Product
Connect once. Integrate with many.
One boundary between your lending applications and the lenders and services behind them, with a normalised request, response and status model.
status updates return through the same mapping
Problem
Every new lender becomes another integration project.
Lender APIs differ in fields, status vocabulary and error behaviour. Handling that inside the borrower journey means the front end changes each time the lender panel does.
Lifecycle
Where the gateway sits in the lending lifecycle.
Acquire, verify, assess, decide, disburse, service and collect run against one application record. The highlighted stages are the ones this product operates in.
- 01
Acquire
Capture enquiry
- 02
Verify
—
- 03
Assess
Statement parsing
- 04
Decide
Eligibility rules
- 05
Disburse
Document completion
- 06
Service
—
- 07
Collect
—
Capabilities
What the gateway handles.
Normalised requests
Send one application structure regardless of the destination lender.
Data mapping
Translate fields into each lender's expected format.
Status mapping
Bring lender-specific statuses into one consistent progression.
Routing rules
Select destinations based on configured criteria and priorities.
Response model
Return outcomes to the journey in a single, predictable shape.
Service connectivity
Reach verification, bureau, mandate and payment services through the same boundary.
Workflow
How an application reaches a lender.
- Step 01
Application
The journey submits a completed case to the gateway.
- Step 02
Routing
Configured criteria select the matching lender workflow.
- Step 03
Mapping
Fields are translated into the lender's expected structure.
- Step 04
Submission
The case is sent to the lender's interface.
- Step 05
Status
Lender responses are normalised into a shared progression.
- Step 06
Visibility
Teams and borrowers see one consistent application status.
Ecosystem
One connection point for the services lending depends on.
Xcelet maps external services into a consistent request and response model, so lending workflows do not carry provider-specific logic.
Identity
KYC, KYB and verification services.
Bureau
Credit bureau data and risk signals.
Account Aggregator
Consent-based financial data connectivity.
Mandates
Repayment mandate setup and status flows.
Payments
Disbursement and repayment payment rails.
Banking
Bank account and transaction infrastructure.
Communication
Customer messaging and notification services.
Lenders
Lender application and status connectivity.
Categories shown. Specific provider availability depends on the agreed implementation scope.
Next step
Add lenders without rebuilding the front end.
Tell us which lenders and services you connect to today and we will map them behind one interface.
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