Routing Infrastructure for Credit
Stripe routes payments. Plaid routes data. Cascade routes credit decisions. One application. Many lenders. One approval.
Request pilot accessThe Problem
Each lender requires a separate integration, contract, and operational workflow — creating brittle point-to-point connections that break under scale.
When a consumer is declined, there is no record of which lenders were queried, in what order, at what latency, or why routing stopped — making compliance and optimization impossible.
Without intelligent sequencing, merchants query lenders in the wrong order — burning applications against the wrong risk appetite and missing approvals that were available downstream.
Architecture
A single application enters the Cascade layer. The routing engine sequences lenders by priority, exits on the first approval, and produces a complete audit record — regardless of outcome.
Example — audit log for one application
Every routed application produces a deterministic log: priority sequence, lender response, latency, decision, disbursement path. Routing logic is reviewable.
Who It's For
Consumer-facing merchants with financing at the point of sale — where approval rates and time-to-decision directly affect close rates and revenue.
Cascade is in private pilot with a limited number of merchants per market. Verticals are considered on a case-by-case basis, based on regulatory and operational fit.
Pilot Access
A 20-minute call with our partnerships team. No deck, no commitment. We walk through the platform, the economics, and what a 60-day pilot would look like in your operation.
Private Pilot · Summer 2026 · Limited Merchant Slots Per Market