The lending platform that works for everyone

Your money should be
doing something.

Get funded based on what your bank account actually shows. Or put your idle savings to work and earn what the bank has been keeping from you.

$2,500
Up to this much — set by your bank data, never a credit score
New borrower listing · $400 · ★★★★☆ · Oct 17
New borrower listing · $300 · ★★★★☆ · Oct 17
FastTrack Courier requested $9,000 · Oct 17
Repayment received · $778 · on-time · Oct 17
Repayment received · $778 · on-time · Oct 17
Repayment received · $778 · on-time · Oct 17
Business funded · $12,500 · Oct 17
Sunrise Bistro requested $12,500 · Oct 17
Borrower funded · $500 · Oct 17
New borrower listing · $500 · ★★★★★ · Oct 17
New borrower listing · $400 · ★★★★☆ · Oct 17
New borrower listing · $300 · ★★★★☆ · Oct 17
FastTrack Courier requested $9,000 · Oct 17
Repayment received · $778 · on-time · Oct 17
Repayment received · $778 · on-time · Oct 17
Repayment received · $778 · on-time · Oct 17
Business funded · $12,500 · Oct 17
Sunrise Bistro requested $12,500 · Oct 17
Borrower funded · $500 · Oct 17
New borrower listing · $500 · ★★★★★ · Oct 17
What your bank offers
Traditional savings account
Annual return on $50,000$190 / yr
APY0.38%
Loan approvalCredit score required
Time to fundingDays to weeks
Business capital2 years tax returns
Your cut of lending profits$0
vs.
What Pivotal Processing Solutions offers
Pivotal Processing Solutions
Annual return on $50,000$2,500–$5,000 / yr
APY5–10%
Loan approvalBank data only · No credit pull
Time to fundingSame day
Business capital6 months revenue · 48 hours
Your cut of lending profits5–10% annually
Platform overview

Simple by design

🔗
Link your bank account
Connect via Plaid — read-only access. We read your deposit history, balance patterns, and recurring bills. No credit check. No hard inquiry. Takes 30 seconds.
1
⚡
Get your real limit
Our algorithm reads your verified income — how consistent, how much, how long. Your limit is calculated live from your actual bank data. Up to $2,500 based on deposits.
2
✅
Repayment is automatic
Choose 1, 2, 3, or 4 payments. Each payment pulls automatically on your verified pay date — when your account is fullest. Build your star rating with every repayment.
3
💰
Deposit your capital
Start with as little as $1,000. Funds go into a segregated custodial account — never mixed with platform operating capital. Withdraw available cash any time.
1
⚙️
Set your rules once
Choose your minimum borrower score, star rating, repayment streak, and max plan length. Auto-Invest deploys your capital every 5 minutes to qualifying borrowers. Set it and forget it.
2
📈
Earn 5–10% annually
Every repayment comes back to your available cash and redeploys automatically. No lockup. No illiquidity. Your full capital returns within 7 days of pausing Auto-Invest.
3
🏦
Link your business account
Connect your business checking account. We read 6 months of revenue — deposits, patterns, trends. No personal credit check. No 2-year tax return requirement.
1
🚀
Post to the marketplace
Describe what you need the capital for. Investors review your verified revenue profile and fund your listing. Average time from post to fully funded: 18 hours.
2
📊
Repay as revenue comes in
10% of your weekly deposits auto-repays the loan. Strong week? Pay more, finish faster. Slow week? Pay less — no penalty. Revenue-based repayment that moves with your business.
3
For individuals

Cash when you need it.
No credit score required.

74 million Americans live paycheck to paycheck. When something unexpected hits, your options are payday loans at 400% APR, overdraft fees, or asking family. Pivotal Processing Solutions gives you a fourth option — fair, fast, and based on what you actually earn.

🏦
Bank data, not credit scores
We read your deposit history, balance patterns, and bill schedule. Your FICO score is never touched. A hard inquiry never fires.
⭐
Build your Pivotal rating
Every on-time repayment moves you up. 1-star to 5-star. Higher star = higher limit. Up to $2,500 for 5-star members.
📅
Repayment on your pay date
We schedule the repayment pull for the morning your check clears — not an arbitrary date. When your account is at its highest.
Borrower Dashboard — Jordan M.
Available limit
$1,300
Pivotal rating
★★★★
Streak
8 ✓
Active loan$1,200 · 3-payment
Next payment$424 · Jul 18 (pay day)
Health score82 / 100 · Strong
After 5-star: limit grows to $2,500
For investors

Your savings account
is lying to you.

The bank pays you 0.38% while lending your money at 20%+ interest. Pivotal Processing Solutions gives you the lender seat. Start with $1,000. Set your rules once. Earn 5–10% annually — automatically.

⚙️
Auto-Invest rules engine
Set minimum borrower score, star rating, streak, and plan length. Capital deploys automatically every 5 minutes to qualifying borrowers. No manual work.
🛡️
$1,000 / 10% hard cap per borrower
Enforced by code — not policy. Your $50,000 spreads across 50+ borrowers. A single default costs you at most $1,000 — 2% of your portfolio.
💸
Withdraw any time
Available cash withdraws immediately. Deployed capital returns within 7 days as loans repay. No lockup. No exit penalty.
Investor Dashboard — Marcus T.
Portfolio
$52,400
Earned (6mo)
$2,400
Return rate
5.2%
Deployed$44,280 across 44 borrowers
Available cash$8,120 · deploying now
Active loans8 consumer + 2 business
Default losses$0
vs bank savings ($190/yr) · +$2,210 more this year
For businesses

Capital in 48 hours.
Based on your revenue.

The SBA takes 6 months. Your bank wants 2 years of tax returns. Pivotal Processing Solutions reads your actual business revenue — 6 months of verified deposits — and funds you in under 48 hours. No personal credit check.

📊
Revenue-based underwriting
We read your business bank account — monthly revenue, growth trend, DSCR. Your limit is calculated from what your business actually earns. Up to $25,000.
📈
Revenue-based repayment
10% of your weekly deposits auto-repays the loan. Strong week pays more. Slow week pays less. No fixed payment. No penalties. Repayment that moves with your business.
🏪
Investor marketplace
Your listing goes live to thousands of investors who review your verified revenue profile and commit capital. Average full funding time: 18 hours.
Business Dashboard — Sunrise Bistro LLC
Available limit
$25,000
Monthly rev
$38.4K
Biz score
78
Active loan$25,000 · Equipment
Revenue trend↑ 12% this quarter
DSCR2.4x · Strong
Next auto-repayment$3,840 · Fri Jul 18
Funded by 12 investors · 100% funded
$0
Default losses absorbed
by investors to date
—
Average time from application
to funds in account
25.0%
Average net return rate
for investors · 30 days
$214
Platform loss reserve
protecting investor capital

Your money should be
doing something.

Whether you need cash today, want your savings working harder, or need capital to grow your business — Pivotal Processing Solutions is built for you.

No credit check for personal borrowers · Start investing with $1,000 · Business funding from $5,000
FDIC-insured custodial accounts · Segregated investor funds · SOC 2 in progress
Simulation mode — bank links, transfers and disbursements are modeled inside this platform's own ledger. No real funds move.