Case Study: U.S. Black Chambers achieves affordable, fully digital SME and consumer lending with TurnKey Lender

Affordable SME and Consumer Credit Products Offered Fully Digitally by a Community-Focused Lender

The U.S. Black Chambers, a non-profit focused on economic empowerment for Black businesses, needed a flexible, low‑overhead digital lending platform to deliver affordable SME and consumer credit across jurisdictions. After reviewing multiple providers, they selected TurnKey Lender and its TurnKey Lender Standard product to provide an end‑to‑end, white‑labeled solution that supports application processing, credit decisioning, servicing, compliance, and reporting.

TurnKey Lender automated USBC’s entire lending lifecycle—origination to discharge—using proprietary machine learning/AI credit decisioning, seamless integrations (including Equifax and a REPAY partnership), automatic SaaS updates, and built‑in grant distribution. The implementation eliminated much of the paperwork, streamlined underwriting and collections, enabled the organization to run both non‑profit and commercial products with minimal customization, and delivered bank‑grade reporting to track ROI and loan performance—demonstrating tangible operational efficiency gains from TurnKey Lender.

U.S. Black Chambers

Alisa Joseph

Director of Programs