Complete financial intelligence
A score is a verdict.
Banrox is the evidence.
Scroll. The member lands on the platform, we read what they already hold, and one desk receives an application. Then the camera goes under the board to what decided it.
Scroll to follow the member
01 · THE LANDING
The member lands on Banrox first
Identity is verified at the bureau, not on our page. Three files are read on a direct contract, the accounts behind them are linked with consent, and obligations are read from the accounts themselves. By the time they look at a desk they already know their numbers.
02 · LENDERS
Personal, business, auto, student refinance, home equity
Published APR ranges, limits, terms, origination fees and funding speed, side by side. A member picks a type, an amount, a credit range and a state. Where your published criteria are not met, your listing is held back rather than shown.
03 · CARD ISSUERS
Filtered by credit range, network and issuer
Every listing carries the annual fee, the APR range, the recommended credit range and the network. Build credit is a real category with its own filter, which is where a thin file belongs. A member carrying utilization is not sent to a new card.
04 · BANKS
Checking on both sides, and a sponsor bank seat
Deposit accounts, business and personal. The charter, the deposits, the money movement and the BSA and AML program are yours. We bring the member relationship and a file that is already read, so onboarding starts from something rather than from a blank form.
05 · CARRIERS
Quotes on the same rails, under the same disclosure
Carriers and agencies list the way lenders list. A member answers a short set of questions and compares what comes back. Credit depth is not what a carrier rates on, and in several states it is not a rating factor at all, so a file the lenders held back still reaches you.
06 · UNDER THE BOARD
Everything above is the surface
What decided which desk lit is underneath: the read, the rules, the matrix, the route and the receipt. Keep scrolling and the camera goes through the platform into it.
Scroll to descend
01 · THE READ
Six signals, read from the file, never guessed
The engine reads what is actually there: balances against limits, the age of the oldest line, marks and their dates, the shape of income. It does not ask the member to describe themselves and it does not score them.
02 · THE RULES
Rules decide. The model only writes the plan.
Versioned deterministic rules make every call that matters, and the same inputs replay to the same answer months later. A language model writes the plan in the member's own words and ranks what to do first. It never makes the credit call.
03 · THE MATRIX
Twenty four pairs. Eleven hold an offer back.
Six signals against four products. Where a member does not meet the published criteria, the product is held back rather than listed, because a decline dressed up as an offer costs you an underwriting pass and costs the member a hard pull.
04 · THE ROUTE
One rail lights. The others stay dark.
The file goes to the one desk whose published criteria it meets. It is not sold to an exchange, it is not sent to three lenders at once, and it is not auctioned. The member chose the sort and the filters, and what we are paid does not change either.
05 · THE RECEIPT
Every referral keeps its receipt
Consent, the read, the rule version, the route and the disclosure all travel with a hash. That is what makes a marketplace referral defensible rather than merely legal, and it is what a diligence team actually asks for. Terms are papered directly, one agreement, no exchange in the middle.
06 · THREE SEATS OPEN
A bank, an issuer, a carrier
Beyond the marketplaces there are three relationships we are actively looking to paper: a sponsor bank for checking on both sides, a card issuing partner, and carriers for the quotes marketplace. The form under this flight reaches a person, not a queue.
For lenders, banks, card issuers and carriers
Banrox is the origination and risk layer for consumer and small‑business money. We bring the customer, the permissioned data and the decision. You bring the balance sheet.
The origination layer for consumer and small-business money.
People come to Banrox every day in the middle of a financial decision. We hold their credit, cash flow, debt and business data with their permission, we decision it, and we hand you a customer who is ready to fund.
You bring the balance sheet. We bring everything in front of it.
We are looking for an issuing bank for the Squad Card.
Squad is a shared credit line for trusted groups: family, partners, a small team. One line, multiple cardholders, per-member controls, one underwriting decision. It is the product our members ask for most, and there is no clean bank-issued version of it in the US market.
Why it is a good book for you. A shared line means multiple people attached to one account. Attrition on a group product is structurally lower than on a single-holder card, because leaving costs the member their group, not just their card. Interchange accrues across every member. Utilisation on a shared line runs higher than on an individual line at the same limit.
What we bring. Underwriting inputs on every applicant before they apply: three-bureau file, cash flow, existing debt load, and behaviour we have already observed inside the product. You set the credit box. We only send you applicants who clear it.
What we need. BIN sponsorship, the credit line, and a credit policy we can decision against. We run servicing, disputes intake, member support and the app.
Economics. Revenue share on interchange and interest. Structure proposed in the data room. We are open to holding first-loss on a defined pilot tranche.
We are looking for a sponsor bank for Banrox business checking, business credit, and personal checking.
Our members arrive already sorted. They come to Banrox to fix credit, manage debt, or run a business's financial health, so the account is opened for a reason, not for a bonus. That reason is the retention curve.
Why it is a good book for you. Deposits from operating accounts, not rate-chasers. Direct-deposit attach at account opening rather than three months later. Small-business balances that sit. And a cost per funded account below what you pay your own channels, with the credit picture attached on day one.
What we bring. Origination, KYC and KYB collection, ongoing monitoring signal, the app, and the member relationship.
What we need. The charter, the deposit account, FDIC pass-through, and your BSA program on top of ours.
Economics. Deposit-based revenue share, plus interchange share on the debit card. We will price against your current cost of funds, not against an affiliate rate card.
We are looking for lenders to fund Banrox members.
You are not buying applications. You are buying pre-scored, deduped, intent-verified borrowers with cash-flow data attached, inside a product they already use to manage their debt.
Why our book is different. Most marketplaces sell you whoever clicked. We see the member's full debt structure before we route, so we know when a consolidation loan actually improves their position. Borrowers who should not borrow do not reach you. That shows up in your loss curve, not in a pitch deck.
What we need. A published credit box, a real-time decision endpoint, and funding capacity. Personal credit, business credit, or both.
Economics. Paid on funded, never on click. We will trade a lower price per funded loan for first-look position and a data feedback loop on outcomes.
We are looking for card issuers, lenders and carriers to place offers in front of in-market members every day.
Placement is earned by fit, not by bid. We rank on approval odds and member outcome, because a distribution layer that shows people offers they get declined for is not one worth sitting in.
What we need. Pre-qualification API, your credit box, and pay-on-funded terms.
Economics. Cost per funded card or bound policy. We do not sell clicks and we do not sell lists.
Tell us what you publish.
Numbers on the board and the plates above are from a test file, shown so a partner can see the mechanism. No member is depicted.
Banrox Inc. is a technology company. Banrox is not a bank, does not lend money and is not a credit repair organization. Every rate, term and decision belongs to the lender, issuer or carrier.
Banrox does not approve, deny, price or fund any loan or card. Approval, rates and terms are decided by the bank, lender or issuer under its own criteria.
What we do with your contact details
We use the email address and phone number you enter here to answer this specific request, and to keep a record of it so a dispute can be resolved later. Privacy Policy.
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Banrox does not record a call unless you are told at the start of that call. Where a call is recorded it is for quality, training and dispute resolution, and you can ask for the recording to stop and lose nothing by asking.
Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.
