Make the Smart Move

Creating a mobile phone, accessory, and insurance lending marketplace to empower the credit challenged consumer.

Street Cred Capital offers the most innovative device lending program in the mobile industry.  The concept was born from our team of former mobile carrier guys that had to engage difficult and predatory 3rd party lenders.  Street Cred Capital alleviates industry pain points including poor customer qualification experience, low approval rates and high interest rates.  We took the leverage away from the lender by aggregating many and making them compete to provide the best possible customer offer. Street Cred Capital integrates within the existing retail POS and/or online cart process to offer seamless pre-approval and checkout qualification options.

Street Cred Capital Features

The first-of-its-kind program tailored for the mobile industry…

Customer

  • Simple, speedy qualification
  • Choose from top 3 offers
  • Highest approval rates
  • Lowest payment rates

Lending

  • 0%-29% interest financing
  • Lease-to-own offers
  • 4-24 month terms
  • Offer $49-$5,000

Qualification

  • eCommerce integrations
  • Pre-approval, payment type
  • Online, in-store
  • 3 minute application

Lenders

  • 10 accredited nationwide lenders
  • FICO range 0-850
  • Credit risk expertise
  • Deep capital resources

Products

  • Phones/Tablets/Laptops/Home Monitoring
  • Accessories/Bluetooth
  • Insurance/Voice-Data Plan
  • Trade-in Program

Payment Methods

  • Credit Card
  • Debit Card
  • Check
  • ACH

Carrier/MVNO

  • 48-hour product reimbursement
  • No recourse or refund
  • 3-10% discount rate
  • No set-up or management costs

Documentation

  • API integration
  • Training videos
  • Online reporting dashboard
  • Digital customer agreements

Street Cred Capital Process

A comprehensive, turn-key lending program…

  • Placement-Online and in-store; integrated pre-approval and check-out cart.
  • Qualification-Customer applies in 3 minutes; instant decision from multiple lenders.
  • Engagement-Post-transaction, lender reimburses carrier; begins direct customer engagement.
  • Management-Track and manage customer activities including payment, service and trade-in.
  • Market-Direct good credit customers to additional lending offers at improved rates; REDUCE churn and EXTEND customer lifetime value!

Merchant Presentation

Review our comprehensive program overview for launching your targeted lending campaign.

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