost of credit
- Zero credit impact · no hit to their score
- Funded fast once they accept · 48 to 72 hours
Train your ads on buyers, not form fillers.
Most funnels fire a conversion the second a form is submitted, so your pixel learns from everyone. EazePay holds that signal until the lead clears prequalification, then fires a clean, weighted event back to Meta and Google with the financial data behind it. Your bidding starts optimizing for real buyers, so cost per quality lead comes down over time.
- Server side CAPI with deduplication keys, so Meta sees one clean event, not two.
- Offline conversions uploaded when the deal actually closes, the strongest signal you can send back.
- Tier weighted events push a higher value score for your best leads, lower for the rest.
Representative view. Only qualified leads fire a conversion event, so the ad platform optimizes toward buyers, not form fills.
Same infrastructure. Different brand.
MedPay, TradePay, CoachPay and VetPay are brand wrappers on the EazePay infrastructure, the exact same prequalification, agents, lender marketplace and payment processing underneath. Only the brand, the copy and the underwriting profile change. Stand up the next one in days.
Patient financing for dental, med spa, dermatology and vision practices.
Homeowner financing for HVAC, solar, roofing and window contractors.
Tuition financing for coaching programs, certifications and bootcamps.
Pet care financing for veterinary clinics, specialty and emergency animal hospitals.
Built and proven in production.
Frequently asked questions.
The essentials on how EazePay works, the infrastructure, the brands, prequalification, the marketplace and payments. Need more? Book a call and we'll walk you through it.
What is EazePay?
How do the different brands work?
Does prequalification affect an applicant’s credit score?
How does the lender marketplace decide which offer wins?
How does payment processing work?
How fast do merchants get funded?
Is the platform secure and compliant?
How do we get started?
Put every brand on one rail.
Prequalification, agents, a lender marketplace and payment processing, one platform, one contract, behind every brand. Book a walkthrough and watch a live lead flow through it.