Closed deals,
not ad spend.
Sylvent and effect.com run the marketing, qualify and enrich the applications, and route the right borrowers straight into your lending system — and you pay only when a deal closes.
Acquisition is the most expensive part of lending.
You burn budget on brand, PR and ads long before a single loan closes — and most of the leads don’t even fit your box.
Budget burned upfront
Marketing, brand and PR are paid in big chunks — spent whether or not a deal ever closes.
Thin, unqualified leads
You chase applicants who fall outside your criteria, then pay to filter them yourself.
A whole machine to run
Campaigns, funnels, document collection and ops — a full team just to keep volume coming.
A credit marketplace, powered by effect.com.
effect.com is our partner aggregator — the single place where borrowers and lenders meet. Together we run a market-making layer: you onboard, set your exact box, and matched, qualified, enriched applications arrive over one API.
Borrowers
Businesses across the market seeking funding.
effect.com
The aggregator where borrowers and lenders meet.
Sylvent
Matched to your box, qualified and enriched.
Your API
Deals arrive ready to decide and fund.
Onboard once.
Receive deals online.
Tell us who you lend to — products, ticket size, geography, sector, turnover. Your exact box, in minutes.
Sylvent and effect.com run the ads and channels and bring the right businesses — no budget on your side.
We collect documents, verify the applicant and enrich each file with alternative data.
Qualified, enriched applications hit your API in real time — you decide and fund online.
You set the box.
We bring the fit.
Define exactly who you want to lend to. We only deliver applications
that match — no manual filtering on your side.
An API instead of a marketing machine.
No upfront budget. You’re charged only when the loan is signed and the money
is disbursed.
Enriched applications
Every lead comes filled with alternative data, so files are stronger and easier
to decide.
One API, no machine
Drop the spend on branding, PR and funnels — connect once and forget the acquisition stack.
1,000+ borrowers
Access a live pool of businesses — show your product, score them and convert in real time.
Fully online
From onboarding to a funded loan — every step happens online, end to end.
Performance, not budgets.
- · big upfront ad & brand budgets
- · pay per click / per lead
- · filter and chase yourself
- · spend with no guaranteed deal
upfront — no budget at risk.
charged only on a signed, funded loan.
every lead matches your exact criteria.
filled with alternative data, ready to score.
Get qualified borrowers, pay on close.
Tell us who you lend to and we’ll set up a demo — your criteria, our marketing and data, deals delivered to your API.
- ✓Pay only on signed, funded deals
- ✓Qualified, enriched applications
- ✓One API — no marketing machine