Skip to content
/
Platform Overview
Last updated

Platform Overview

Peach provides a modern, API-first lending platform that enables lenders to launch, scale, and adapt their lending programs. Through our unified platform, you can manage the complete lending lifecycle - from loan origination through servicing and collections.

Core Components

Loan Management Engine

At the foundation of our platform is our flexible loan management engine built to support any lending product:

Loan Management

  • 200+ configuration parameters for loan product behavior
  • Support for installment loans and lines of credit
  • Flexible interest calculations and fee structures
  • Payment waterfall rules and processing
  • Real-time API access and webhooks
  • Loan Replay™ technology for retroactive changes

Borrower Management

  • White-label borrower portal for self-service
  • Payment method management and processing
  • Document upload and storage
  • Communication preference controls
  • Profile and contact information management

Collections & Servicing

Our integrated servicing solution combines tools for managing borrower relationships:

Customer Relationship Management

  • Customizable case management workflows
  • Task routing and queue management
  • Multi-channel communication tracking
  • Compliance monitoring and controls
  • Document verification processes
  • SLA tracking and reporting

Agent Tools

  • Mirror of borrower portal interface
  • Enhanced servicing capabilities
  • Payment and refund processing
  • Loan modification tools
  • Account management features
  • Custom dashboard integration

Native Collections

  • First-party collections management
  • Payment plan creation tools
  • Hardship program workflows
  • Communication campaign tools
  • Collection strategy automation
  • Performance analytics

Key Features

Loan Replay™

Enables retroactive changes while maintaining accurate accounting:

  • Payment failure handling
  • Interest rate adjustments
  • Fee modifications
  • Payment reallocation
  • Special program enrollment

Compliance Monitoring

Built-in compliance monitoring system:

  • Regulatory requirement tracking
  • Communication restriction management
  • Outbound message review
  • Status change monitoring
  • Rule engine enforcement

Technical Architecture

API-First Design

All platform functionality is accessible via REST APIs:

  • Comprehensive endpoint coverage
  • Consistent request/response patterns
  • Detailed error handling
  • Webhook notifications
  • Real-time event streaming

Data Access

Multiple options for accessing your data:

  • Real-time API queries
  • Data file delivery (Parquet)
  • Standard loan tapes
  • Custom reporting
  • Event subscriptions

Security & Compliance

Enterprise-grade security features:

  • SOC 1 Type 1 & 2 compliance
  • SOC 2 Type 2 compliance
  • PCI DSS Level 1 certification
  • HIPAA compliance
  • Role-based access control
  • Data encryption

Getting Started

Before diving into implementation, you'll need:

  1. API Credentials: Obtain your API key for sandbox access
  2. Testing Environment: Set up your sandbox environment
  3. Configuration Details: Get your loan type ID and other required parameters
  4. API Testing Tool: We recommend using Postman for testing API calls

First Steps

  1. Start with our Quickstart Guide to make your first API calls:

    • Create a borrower record
    • Add contact information

  2. Explore core documentation:

  3. Plan your implementation:

    • Review integration requirements
    • Test thoroughly in sandbox
    • Prepare for production deployment

Support & Resources

 
Next page