Case Study: Consumer Lending Company achieves rapid loan growth and modernized credit decisioning with GDS Link

Modernized analytics hold key to pioneering consumer lending solutions

Consumer Lending Company, a Southeast-based specialty lender operating in 25 states with more than 1,000 branches, needed a decisioning and underwriting platform to expand beyond single-pay and title loans into unsecured and online products. They lacked an underwriting platform, evaluated providers (including GDS Link, Zoot and Provenir), and selected GDS Link for its cost-effectiveness, ease of use, dedicated underwriting workflows and broad data connectivity, implementing GDS Link’s Modellica Platform.

GDS Link implemented the Modellica Platform for data aggregation, credit decisioning, underwriting and workflow in about six months, enabling automated application processing and support for new in-store and online loan offerings. The solution improved underwriting, incorporated more data sources and materially increased originations—growing loans from roughly $10M in 2017 to $20M in 2018 and $50M in 2019—with the Consumer Lending Company continuing to scale growth using GDS Link.