What We Do... Provide Access To Quality Loans
 
The “CU” stands for our Credit Union marketplace focus. And “Lending Edge” describes the actual Lending Edge garnered by our Lenders and Dealers that utilize the system. For Credit Union Lenders the most important aspect of the system, Automated MemberMatch, automatically matches acutual Credit Union members with the loan applications coming into the system from dealers, and sends the loan to the right Credit Union(s) for decisioning, assuring that every participating CU on the program gets a fair and equal shot at approving their existing members! For Dealers, this means a higher approval and funding ratio on both Direct and Indirect loans! Indirect loans can also be acquired for CU Lenders as non members are also matched to the appropriate CU and routed for decisioning based solely on each individual lenders custom criteria. The system assures that each lender only gets the loans they want! By aggregating the power of hundreds and potentially thousands of lenders matched to the loan potential from thousands of Dealers, our process links the right deals to the right lenders assuring all players in the lending process, including the consumer gets a win! The primary purpose of the business is aggregating, sorting and approving loans submitted by dealers, ultimately to get funded. We’ve designed a fair and balanced system that serves all parties in each transaction equally well. Every time!

A few of our advantages: 

• Serves CU's of any size and any Field of Membership configuration, in any market
• RouteOne® and DealerTrack Interface provides access to over 20,000 Franchise Dealers nationwide
• True State of the Art technology with advanced decisioning abilities MemberMatch was designed specifically for our Credit Union Partners to assure capture of existing member loans as well as potential members at point of sale
• Next-in-Line assures every Credit Union in the system has the opportunity at decisioning a proportionate share of loan business
• Automated, Customizable and truly advanced automated loan decisioning based on each individual lender requirements & yields (you only get the type of loans you want...no "junk" apps)
• 24/7/365 Loan decisioning at an Iterative level never seen  before
• Matching multiple Dealers to a variety of Lenders in each market - Dealers get more approvals, efficiencies and funding, which in turn again brings more loans to our CU lenders safely
• National scope and market coverage to provide efficiencies

Coupling contrarian concepts with conventional wisdom and experience make for the most unique and balanced lending program for Credit Unions in todays marketplace.

While the name CU Lending Edge is new in the Indirect game, we actually have three years of software development, operations and pilot program testing with multiple lenders and over 100 auto dealers in the marketplace. Utilizing and testing three other national lending software programs during the pilot phase convinced us the only way to serve the Credit Union marketplace was to create and build a completely advanced, robust and innovative decisioning program/system that provide our lenders with the ultimate confidence in their credit decisioning. As a lender and dealer on this program, you'll save enormous resource time and expenses and only receive the type of deals that you want with confidence. 


If you are a Credit Union or Non-CU lender, Franchise or Independent Dealer, a CUSO Lending aggregator or any entity interested in developing an Indirect Lending program and working with Credit Unions, find out more about CULE and how we can absolutely meet your Direct and or Indirect Lending related goals. We understand the value of aggregation and collaboration to create strategic and tactical win-win situations for our partners.  

If you would like to be contacted by our Managing Partner, Walt Agius, please click the following email link Wagius@CULendingEdge.com.