Submission Guide

The universal flow

Every application follows the same shape, whatever the rail. Learn this once and the rails are just variations on it. This is also what we tell the client to expect, so keep it consistent.

1. Receive and reviewAs soon as it landsThe application comes into our system from the client's finance link. Review it straight away for completeness and the client's profile.
2. Match to the networkThe right rail and lendersStart connecting with the lender network on the client's behalf, matching their profile to the rails and lenders most likely to serve them.
3. Discuss the best optionsBack to the clientCome back to the client with the best viable options for their situation, so they choose from real choices, not a single take-it-or-leave-it.
4. Final submissionOnly with their yesOnce they are happy, do the final submission to the chosen lender or rail and keep them updated on the outcome.
5. Funds and finalise24 to 48 hours of settlingOn approval, the client receives funds within 24 to 48 hours of the loan settling. Hand back to their point of contact to finalise payment and start onboarding.

Eaze, the US application

The primary consumer rail and the merchant's day-one funding. One application link opens a panel of prime and near-prime consumer lenders.

• The link. Submissions run through the Eaze US application link: loans.eazeconsulting.com, the link the whole team uses. [Confirm the login.]
• The panel. One application is worked across the 20+ prime and near-prime consumer lenders.
• The profile. Income ideally $40,000+ a year, credit 650+, low debt-to-income. Guidance, not a hard cut-off, the lender decides.
• Submit and confirm. Submit through the platform, then confirm it registered (section 06). [Confirm the exact submit and status steps in the Eaze Platform.]

Queen Street

The widest coverage. Through Queen Street the team can place a client across 800 or more credit cards and 20 or more lenders, covering the full credit spectrum.

• Submitted via our application. The specialist submits through our Queen Street application. [Confirm the submission screen, login and any API steps.]
• Full spectrum. Super-prime, prime, near-prime, subprime, deep-prime, so even tough files have options.
• Cards and lenders. Both business and consumer card products plus lenders, another route to getting a client funded.
• Confirm it landed. Queen Street is the rail most prone to a silent failure, so confirming receipt (section 06) is non-negotiable here.

Grow Funders

The business-loan rail. When a client needs capital for the business itself rather than consumer financing for their customers, this is the route.

• Business loans. Working capital for the business, not point-of-sale consumer financing.
• When to use it. The client wants funds for their own operations, inventory, hiring, or to finance their AIFS purchase as a business loan.
• The portal. Submit through the Grow Funders portal: growfunders.com/Eazecap. [Confirm the login, exact submission steps and document requirements.]
• Confirm it landed. As with every rail, confirm receipt before moving on.

MagWitch

Instant-decision financing the merchant uses day to day. Submission is simple once the merchant is onboarded; the onboarding itself is the heavier part and has its own guide.

• Instant decision. Once the merchant is onboarded, decisions come back at the point of sale.
• Onboarding first. The merchant must be onboarded (documents submitted, dashboard provisioned) before they can submit. That process is in the MagWitch Onboarding guide.
• Submission. The merchant submits through their MagWitch dashboard. [Confirm the portal submission steps with David.]
• If it stalls or declines, move to the Lumino contingency (section 07).

Confirming it landed

The most important habit in this guide. An application that looks sent but never registered is the worst kind of failure, because nobody knows until the client asks why nothing happened. Never assume, always confirm.

1. Check the status after every submissionEvery rail, every timeAfter submitting, confirm the application shows as received in that rail's system before you consider it done.
2. Log itIn our trackerRecord the submission, the rail, and the timestamp, so the application is visible to the team and not living only in one person's head.
3. Set a follow-upNo application goes quietIf you do not have an outcome within the expected window, chase it. A submission with no status update is a submission to chase, not to wait on.

Declines & the swap

A decline from one lender is never a dead end, that is the whole point of working a network. Here is how to handle it, and when to move to a contingency.

• One lender, not the market. A decline is one credit box. Work the rest of the network for the client's profile before telling them anything.
• Try the spectrum. If prime declines, near-prime and the wider Queen Street panel may serve. Use the full spectrum.
• The contingency. If MagWitch cannot serve, move to Lumino, the client is live on Affirm inside 24 hours, framed as an upgrade. See the contingency plan.
• Eaze covers the gap. Throughout any swap, Eaze keeps the client funded so there is never a moment with no way to fund a deal.

Scenarios

What comes up in submission, and what to do.

Definition of done & SLA

A submission is done when all of this is true.

• Reviewed for completeness and profile on receipt.
• Matched and submitted to the right rail with the client's agreement.
• Confirmed landed in the rail's system and logged in the tracker.
• Outcome tracked to approval or a clear next step, never left silent.
• Funds confirmed within 24 to 48 hours of settling, and handed back to the point of contact.

Who to contact

The funding team.