Online credit applications for building-supply dealers.
Lunica turns a credit application into a verified packet your credit manager can approve in minutes.
CreditUpdated Oct 202620 ERPs
See it work.
Click through the steps. Fictional data; the real thing runs on your ERP.
An application under your name: company, EIN, owner, bank, three trade references, requested terms, signature.
Tools in this workflow.
Pieces your customers and your team use directly, on their own or inside this workflow.
The problem.
Most dealers still open accounts from a PDF. The contractor fills it in by hand, somebody scans it to the credit desk, and a week disappears into reference calls and a bank letter before anyone opens a customer file in your ERP. Meanwhile the yard has already sold to them C.O.D.
The decision itself, the limit, the terms, whether it’s a house account, lives in one person’s head and gets keyed into the customer file from a note. Six months later the account is on credit hold and nobody can find the application.
How it works.
- 1
The customer applies online
An application under your name, on any phone: company, EIN, owner, bank, three trade references, requested terms, signature. Cash and C.O.D. customers apply for terms from the same portal they pay in.
- 2
Lunica verifies the business
EIN and address match, liens and judgments, bank account verified, trade references requested and chased until they answer. Consumer credit only with the applicant’s signed consent.
- 3
Your credit manager decides
The desk opens on applications waiting for a decision, oldest first, each with a finished packet and a recommendation under your credit policy. Approve, set the limit and the terms code, Net 30 EOM or Net 60 EOM, or decline. Every decision is recorded.
- 4
The account is ready for your ERP
Name, terms code and limit go back to your ERP as an import file where your ERP takes one, or keyed by your team from what Lunica prepared. The signed application stays on file as a PDF for a lien claim or counsel.
How it connects to your ERP.
Lunica reads the customer file and your ERP’s open items through its database or data warehouse, under an account that can only read, so an application from a customer you already sell to C.O.D. shows up with their history beside it: what they bought, how they paid, whether a Net 30 EOM account was ever opened and closed. The application itself is hosted under your name; the connection to your ERP runs on one server inside your network, beside your ERP.
Nothing is written to your ERP by Lunica, and nothing goes to the customer on its own: a note to the applicant is a draft until a person sends it, and reference requests go only to the suppliers the applicant named and signed for. Approving an application produces the account record, name, terms code, limit and contacts, and it goes back as an import file where your ERP takes one, or keyed by your team from what Lunica prepared. The signed application, the references and the decision stay together as one record.
What a week looks like.
- Applications arrive finished: signed, verified, references in.
- The desk opens on the work: oldest application first, with the your ERP history beside it.
- Every decision leaves a record: who approved, what terms, the signed PDF.
- Existing cash customers move to terms without a new form.
Questions
Does Lunica write to your ERP?
Not on its own. Approving an application produces the account record. It goes back as an import file where your ERP takes one, or keyed by your team from what Lunica prepared. Nothing changes in your ERP without a person.
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.
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.
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.
What if they already have an account?
They apply for terms from the portal they already pay in, and the application shows up with their your ERP history beside it.
How long to set up?
The application is available under your name in days. The connection to your ERP and your credit policy, limits by tier and who signs off, follow in the first weeks.
Available for.
Each version is written in that system’s own terms: its screens, its files, its codes.
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