Approve customers faster, with less risk.
A credit application under your name that customers finish on a phone, verified before your credit desk opens it. Simpler than the PDF, and it arrives finished.
Harbor Point Builders LLC
Commercial credit application
- Business info
- Bank verification
- Trade references
- Review
Business
VerifiedBank verification
Operating account connected
Ownership and balance verified in the application
Replace the PDF and the email chain.
Your customers shouldn’t download a form, fill it in by hand and email it back. They get a clean application with your branding that they finish in minutes, on any phone.
- Branded and mobile-friendly, with fields by customer type
- Reference requests sent to the suppliers they name, and chased
- Bank account verification inside the application
From application to decision in minutes, not days.
The right information is collected up front and verified as it comes in, so your credit desk spends its time deciding instead of chasing documents.
- A recommendation under your credit policy
- Routed to the right reviewer by amount or customer type
- Every application tracked from submission to decision
Risk, assessed before every decision.
Your own history with the customer, third-party checks and your rules come together in one review, so your team approves with confidence and flags concerns early.
- Lien and litigation search, EIN match, address verification
- Bank signals, trade references and, with consent, the owner’s credit band
- Thresholds and exceptions set by your credit policy
One way your team approves.
No more approvals over email. Every decision follows the same path, with approval limits by role and a record that outlives the sticky note.
- Approval limits by role and amount
- Instant approval when an application fits your policy
- Who approved, which terms, and the signed PDF, kept together
How it works.
- 1
Set up your application
Your branding, the fields you need by customer type, the documents you require, and how references and bank verification work.
- 2
Apply your credit policy
Limits by tier, who signs off, when an application qualifies for instant approval, and what counts as a red flag.
- 3
Review a finished packet
Verification, references and checks arrive packaged with a recommendation, so your team decides quickly and keeps control.
Used in these workflows.
The credit application works on its own, and these workflows put it to work.
Questions
Where does the application live?
On a page under your name and domain, hosted by Lunica. The signed application, the references and the decision stay together as one record.
What does the applicant need?
A phone. The application takes about ten minutes, saves as they go, and asks for the bank and references in the same sitting.
Do you pull the owner’s personal credit?
Only with the applicant’s signed consent on the application. Your team sees a score band, not the report.
Can we use it on its own?
Yes. The application works on its own, and inside the credit-application and job-account workflows it hands the finished packet to your credit desk.
How long does it take to set up?
The application is available under your name in days. Your credit policy, limits by tier and who signs off follow in the first weeks.
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